Credit union · NCUA insured
Oteen VA Federal Credit Union
A $34.8M credit union headquartered in Asheville, NC, with 2,109 members and 1 branch in North Carolina. Best rates: CDs 0.91% and savings 0.22% APY.
Oteen VA Federal Credit Union Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#14 of 18 in Asheville, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Oteen VA Federal Credit Union
Established in 1936 by VA Medical Center employees in Asheville, North Carolina, Oteen VA Federal Credit Union was formed to help workers earn more on savings and access low-interest loans.
Operating on the VA campus since its founding, the credit union moved to a former fire station in 1977 and expanded its Building 24 location in 1995.
- Headquarters
- 1100 Tunnel Rd Unit 24, Asheville, NC 28805-2577
- NCUA charter
- 932
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to Friends of the Foundation.
- Eligibility is open to Goodwill.
- Eligibility is open to Laurels of Summit Ridge.
- Eligibility is open to Marjorie Mccune Center.
- Eligibility is open to Parkway Family Physicians.
- Eligibility is open to Samaritan’s Place.
25 more ways to join
Employers and groups
- Eligibility is open to Wright’s Carpet.
Military, government and schools
- Eligibility is open to Asheville Christian Academy.
- Eligibility is open to Air Force Sergeants Association Chapter 363.
- Eligibility is open to American Legion Auxiliary.
- Eligibility is open to American Legions: Post 2, 44, 56, 70, 335, 77 Hendersonville.
- Eligibility is open to AMVETS: Post 5, 333, 610 665.
- Eligibility is open to American Ex-Prisoners of War.
- Eligibility is open to Coast Guard Combat Veterans Association.
- Eligibility is open to The Charles George VA Medical Center Asheville, NC.
- Eligibility is open to Combat Infantryman’s Association.
- Eligibility is open to Military Order of the Cootie Pup Tent 9.
- Eligibility is open to Catholic War Veterans Post 1914.
- Eligibility is open to Disabled American Veterans Post 2.
- Eligibility is open to Destroyer Escort Sailors Association.
- Eligibility is open to LA Societe Des 40 Hommes and 8 Chevaux Voiture 1187.
- Eligibility is open to Fleet Reserve Association Branch 361.
- Eligibility is open to Mid-Atlantic Consolidated Patient Account Center (MACPAC).
- Eligibility is open to Blue Ridge Detachment 848 Marine Corp. League.
- Eligibility is open to Non-Commissioned Officers Association Chapter 1400.
- Eligibility is open to Regular Veterans Association: Post 8, 16.
- Eligibility is open to Veterans of Foreign Wars: Post 891, 3040, 5483, 9157, 9939.
- Eligibility is open to Vietnam Veterans of American Chapter 124.
- Eligibility is open to Western NC Women Veterans.
- Eligibility is open to Veterans of World War I Barracks 505.
Family and household
- Membership is open to immediate family members.
Branches
1 branch in North Carolina
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North Carolina
1 branch
- Charles George V.A. Medical CenterMain office1100 Tunnel Rd Unit 24, Asheville, NC 28805Directions
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 | 13.04% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.86% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio13.04%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.86%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ 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 Oteen VA 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.