Credit union · NCUA insured
Lake Chem Community Credit Union
A $98.4M credit union headquartered in Benton, KY, with 12,058 members and 2 branches in Kentucky. Best rates: CDs 3.90% and savings 0.25% APY.
Lake Chem Community Credit Union Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#85 of 93 in KentuckyHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lake Chem Community Credit Union
Lake Chem Federal Credit Union was founded and federally chartered in June 1971 to serve employees of the B. F. Goodrich Chemical plant in Calvert City, Kentucky.
Its charter was expanded in May 2025 to serve persons who live, work, worship, attend school, or conduct business with any legal entity across twelve Kentucky counties.
- Headquarters
- 35 US Highway 68 E, Benton, KY 42025
- NCUA charter
- 20641
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, attend school, or conduct business with any legal entity in Ballard, Caldwell, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall, McCracken, and Trigg Counties, Kentucky are eligible for membership.
Cost to join
- Joining may require the purchase and maintenance of minimum required share(s), paying a membership fee, or other requirement(s) as set forth in the Credit Union's bylaws.
Branches
2 branches in Kentucky
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Kentucky
2 branches
Benton area · 1
- Lake Chem Community FCUMain office35 US Highway 68 E, Benton, KY 42025Directions
Calvert City area · 1
- Lake Chem Community FCU4822 US Highway 62, Calvert City, KY 42029Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.07% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $85 | $59 | — |
- CapitalNet worth ratio10.07%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$85Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Lake Chem Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.