RANKING · Q2 2026

Lowest cost of shares and deposits

1817 of 4299 credit unions that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.

Lowest cost of shares and deposits, Q2 2026
Rank	Institution	Headquarters	Cost of all shares and deposits, annualized for the quarter	Total assets
1	First Financial Federal Credit Union	Freehold, NJ	0.03%	$176 million
2	Hibbing Cooperative Credit Union	Hibbing, MN	0.11%	$109 million
3	Marquette Community Federal Credit Union	Marquette, MI	0.13%	$117 million
4	Central State Credit Union	Stockton, CA	0.14%	$258 million
5	Allied Federal Credit Union	Arlington, TX	0.14%	$138 million
6	Finger Lakes Federal Credit Union	Geneva, NY	0.16%	$259 million
7	University of Nebraska Federal Credit Union	Lincoln, NE	0.19%	$131 million
8	Deepwater Industries Federal Credit Union	Deepwater, NJ	0.23%	$114 million
9	Laredo Federal Credit Union	Laredo, TX	0.23%	$137 million
10	Cannon Federal Credit Union	Clovis, NM	0.24%	$102 million
11	Choice One Community Federal Credit Union	Plains Township, PA	0.25%	$131 million
12	Yolo Federal Credit Union	Woodland, CA	0.25%	$412 million
13	Tonawanda Valley Federal Credit Union	Batavia, NY	0.26%	$171 million
14	Bfg Federal Credit Union	Akron, OH	0.26%	$160 million
15	Ufirst Federal Credit Union	Plattsburgh, NY	0.28%	$129 million
16	Vicinity Credit Union	Chicago, IL	0.28%	$204 million
17	Mobile Educators Credit Union	Mobile, AL	0.28%	$113 million
18	The Health & Education Federal Credit Union	Lexington, KY	0.29%	$126 million
19	Madison County Federal Credit Union	Anderson, IN	0.29%	$114 million
20	Premier Financial Credit Union	New Holstein, WI	0.30%	$132 million
21	White River Credit Union	Enumclaw, WA	0.30%	$114 million
22	Heart of Louisiana Federal Credit Union	Pineville, LA	0.32%	$143 million
23	Zeal Credit Union	Livonia, MI	0.32%	$1.1 billion
24	Pacific Cascade Federal Credit Union	Eugene, OR	0.32%	$140 million
25	Community Powered Federal Credit Union	Bear, DE	0.33%	$142 million
26	Southern Lakes Credit Union	Kenosha, WI	0.34%	$113 million
27	Advantage Financial Federal Credit Union	Washington, DC	0.34%	$103 million
28	Sunrise Family Credit Union	Bay City, MI	0.35%	$133 million
29	Rancho Federal Credit Union	Downey, CA	0.35%	$109 million
30	Guardian Credit Union	Oak Creek, WI	0.36%	$294 million
31	Ibew & United Workers Federal Credit Union	Portland, OR	0.36%	$113 million
32	Iron Mountain Kingsford Community Federal Credit Union	Kingsford, MI	0.37%	$149 million
33	Golden Circle Credit Union	Massillon, OH	0.38%	$107 million
34	Allegius Federal Credit Union	Burns Harbor, IN	0.38%	$177 million
35	Central Virginia Federal Credit Union	Lynchburg, VA	0.38%	$198 million
36	Downriver Community Federal Credit Union	Ecorse, MI	0.39%	$193 million
37	Chocolate Bayou Community Federal Credit Union	Alvin, TX	0.39%	$158 million
38	First Basin Credit Union	Odessa, TX	0.39%	$343 million
39	North Jersey Federal Credit Union	Totowa, NJ	0.39%	$256 million
40	Niagara'S Choice Federal Credit Union	Niagara Falls, NY	0.40%	$265 million
41	Auburn Community Federal Credit Union	Auburn, NY	0.41%	$126 million
42	Service First Federal Credit Union	Sioux Falls, SD	0.41%	$210 million
43	Explorers Federal Credit Union	Yankton, SD	0.41%	$111 million
44	Riegel Federal Credit Union	Milford, NJ	0.41%	$168 million
45	Fort Sill Federal Credit Union	Lawton, OK	0.43%	$394 million
46	Weld Community Credit Union	Greeley, CO	0.44%	$110 million
47	Parda Federal Credit Union	Auburn Hills, MI	0.44%	$217 million
48	Raritan Bay Federal Credit Union	Sayreville, NJ	0.44%	$108 million
