Ranking · Q2 2026 call reports

The credit unions that pay members the most on deposits

State Farm Federal Credit Union of Bloomington, Illinois leads this list at 4.04%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Most paid out on deposits, as a blended rate, $100 million and up. 1,820 credit unions qualify; the top 100 are below.

#	Credit union	Location	Paid on deposits	Deposits	Certificates	ROA
1	State Farm Federal Credit Union	Bloomington, IL	4.04%	$5.0B	0.00%	0.47%
2	San Joaquin Power Employees Credit Union	Fresno, CA	3.96%	$145M	0.00%	0.55%
3	SJP Federal Credit Union	Buffalo, NY	3.75%	$163M	45.14%	1.26%
4	Lafayette Federal Credit Union	Rockville, MD	3.58%	$1.8B	55.37%	0.10%
5	Freedom Northwest Credit Union	Kamiah, ID	3.45%	$510M	45.71%	2.54%
6	Workmen's Circle Incorporated Credit Union	Savannah, GA	3.44%	$107M	24.03%	2.24%
7	Wcla Credit Union	Olympia, WA	3.42%	$112M	61.82%	1.80%
8	Employees Credit Union	Estherville, IA	3.25%	$164M	1.19%	1.64%
9	Usalliance Federal Credit Union	Rye, NY	3.25%	$2.6B	44.97%	0.67%
10	Star One Credit Union	Sunnyvale, CA	3.23%	$8.4B	5.77%	0.12%
11	Self Reliance Financial Federal Credit Union	New York, NY	3.22%	$1.7B	57.84%	0.52%
12	Communitywide Federal Credit Union	South Bend, IN	3.19%	$753M	44.36%	0.65%
13	Alliant Credit Union	Chicago, IL	3.17%	$16.1B	35.13%	0.94%
14	Consumers Federal Credit Union	Brooklyn, NY	3.13%	$90.9M	26.01%	0.25%
15	Quorum Federal Credit Union	Purchase, NY	3.12%	$1.1B	31.53%	1.84%
16	California Lithuanian Credit Union	Santa Monica, CA	3.11%	$143M	44.55%	0.60%
17	Efcu Financial Federal Credit Union	Baton Rouge, LA	3.09%	$1.1B	50.99%	0.93%
18	Leaders Credit Union	Jackson, TN	3.06%	$1.2B	29.76%	1.44%
19	Chevron Federal Credit Union	Concord, CA	3.06%	$4.7B	34.23%	1.68%
20	Connexus Credit Union	Wausau, WI	3.00%	$3.6B	47.97%	0.06%
21	Greenwood Credit Union	Warwick, RI	2.95%	$856M	51.74%	1.08%
22	Mobility Credit Union	Irving, TX	2.93%	$327M	47.72%	0.36%
23	Vibrant Credit Union	Moline, IL	2.92%	$959M	36.83%	0.23%
24	Hometown Credit Union	Kulm, ND	2.90%	$182M	52.75%	1.46%
25	Dow Credit Union	Midland, MI	2.88%	$2.3B	36.31%	0.77%
26	General Electric Credit Union	Cincinnati, OH	2.87%	$3.5B	51.61%	0.35%
27	NASA Federal Credit Union	Upper Marlboro, MD	2.86%	$4.7B	58.00%	0.87%
28	Rockland Federal Credit Union	Rockland, MA	2.86%	$3.3B	37.10%	0.74%
29	Telcoe Federal Credit Union	Little Rock, AR	2.84%	$423M	30.52%	0.81%
30	Four Points Federal Credit Union	Omaha, NE	2.84%	$132M	46.94%	-6.62%
31	Greenstate Credit Union	North Liberty, IA	2.82%	$8.7B	44.84%	0.53%
32	Clean Energy Federal Credit Union	Englewood, CO	2.78%	$113M	42.67%	-0.20%
33	Missouri Electric Cooperatives Empl Credit Union	Jefferson City, MO	2.77%	$344M	34.33%	1.42%
34	Aneca Federal Credit Union	Shreveport, LA	2.74%	$191M	50.46%	0.78%
35	Connecticut State Employees Credit Union	Hartford, CT	2.73%	$2.5B	24.75%	0.70%
36	Windthorst Federal Credit Union	Windthorst, TX	2.73%	$90.8M	50.57%	1.14%
