Credit union · NCUA insured
Peoples Credit Union
A $93.6M credit union headquartered in Webster City, IA, with 5,644 members and 3 branches in Iowa. Best rates: CDs 4.11% and savings 0.90% APY.
Peoples Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#2 of 5 in Fort Dodge, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Peoples Credit Union
Peoples Credit Union is a not-for-profit cooperative based in Webster City, Iowa.
The credit union operates three branch locations.
- Headquarters
- 310 1st ST, Webster City, IA 50595-2337
- NCUA charter
- 64140
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, or worships in the Iowa counties of Boone, Calhoun, Franklin, Greene, Hamilton, Hardin, Humboldt, Pocahontas, Story, Webster, and Wright.
Family and household
- Membership is open to persons in the same household as a member, and persons related to a member by the first or second degree of consanguinity or affinity (including parents, children, grandchildren, brothers, sisters, foster children, adoptive children, and such relatives of a deceased member).
Cost to join
- Opening an account in branch requires an opening deposit of $25 for a Savings account and $50 for a Checking account.
Branches
3 branches in Iowa
Loading map…
Iowa
3 branches
Fort Dodge area · 2
- Fort Dodge1717 5th Ave S, Fort Dodge, IA 50501Directions
- Lehigh117 Main St, Lehigh, IA 50557Directions
Webster City area · 1
- Main OfficeMain office310 1st ST, Webster City, IA 50595Directions
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 | 10.57% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.16% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.22% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio10.57%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.16%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.22%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$76Peers’ 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 Peoples Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.