Credit union · NCUA insured
LCO Federal Credit Union
A $2.9M credit union headquartered in Hayward, WI, with 1,307 members and 1 branch in Wisconsin. Best rates: CDs 0.40% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs600.40%for 16–30 monthsCD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About LCO Federal Credit Union
Founded in 2001, Lac Courte Oreilles Federal Credit Union (LCO Federal Credit Union) is headquartered in Hayward, Wisconsin.
- Headquarters
- 13829 W County Road B, Hayward, WI 54843
- NCUA charter
- 24648
Branches
1 branch in Wisconsin
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Wisconsin
1 branch
- Main OfficeMain office13829 W County Road B, Hayward, WI 54843Directions
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 | 13.70% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.32% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.02% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $40 | $59 | — |
- CapitalNet worth ratio13.70%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.32%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.02%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$40Peers’ 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 LCO Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.