Credit union · NCUA insured
Santa Barbara Teachers FCU
A $309.6M credit union headquartered in Santa Barbara, CA, with 9,188 members and 3 branches in California. Best rates: savings 0.90% APY.
Santa Barbara Teachers FCU Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#6 of 18 in Santa Maria, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Santa Barbara Teachers FCU
Founded in 1936 to serve Santa Barbara County public school employees and their families, Santa Barbara Teachers Federal Credit Union is a financial cooperative entirely owned by its membership.
- Headquarters
- 3970 La Colina Rd, Santa Barbara, CA 93110-1563
- NCUA charter
- 1909
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of approved independent schools are eligible for membership.
- Membership is open to all public school district employees in Santa Barbara County.
Family and household
- Family members (grandparents, parents, husband, wife, brothers, sisters, children and grandchildren) of members may join.
Cost to join
- A minimum deposit of $25 is required.
- A membership fee of $5 is required.
Branches
3 branches in California
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California
3 branches
- Santa Barbara Teachers FCU1307B N H St, Lompoc, CA 93436Directions
- Santa Barbara Teachers FCU3970 La Colina Rd, Santa Barbara, CA 93110Directions
- Santa Barbara Teachers FCU2615 S Miller St Ste 110, Santa Maria, CA 93455Directions
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 | 13.82% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.01% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.91% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $22 | $76 | — |
- CapitalNet worth ratio13.82%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.01%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.91%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$22Peers’ 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 Santa Barbara Teachers FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.