Credit union · NCUA insured
OC Federal Credit Union
A $310.8M credit union headquartered in Garfield Hts, OH, with 14,084 members and 5 branches in Ohio. Best rates: CDs 4.25% and savings 0.10% APY.
OC Federal Credit Union Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#29 of 60 in Cleveland, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About OC Federal Credit Union
Founded in 1954 by thirteen members of St. Monica Parish and Reverend Hugh Gallagher, OC Federal Credit Union serves members across Ohio.
Originally formed as St. Monica Garfield Heights Federal Credit Union and later known as Ohio Catholic Federal Credit Union, the credit union rebranded in 2024 and operates mortgage subsidiary Augustine Financial Services.
- Headquarters
- 13623 Rockside Rd, Garfield Hts, OH 44125-5173
- NCUA charter
- 9208
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Joining the Ohio Catholic Foundation makes you eligible for membership if your primary residence is in the state of Ohio.
Military, government and schools
- Any member, employee, and student of a Catholic Diocese in the state of Ohio (including its parishes, schools, services, ministries, organizations, or entities) whose primary residence is in Ohio is eligible.
Family and household
- Immediate family or household members of an eligible OC Federal member who have their primary residence in Ohio are eligible.
Cost to join
- Membership requires a $5 minimum opening deposit to a Share Savings account.
Branches
5 branches in Ohio
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Ohio
5 branches
Cleveland area · 2
- Garfield HtsMain office13623 Rockside Rd, Garfield Hts, OH 44125Directions
- Strongsville16488 Pearl Rd, Strongsville, OH 44136Directions
Akron area · 2
- Akron2720 S Arlington Rd, Coventry Township, OH 44312Directions
- Macedonia8600 Alexandria Dr, Macedonia, OH 44056Directions
Canton area · 1
- North Canton210 Applegrove St SW, North Canton, OH 44720Directions
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 | 13.50% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.00% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio13.50%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.00%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ 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 OC 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.