49	F A A Federal Credit Union	Cordova, TN	0.45%	$131 million
50	1st Liberty Federal Credit Union	Great Falls, MT	0.45%	$214 million
51	Mocse Federal Credit Union	Modesto, CA	0.46%	$426 million
52	Oakdale Credit Union	Oakdale, WI	0.46%	$132 million
53	Aurgroup Credit Union	Fairfield, OH	0.47%	$204 million
54	Credit Union of Dodge City	Dodge City, KS	0.47%	$103 million
55	Advance Financial Federal Credit Union	Schererville, IN	0.48%	$123 million
56	Landmark Credit Union	Danville, IL	0.49%	$119 million
57	First Northern Credit Union	Chicago, IL	0.50%	$333 million
58	Breakwater Federal Credit Union	Houghton, MI	0.50%	$138 million
59	Walled Lake Schools Federal Credit Union	Wolverine Lake, MI	0.51%	$138 million
60	Nw Priority Credit Union	Portland, OR	0.51%	$248 million
61	South Carolina Federal Credit Union	North Charlesto, SC	0.51%	$2.6 billion
62	Gold Coast Federal Credit Union	Palm Springs, FL	0.52%	$270 million
63	Town of Hempstead Employees Federal Credit Union	North Baldwin, NY	0.52%	$149 million
64	Roanoke Valley Community Federal Credit Union	Roanoke, VA	0.52%	$107 million
65	One Community Federal Credit Union	Parkersburg, WV	0.52%	$101 million
66	United Community Federal Credit Union	West Mifflin, PA	0.53%	$129 million
67	Best Reward Federal Credit Union	Brook Park, OH	0.53%	$163 million
68	First California Federal Credit Union	Fresno, CA	0.53%	$110 million
69	Southwest Oklahoma Federal Credit Union	Lawton, OK	0.53%	$116 million
70	Membersalliance Credit Union	Loves Park, IL	0.54%	$304 million
71	Healthcare First Credit Union	Johnstown, PA	0.54%	$101 million
72	Sag-Aftra Federal Credit Union	Burbank, CA	0.54%	$336 million
73	Trunorth Federal Credit Union	Ishpeming, MI	0.54%	$203 million
74	Central Credit Union of Illinois	Bellwood, IL	0.54%	$123 million
75	First Community Credit Union	Coquille, OR	0.54%	$1.9 billion
76	Total Community Credit Union	Taylor, MI	0.55%	$111 million
77	U.P. State Credit Union	Escanaba, MI	0.55%	$210 million
78	Bull Dog Federal Credit Union	Hagerstown, MD	0.55%	$238 million
79	Southwest Montana Community Federal Credit Union	Anaconda, MT	0.55%	$203 million
80	Ohio Educational Credit Union	Cleveland, OH	0.55%	$157 million
81	Decatur Earthmover Credit Union	Forsyth, IL	0.56%	$310 million
82	Tucoemas Federal Credit Union	Visalia, CA	0.56%	$332 million
83	Spirit of Alaska Federal Credit Union	Fairbanks, AK	0.56%	$201 million
84	La Loma Federal Credit Union	Loma Linda, CA	0.56%	$117 million
85	Hartford Federal Credit Union	Hartford, CT	0.56%	$160 million
86	Jersey Shore Federal Credit Union	Northfield, NJ	0.56%	$246 million
87	Carolina Trust Federal Credit Union	Myrtle Beach, SC	0.56%	$422 million
88	One Credit Union of Ny	Cheektowaga, NY	0.56%	$114 million
89	Commonwealth Central Credit Union	San Jose, CA	0.56%	$625 million
90	C E S Credit Union	Mount Vernon, OH	0.57%	$244 million
91	Members 1st of Nj Federal Credit Union	Vineland, NJ	0.58%	$134 million
92	Navigator Federal Credit Union	Pascagoula, MS	0.58%	$407 million
93	Bossier Federal Credit Union	Bossier City, LA	0.58%	$245 million
94	Mercer County Community Federal Credit Union	Hermitage, PA	0.59%	$115 million
95	United Local Credit Union	Fresno, CA	0.59%	$119 million
96	Lanco Federal Credit Union	Lancaster, PA	0.60%	$125 million
97	Kansas Teachers Community Credit Union	Pittsburg, KS	0.60%	$125 million
98	Oregonians Credit Union	Milwaukie, OR	0.61%	$339 million
99	Border Federal Credit Union	Del Rio, TX	0.61%	$270 million
100	Muskogee Federal Credit Union	Muskogee, OK	0.62%	$112 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings