Credit union · NCUA insured
Wilmington Police and Fire Federal Credit Union
A $13.8M credit union headquartered in Wilmington, DE, with 3,949 members and 2 branches in Delaware. Best rates: CDs 1.51% and savings 0.10% APY.
Wilmington Police and Fire Federal Credit Union Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#108 of 118 in Philadelphia, PA-NJ-DE-MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wilmington Police and Fire Federal Credit Union
Wilmington Police and Fire Federal Credit Union is a member-owned and directed organization dedicated to providing financial services to its members.
- Headquarters
- 1701 Shallcross Ave, Suite B, Wilmington, DE 19806
- NCUA charter
- 11347
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Wilmington Police and Fire FCU employees are eligible for membership.
Military, government and schools
- City of Wilmington Employees are eligible for membership.
- Current City of Wilmington Fire Fighters are eligible for membership.
- Current Civilian Support Staff for the City of Wilmington Fire Fighters are eligible for membership.
- Current City of Wilmington Police Officers are eligible for membership.
- Current Civilian Support Staff for the City of Wilmington Police Officers are eligible for membership.
9 more ways to join
Military, government and schools
- Retired Wilmington Fire Fighters are eligible for membership.
- Retired Civilian Support Staff for the City of Wilmington Fire Fighters are eligible for membership.
- Retired Wilmington Police Officers are eligible for membership.
- Retired Civilian Support Staff for the City of Wilmington Police Officers are eligible for membership.
Family and household
- Immediate family members of Wilmington Police and Fire FCU employees are eligible for membership.
- Immediate family members (spouse, children, parents, siblings, grandparents, grandchildren, nieces, nephews, cousins) of Wilmington Police and Fire FCU members are eligible for membership.
- Spouses of persons who died while within the field of membership are eligible for membership.
Other ways
- City of Wilmington Fire Department Organizations or Affiliates are eligible for membership.
- City of Wilmington Police Department Organizations or Affiliates are eligible for membership.
Branches
2 branches in Delaware
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Delaware
2 branches
- Wilmington Police & Fire FCUMain office1701 Shallcross Ave, Suite B, Wilmington, DE 19806Directions
- FOP Lodge324 5th Ave, Wilmington, DE 19805Directions
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 | 14.65% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.45% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.40% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $22 | $59 | — |
- CapitalNet worth ratio14.65%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.45%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.40%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$22Peers’ 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 Wilmington Police and Fire 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.