37	America's Christian Credit Union	Glendora, CA	2.73%	$729M	30.96%	0.47%
38	Members Trust of the Southwest Federal Credit Union	Houston, TX	2.71%	$251M	47.64%	1.34%
39	All in Federal Credit Union	Daleville, AL	2.70%	$3.3B	48.49%	1.17%
40	Utah First Federal Credit Union	Salt Lake City, UT	2.70%	$929M	22.28%	1.06%
41	United States Senate Federal Credit Union	Alexandria, VA	2.69%	$1.4B	46.96%	0.19%
42	Communication Federal Credit Union	Oklahoma City, OK	2.69%	$2.1B	57.89%	1.05%
43	Carter Federal Credit Union	Springhill, LA	2.68%	$588M	41.12%	0.66%
44	Port Washington Federal Credit Union	Port Washington, NY	2.67%	$93.0M	58.57%	2.33%
45	Clearpath Federal Credit Union	Burbank, CA	2.67%	$204M	37.95%	-0.19%
46	Caltech Employees Federal Credit Union	La Canada, CA	2.67%	$1.6B	0.00%	0.13%
47	Gulf Coast Federal Credit Union	Corpus Christi, TX	2.66%	$236M	50.00%	0.43%
48	Hughes Federal Credit Union	Tucson, AZ	2.66%	$2.4B	43.44%	0.12%
49	First Community CU of Beloit Credit Union	Beloit, WI	2.65%	$348M	35.68%	0.92%
50	Chattanooga Area Schools Federal Credit Union	Chattanooga, TN	2.65%	$174M	49.23%	0.42%
51	American Airlines Federal Credit Union	Fort Worth, TX	2.65%	$8.3B	30.64%	0.92%
52	F & A Federal Credit Union	Monterey Park, CA	2.64%	$2.1B	35.75%	1.05%
53	Utah Power Credit Union	Murray, UT	2.64%	$958M	51.03%	1.40%
54	Knoxville Teachers Federal Credit Union	Knoxville, TN	2.63%	$231M	11.76%	0.60%
55	Northwestern Mutual Credit Union	Milwaukee, WI	2.62%	$240M	12.80%	0.72%
56	Ironworkers USA Federal Credit Union	Portland, OR	2.62%	$138M	32.20%	1.06%
57	Lake Michigan Credit Union	Grand Rapids, MI	2.62%	$14.7B	28.52%	1.23%
58	Puget Sound Cooperative Credit Union	Bellevue, WA	2.62%	$241M	50.33%	0.23%
59	Florida Credit Union	Gainesville, FL	2.61%	$2.4B	54.01%	1.46%
60	Ashland Credit Union	Ashland, KY	2.61%	$355M	42.47%	0.26%
61	Rally Credit Union	Corpus Christi, TX	2.60%	$4.0B	43.92%	1.17%
62	First Technology Federal Credit Union	San Jose, CA	2.60%	$24.2B	21.21%	0.38%
63	Workers Federal Credit Union	Littleton, MA	2.59%	$1.9B	26.47%	-0.21%
64	Abound Federal Credit Union	Radcliff, KY	2.59%	$2.3B	54.43%	1.06%
65	Citadel Federal Credit Union	Exton, PA	2.58%	$5.8B	32.16%	0.47%
66	Goldenwest Federal Credit Union	Ogden, UT	2.58%	$3.7B	42.91%	1.64%
67	Bellco Credit Union	Greenwood Village, CO	2.58%	$7.1B	31.24%	0.72%
68	Dort Financial Credit Union	Grand Blanc, MI	2.57%	$2.2B	28.09%	0.57%
69	Oklahoma Federal Credit Union	Oklahoma City, OK	2.57%	$159M	56.01%	1.68%
70	Credit Human Federal Credit Union	San Antonio, TX	2.56%	$3.6B	45.10%	0.11%
71	St. Michaels Fall River Federal Credit Union	Fall River, MA	2.56%	$110M	56.89%	0.52%
72	Signature Federal Credit Union	Alexandria, VA	2.56%	$329M	46.13%	0.15%
73	Greater Community Credit Union	Dawson, MN	2.56%	$235M	33.73%	1.69%
74	Eecu Credit Union	Fort Worth, TX	2.55%	$4.2B	37.58%	1.65%
75	Chief Financial Federal Credit Union	Rochester Hills, MI	2.55%	$223M	20.52%	0.64%
