Credit union · NCUA insured
MAC Federal Credit Union
A $175.9M credit union headquartered in Fairbanks, AK, with 18,242 members and 4 branches in Alaska. Best rates: CDs 3.50% and savings 0.30% APY.
MAC Federal Credit Union Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#5 of 13 in Anchorage, AK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MAC Federal Credit Union
Chartered in September 1952 as Tanana Valley Federal Credit Union, the credit union was organized by federal employees for government workers in Fairbanks, Alaska.
It became Military and Civilian Federal Credit Union in 2002 and renamed to MAC Federal Credit Union in 2011, standing for Members and Community.
Operating as the only Community Development Financial Institution in Fairbanks, it became the first and only local financial institution in Alaska servicing the cannabis industry.
Serving the Fairbanks North Star Borough, the credit union expanded to the Mat-Su Valley with branches in Wasilla in 2021 and Palmer in 2022.
- Headquarters
- 1317 Wembley Ave, Fairbanks, AK 99701
- NCUA charter
- 8080
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to those who live, work, worship, or attend school in the Fairbanks-North Star Borough, including businesses and other legal entities.
Other ways
- Once a member of MAC FCU, always a member for life as long as the account stays open.
Branches
4 branches in Alaska
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Alaska
4 branches
Fairbanks area · 2
- 10th Avenue541 10th Ave, Fairbanks, AK 99701Directions
- Fort Wainwright3700 Santiago St, Fort Wainwright, AK 99703Directions
Anchorage area · 2
- Palmer1010 E Palmer Wasilla Hwy, Palmer, AK 99645Directions
- Wasilla2700 E Parks Hwy, Wasilla, AK 99654Directions
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 | 11.40% | 11.29% | 13.35% or more |
| Troubled loans60+ days late | 1.13% | 0.61% | 0.33% or less |
| ProfitabilityReturn on assets | 0.96% | 0.68% | 1.10% or more |
| LendingLoans per $100 deposited | $88 | $75 | — |
- CapitalNet worth ratio11.40%Peers’ middle 11.29% · Top 25% 13.35%+
- Troubled loans60+ days late1.13%Peers’ middle 0.61% · Top 25% ≤0.33%
- ProfitabilityReturn on assets0.96%Peers’ middle 0.68% · Top 25% 1.10%+
- LendingLoans per $100 deposited$88Peers’ middle $75
Compared with the 1,354 credit unions with $100 million to $1 billion 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 MAC 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.