Credit union · NCUA insured
Welcome Federal Credit Union
Top CarrotA $93.8M credit union headquartered in Morrisville, NC, with 6,330 members and 4 branches in North Carolina. Best rates: CDs 4.10% and savings 1.00% APY.
Welcome Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#6 of 32 in Raleigh, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Welcome Federal Credit Union
- Headquarters
- 10810 Chapel Hill Rd, Morrisville, NC 27560
- NCUA charter
- 24807
Branches
4 branches in North Carolina
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North Carolina
4 branches
Raleigh area · 2
- Morrisville BranchMain office10810 Chapel Hill Rd, Morrisville, NC 27560Directions
- Zebulon Branch125 E Gannon Ave, Zebulon, NC 27597Directions
Greenville area · 1
- Greenville Branch3600 Charles Blvd, Greenville, NC 27858Directions
Henderson area · 1
- Henderson Branch620 Facet Rd, Henderson, NC 27537Directions
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 | 13.02% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.11% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $55 | $59 | — |
- CapitalNet worth ratio13.02%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.11%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$55Peers’ 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 Welcome 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.