Credit union · NCUA insured
Owensboro Federal Credit Union
A $89.5M credit union headquartered in Owensboro, KY, with 6,071 members and 3 branches in Kentucky. Best rates: CDs 4.07% and savings 0.25% APY.
Owensboro Federal Credit Union Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#7 of 12 in Owensboro, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Owensboro Federal Credit Union
Owensboro Federal Credit Union began in October 1953 and serves 80 Special Employee Groups in the Owensboro and Madisonville areas.
Started by local postal workers to help each other in times of need, the credit union is not-for-profit and member owned.
- Headquarters
- 717 Harvard Dr, Owensboro, KY 42301-6185
- NCUA charter
- 8988
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of 80 Special Employee Groups in Daviess County and the Owensboro and Madisonville areas are eligible for membership.
Family and household
- Anyone in the immediate family of an Owensboro Federal Credit Union member is eligible for membership.
Branches
3 branches in Kentucky
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Kentucky
3 branches
Owensboro area · 2
- Owensboro Federal Credit UnionMain office717 Harvard Dr, Owensboro, KY 42301Directions
- Owensboro Federal Credit Union1208 Triplett St, Owensboro, KY 42303Directions
Madisonville area · 1
- Owensboro Federal Credit Union1412 Chelsa Dr, Madisonville, KY 42431Directions
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 | 14.21% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.26% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.05% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio14.21%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.26%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.05%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ 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 Owensboro 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.