Credit union · NCUA insured
Okaloosa County Teachers FCU
A $133.6M credit union headquartered in Crestview, FL, with 9,553 members and 5 branches in Florida. Best rates: CDs 3.51% and savings 0.30% APY.
Okaloosa County Teachers FCU Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#8 of 15 in Crestview, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Okaloosa County Teachers FCU
Chartered in February 1960, the credit union was formed to serve the Okaloosa County School Board, Okaloosa Walton Junior College, and St. Mary's.
Headquartered in Crestview, Florida, Okaloosa County Teachers Federal Credit Union operates four locations serving all of Okaloosa County.
- Headquarters
- 1126 N Ferdon Blvd, Crestview, FL 32536-1710
- NCUA charter
- 13534
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in Okaloosa County, Florida, are eligible for membership.
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the prescribed underserved community bounded by Hollywood Blvd, Jonquil Ave, Sullivan St, and Wright Pkwy in Ft. Walton Beach, FL, are eligible for membership.
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the prescribed underserved community in Ft. Walton Beach, Florida defined from Hollywood Blvd and Elm Ave SE to Santa Rosa Sound shoreline, St. Mary Ave, Coral Dr, and Robinwood Dr, are eligible for membership.
Employers and groups
- Employees of the credit union, volunteers in the community, and organizations of such persons are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons, spouses of persons who died while within the field of membership, and organizations of such persons are eligible for membership.
Other ways
- Members of record of Okaloosa County Teachers Federal Credit Union as of September 8, 2005, are eligible for membership.
Branches
5 branches in Florida
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Florida
5 branches
- Okaloosa County Teachers FCUMain office1126 N Ferdon Blvd, Crestview, FL 32536Directions
- Okaloosa County Teachers FCU1330 14th St, Baker, FL 32531Directions
- Okaloosa County Teachers FCU11 Racetrack Rd NE Unit I, Fort Walton Beach, FL 32547Directions
- Okaloosa County Teachers FCU8148 4th St., Laurel Hill, FL 32567Directions
- Okaloosa County Teachers FCU1003A John Sims Pkwy E, Niceville, FL 32578Directions
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 | 9.46% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.39% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $45 | $76 | — |
- CapitalNet worth ratio9.46%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.39%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$45Peers’ 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 Okaloosa County Teachers FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.