Credit union · NCUA insured
Mosaic FCU
A $9.1M credit union headquartered in Harrisonburg, VA, with 3,082 members and 1 branch in Virginia. Best rates: savings 0.05% APY.
Mosaic FCU Carrot Score
65
Carrot Score
Higher than 15% of U.S. banks and credit unions
#13 of 16 in Harrisonburg, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mosaic FCU
Mosaic Federal Credit Union was formed in 1986 through the merger of Wampler Longacre and Rockingham Poultry Credit Unions.
Headquartered in Harrisonburg, Virginia, the credit union received NCUA approval for a community charter in 2001.
- Headquarters
- 31 S Carlton St, Harrisonburg, VA 22801-4324
- NCUA charter
- 24281
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals or businesses that live, work, worship, or attend school in Harrisonburg.
Employers and groups
- Membership is open to employees of Andros USA, Pilgrim's Pride Corporation, Virginia Poultry Growers Coop, Bowman Apple Products, May Supply, or Valley Custom Homes.
Family and household
- Immediate family members of members may join the Credit Union.
Branches
1 branch in Virginia
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Virginia
1 branch
- Mosaic Federal Credit UnionMain office31 S Carlton St, Harrisonburg, VA 22801Directions
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 | 8.39% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.21% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.02% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $81 | $59 | — |
- CapitalNet worth ratio8.39%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.21%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.02%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$81Peers’ 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 Mosaic FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.