76	Utica Gas & Electric Emp Federal Credit Union	New Hartford, NY	2.55%	$102M	43.52%	1.61%
77	Naheola Credit Union	Pennington, AL	2.53%	$179M	51.00%	1.68%
78	Veridian Credit Union	Waterloo, IA	2.53%	$7.7B	44.86%	1.65%
79	Freedom Credit Union	Warminster, PA	2.53%	$1.3B	40.34%	0.97%
80	Pacific Horizon Credit Union	Springville, UT	2.51%	$128M	44.00%	0.96%
81	Libertyone Credit Union	Arlington, TX	2.51%	$156M	44.02%	0.38%
82	Oklahoma Educators Credit Union	Oklahoma City, OK	2.51%	$240M	18.17%	0.66%
83	Baton Rouge Telco Federal Credit Union	Baton Rouge, LA	2.51%	$399M	50.12%	0.60%
84	Premier Credit Union	Des Moines, IA	2.51%	$346M	41.04%	0.36%
85	Lesco Federal Credit Union	Latrobe, PA	2.51%	$115M	21.09%	1.33%
86	Indiana University Credit Union	Bloomington, IN	2.50%	$1.8B	39.66%	1.09%
87	Community First Credit Union	Appleton, WI	2.50%	$5.9B	41.13%	1.54%
88	Kemba Credit Union	West Chester, OH	2.50%	$1.5B	35.66%	0.56%
89	Canvas Credit Union	Lone Tree, CO	2.50%	$4.7B	32.02%	0.91%
90	Coastal Federal Credit Union	Raleigh, NC	2.49%	$5.4B	30.92%	0.87%
91	American First Credit Union	Brea, CA	2.48%	$1.2B	15.99%	0.84%
92	Alliance Credit Union	Lubbock, TX	2.47%	$944M	44.69%	0.89%
93	American Heritage Federal Credit Union	Philadelphia, PA	2.47%	$4.4B	32.67%	0.53%
94	Guardian Credit Union	Prattville, AL	2.47%	$1.0B	35.53%	1.23%
95	Michigan Schools and Government Credit Union	Clinton Township, MI	2.46%	$3.7B	45.96%	1.49%
96	Mountain America Federal Credit Union	Sandy, UT	2.46%	$20.3B	34.07%	0.89%
97	Credit Union of America	Wichita, KS	2.45%	$1.5B	45.22%	1.26%
98	Metro Credit Union	Chelsea, MA	2.45%	$2.8B	32.50%	0.35%
99	River Works Credit Union	Lynn, MA	2.45%	$174M	57.17%	0.55%
100	Kinetic Federal Credit Union	Columbus, GA	2.45%	$569M	31.15%	0.31%

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Dividends paid on deposits: Annualized dividends on shares plus interest on deposits, divided by average shares and deposits. A blended rate across every account the credit union pays on, not an advertised rate. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions

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Questions people ask

How is this list ranked?

Most paid out on deposits, as a blended rate, $100 million and up. Annualized dividends on shares plus interest on deposits, divided by average shares and deposits. A blended rate across every account the credit union pays on, not an advertised rate. Only credit unions with at least $100 million in assets are included, so a very small credit union with a handful of loans cannot top the list. Ties go to the larger credit union. Figures come from each credit union's NCUA 5300 call report for Q2 2026 (quarter ended June 30, 2026).

Can I see more than 100, or filter by state?

Yes. The free screener lists all 1,820 credit unions that qualify for this list, filters by state, size and charter, and downloads as CSV.