Credit union · NCUA insured
Mid-Island FCU
A $18.2M credit union headquartered in Christiansted, VI, with 2,392 members and 1 branch in U.S. Virgin Islands. Best rates: savings 0.10% APY.
Mid-Island FCU Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#2 of 7 in United States Virgin IslandsHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mid-Island FCU
Mid-Island Federal Credit Union was founded in 1981 on St. Croix in the U.S. Virgin Islands to help people improve the quality of their financial lives.
It is a member-owned cooperative financial institution serving neighborhoods and estates across the central district of St. Croix.
- Headquarters
- 4366 Peters Rest, Christiansted, VI 00820
- NCUA charter
- 23811
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, or worships in the Mid-Island area of St. Croix.
Family and household
- Family members related by blood, marriage, or adoption to a member are eligible to join.
Cost to join
- A minimum deposit of $25.00 is required upon opening and maintaining a share/savings account for membership.
- A $5.00 one-time membership fee is due at the time of opening a share/savings account.
Branches
1 branch in U.S. Virgin Islands
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U.S. Virgin Islands
1 branch
- Mid Island Federal Credit UnionMain office4366 Peters Rest, Christiansted, VI 00820Directions
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 | 10.05% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.41% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.08% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $32 | $59 | — |
- CapitalNet worth ratio10.05%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.41%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.08%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$32Peers’ 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 Mid-Island FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.