Credit union · NCUA insured
VacationLand Federal Credit Union
A $328.1M credit union headquartered in Sandusky, OH, with 20,598 members and 5 branches in Ohio. Best rates: CDs 4.35% and savings 0.25% APY.
VacationLand Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#5 of 12 in Sandusky, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About VacationLand Federal Credit Union
VacationLand Federal Credit Union is a member-owned financial cooperative headquartered in Sandusky, Ohio, serving the local community since 1956.
The credit union operates branches in Sandusky, Vermilion, Norwalk, and Huron, with field of membership approval covering Lorain, Ottawa, and Sandusky counties.
- Headquarters
- 2911 Hayes Ave, Sandusky, OH 44870-7206
- NCUA charter
- 11293
Branches
5 branches in Ohio
Loading map…
Ohio
5 branches
Sandusky area · 4
- Hayes AveMain office2911 Hayes Ave, Sandusky, OH 44870Directions
- Huron2402 University Dr E, Huron, OH 44839Directions
- Perkins Ave2409 E Perkins Ave, Sandusky, OH 44870Directions
- Vermilion1607 State Rd # 60, Vermilion, OH 44089Directions
Norwalk area · 1
- Norwalk26 Executive Dr, Norwalk, OH 44857Directions
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 | 12.84% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.16% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.73% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $65 | $76 | — |
- CapitalNet worth ratio12.84%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.16%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.73%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$65Peers’ 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 VacationLand 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.