Credit union · NCUA insured
Sioux Valley Co-op Federal Credit Union
Top CarrotA $41.5M credit union headquartered in Watertown, SD, with 3,378 members and 1 branch in South Dakota. Best rates: CDs 5.00% and savings 2.85% APY.
Sioux Valley Co-op Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#1 of 9 in Watertown, SD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sioux Valley Co-op Federal Credit Union
Sioux Valley Co-op Federal Credit Union is a member-owned cooperative financial institution located in Watertown, South Dakota.
- Headquarters
- 712 9th Ave SE, Watertown, SD 57201-5222
- NCUA charter
- 8752
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This may be incomplete or out of date, so check with the credit union before you apply.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 a Sioux Valley Coop Cenex Member.
- Eligibility is open to employees of listed qualifying partner organizations (B&G Welding, Dakota Bodies, Jenkins Living Center, NorthStar System Built, Persona, Sioux Valley Coop Cenex, Smith Equipment/Miller MFG, South Dakota Partners Inc, Spartronics, Terex, Twin City Die Casting, Watertown Transit, Wurth Electronics).
Military, government and schools
- Eligibility is open to employees of Codington County.
Family and household
- Eligibility is open to immediate family members of an existing Sioux Valley Coop FCU member.
Branches
1 branch in South Dakota
Loading map…
South Dakota
1 branch
- Sioux Valley Co-op FCUMain office712 9th Ave SE, Watertown, SD 57201Directions
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 | 20.64% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.10% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $85 | $59 | — |
- CapitalNet worth ratio20.64%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.10%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$85Peers’ 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 Sioux Valley Co-op 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.