Credit union · NCUA insured
Midwest Community Federal Credit Union
Top CarrotA $258.7M credit union headquartered in Defiance, OH, with 14,327 members and 3 branches in Ohio. Best rates: CDs 4.00% and savings 0.85% APY.
Midwest Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#2 of 6 in Defiance, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Midwest Community Federal Credit Union
Midwest Community Federal Credit Union is a member-owned financial cooperative headquartered in Defiance, Ohio.
It serves members across Defiance, Henry, Fulton, Paulding, Williams, and the northern two-thirds of Putnam county in Northwest Ohio.
- Headquarters
- 8770 N State Route 66, Defiance, OH 43512-8254
- NCUA charter
- 9522
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligible to join if you live, work, worship, or go to school in Defiance, Henry, Fulton, Paulding, Williams, and the northern two-thirds of Putnam county in Ohio.
Family and household
- Eligible to join if a family member already has an account with Midwest Community Federal Credit Union.
Cost to join
- A minimum balance of $25 in a primary Share (Savings) Account is required for membership.
Branches
3 branches in Ohio
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Ohio
3 branches
Defiance area · 1
- Main OfficeMain office8770 N State Route 66, Defiance, OH 43512Directions
Bryan area · 1
- Bryan Office221 N Main St, Bryan, OH 43506Directions
Napoleon area · 1
- Napoleon Office1429 Scott St, Napoleon, OH 43545Directions
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 | 8.50% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.05% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.08% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio8.50%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.05%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.08%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 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 Midwest Community 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.