Credit union · NCUA insured
South Bend Firefighters Credit Union
A $65M credit union headquartered in South Bend, IN, with 3,312 members and 1 branch in Indiana. Best rates: CDs 4.25% APY.
South Bend Firefighters Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#7 of 22 in South Bend, IN-MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About South Bend Firefighters Credit Union
Operating since 1959, South Bend Firefighters Credit Union is a member-owned, not-for-profit financial institution with a main office and one branch office.
Headquartered in South Bend, Indiana, the credit union provides financial services across South Bend and St. Joseph County.
- Headquarters
- 1122 S Main St, South Bend, IN 46601-3338
- NCUA charter
- 13279
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Immediate family members and household members of members are eligible to join.
Cost to join
- A $5 deposit is required to open a share savings account and establish membership.
Branches
1 branch in Indiana
Loading map…
Indiana
1 branch
- South Bend Firefighters FcuMain office1122 S Main St, South Bend, IN 46601Directions
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 | 23.61% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.07% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.30% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio23.61%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.07%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.30%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 South Bend Firefighters Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.