Credit union · NCUA insured
Wayne County Community Federal Credit Union
Top CarrotA $54.1M credit union headquartered in Smithville, OH, with 4,358 members and 3 branches in Ohio. Best rates: CDs 3.50% and savings 1.75% APY.
Wayne County Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#3 of 14 in Wooster, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wayne County Community Federal Credit Union
Wayne County Community Federal Credit Union was originally chartered in 1966 as the Wayne County School Employees Federal Credit Union.
In 2001, the member-owned financial cooperative adopted its present name following a charter expansion to serve Wayne County.
- Headquarters
- 311 Kaufman Drive, Smithville, OH 44677
- NCUA charter
- 17449
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Wayne County, Ohio is eligible for membership.
Family and household
- Immediate family members (sibling, parent, child, or spouse) of a current Wayne County Community Federal Credit Union member are eligible for membership.
Cost to join
- A $5 initial deposit is required to open a savings account and establish a membership share.
Branches
3 branches in Ohio
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Ohio
3 branches
- Wayne County Community FCUMain office311 Kaufman Drive, Smithville, OH 44677Directions
- Orrville Branch100 W Market St, Orrville, OH 44667Directions
- Valera Shared Branch Network311 Kaufmann Dr, Smithville, OH 44677Directions
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 | 11.25% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.18% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.07% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $41 | $59 | — |
- CapitalNet worth ratio11.25%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.18%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.07%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$41Peers’ 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 Wayne County Community 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.