Credit union · NCUA insured
White County FCU
A $17.6M credit union headquartered in Searcy, AR, with 2,039 members and 1 branch in Arkansas. Best rates: CDs 0.65% and savings 0.20% APY.
White County FCU Carrot Score
67
Carrot Score
Higher than 18% of U.S. banks and credit unions
#5 of 5 in Searcy, AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About White County FCU
Founded in 1958 to serve state and government employees in White County, White County Federal Credit Union is headquartered in Searcy, Arkansas.
Originally formed under a state charter, the credit union became federally chartered in 1992 and previously merged with Moark Federal Credit Union.
- Headquarters
- 508 W Beebe Capps Expy, Searcy, AR 72143-6652
- NCUA charter
- 24428
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of approved Select Employee Groups (SEGs) and employees of this credit union are eligible for membership.
Military, government and schools
- Federal, State, District, & Municipal employees working in White County are eligible for membership.
- White County Government Employees are eligible for membership.
Family and household
- Individuals related by marriage or blood to an existing member, or immediate family members of an employee at an eligible group, qualify for membership.
- Spouses of deceased members, retirees/annuitants of eligible employment, immediate family/household members of credit union employees, and related organizations qualify for membership.
Other ways
- Members of Record of MOARK Federal Credit Union #24436 as of 12/31/2000 are eligible for membership.
Cost to join
- A deposit of $25 establishes a Share (Savings) Account and credit union membership.
Branches
1 branch in Arkansas
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Arkansas
1 branch
- White County FCUMain office508 W Beebe Capps Expy, Searcy, AR 72143Directions
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 | 17.68% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.58% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.98% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $80 | $59 | — |
- CapitalNet worth ratio17.68%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.58%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.98%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$80Peers’ 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 White County FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.