Credit union · NCUA insured
Signet Federal Credit Union
Top CarrotA $389.6M credit union headquartered in Paducah, KY, with 20,688 members and 4 branches in Kentucky. Best rates: CDs 3.90% and savings 0.50% APY.
Signet Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#1 of 8 in Paducah, KY-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Signet Federal Credit Union
Established in June 1939, Signet Federal Credit Union was founded in Paducah, Kentucky, to serve railroad employees, pensioners, and their families.
Today, the member-owned credit union serves 11 counties across Western Kentucky.
- Headquarters
- 163 Pecan CT, Paducah, KY 42001
- NCUA charter
- 23949
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This may be incomplete or out of date, so check with the credit union before you apply.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, volunteers, attends church, or attends school in Ballard, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall, and McCracken counties.
Branches
4 branches in Kentucky
Loading map…
Kentucky
4 branches
Paducah area · 3
- MainMain office163 Pecan CT, Paducah, KY 42001Directions
- New Holt2450 New Holt Rd, Paducah, KY 42001Directions
- Tully333 Tully St, Paducah, KY 42003Directions
Mayfield area · 1
- Mayfield402 Charles Dr, Mayfield, KY 42066Directions
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 | 16.64% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.07% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio16.64%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.07%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ 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 Signet 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.