Credit union · NCUA insured
Voyage Federal Credit Union
Top CarrotA $282.4M credit union headquartered in Sioux Falls, SD, with 19,670 members and 4 branches in South Dakota. Best rates: CDs 4.09% and savings 1.71% APY.
Voyage Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#1 of 18 in Sioux Falls, SD-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Voyage Federal Credit Union
Headquartered in Sioux Falls, South Dakota, Voyage Federal Credit Union traces its roots to 1939 and 1940 before merging as Bell Federal Credit Union and Midwest Partners Credit Union in 2011.
The member-owned credit union serves rural districts across 25 counties in four states.
- Headquarters
- 3823 S Kiwanis Cir, Sioux Falls, SD 57105
- NCUA charter
- 3458
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work (or regularly conduct business in), worship, or attend school in rural districts in 25 counties across 4 states are eligible for membership.
Other ways
- Businesses and other legal entities located in rural districts in 25 counties across 4 states are eligible for membership.
Branches
4 branches in South Dakota
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South Dakota
4 branches
Sioux Falls area · 3
- MainMain office3823 S Kiwanis Cir, Sioux Falls, SD 57105Directions
- Crossroads4420 W Crossroads Pl, Sioux Falls, SD 57106Directions
- Dawley Farm Branch5800 E 18th St Ste 101, Sioux Falls, SD 57110Directions
Vermillion area · 1
- Vermillion105 E Cherry St, Vermillion, SD 57069Directions
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 | 10.03% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.83% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.00% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio10.03%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.83%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.00%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ 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 Voyage 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.