Las Colinas Federal Credit Union


Overview / Commentary
214-273-5094
555 Cimarron Trl
Irving, TX 75063

Las Colinas Federal Credit Union is headquartered in Irving and is the 147th largest credit union in the state of Texas. It is also the 1,857th largest credit union in the nation. It was established in 1955 and as of September of 2023, it had grown to 26 employees and 9,292 members at 4 locations. Las Colinas Federal Credit Union's CD rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is Las Colinas Federal Credit Union is open to individuals who live, work, worship, or attend school in the 75427 Zip Code (Dallas/Irving), or in the geographic area bordered by Walnut Hill Lane, Belt Line, and TX-114 in Irving. Homeowners in the planned community of Valley Ranch also qualify for membership.
See current membership details

Reviews (1)

Denied Even With Excellent Credit

Online account opening didn't seem very straight-forward. My app didn't seem to go through as it kept hanging at the ID upload page. Well, after a couple of days I got a letter in the mail telling me that they couldn't open an account after reviewing my chexsystems credit report. My 800+ score didn't help.



Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Las Colinas Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #10424
Year Chartered1955
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD-0.02%
Return on Equity - YTD-0.18%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$96.9MM$94.1MM
LoansQ3 2023vs Q3 2022$82.9MM$76.5MM
DepositsQ3 2023vs Q3 2022$84MM$82.6MM
Equity CapitalQ3 2023vs Q3 2022$9.7MM$9.5MM
Loan Loss AllowanceQ3 2023vs Q3 2022$490K$514K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$567K$971K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Las Colinas Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Las Colinas Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.06%*$1k*$2kStarting Over Savings Account
OTHER TIERS: 0.05% $2k - $25k | 0.10% $25k+ | 1.02% Up to $1k
0.25%*$2.5k*-IRA Savings Account
OTHER TIERS: 0.15% $100 - $2.5k
0.10%*$25k*-Holiday Club Account
OTHER TIERS: 0.02% $100 - $1k | 0.05% $1k - $25k
0.10%*$25k*-Special Savings Account
OTHER TIERS: 0.02% $100 - $1k | 0.05% $1k - $25k
0.10%*$25k*-Savings Account
OTHER TIERS: 0.02% $100 - $1k | 0.05% $1k - $25k

Las Colinas Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Money Market
OTHER TIERS: 0.10% $2.5k - $10k | 0.12% $10k - $25k

Las Colinas Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
7.00%*-$25kPremier Checking Account
OTHER TIERS: 0.01% $25k+
0.05%$500-Regular Checking Account
0.05%$500-Senior Checking Account

Las Colinas Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$10k-13 Month CD Special
5.10%*$50k*-12 Month CD
OTHER TIERS: 5.00% $1k - $25k | 5.05% $25k - $50k
5.10%*$50k*-12 Month Youth CD
OTHER TIERS: 5.00% $500 - $25k | 5.05% $25k - $50k
4.60%*$50k*-24 Month CD
OTHER TIERS: 4.50% $1k - $25k | 4.55% $25k - $50k
4.60%*$50k*-24 Month Youth CD
OTHER TIERS: 4.50% $500 - $25k | 4.55% $25k - $50k
4.50%$1k-7 Month No Penalty Certificate
3.10%*$50k*-36 Month CD
OTHER TIERS: 3.00% $1k - $25k | 3.05% $25k - $50k
3.10%*$50k*-48 Month CD
OTHER TIERS: 3.00% $1k - $25k | 3.05% $25k - $50k
3.10%*$50k*-60 Month CD
OTHER TIERS: 3.00% $1k - $25k | 3.05% $25k - $50k
3.10%*$50k*-36 Month Youth CD
OTHER TIERS: 3.00% $500 - $25k | 3.05% $25k - $50k
3.10%*$50k*-48 Month Youth CD
OTHER TIERS: 3.00% $500 - $25k | 3.05% $25k - $50k
3.10%*$50k*-60 Month Youth CD
OTHER TIERS: 3.00% $500 - $25k | 3.05% $25k - $50k

Las Colinas Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%*$50k*-12 Month IRA
OTHER TIERS: 5.00% $1k - $25k | 5.05% $25k - $50k
4.60%*$50k*-24 Month IRA
OTHER TIERS: 4.50% $1k - $25k | 4.55% $25k - $50k
3.10%*$50k*-36 Month IRA
OTHER TIERS: 3.00% $1k - $25k | 3.05% $25k - $50k
3.10%*$50k*-48 Month IRA
OTHER TIERS: 3.00% $1k - $25k | 3.05% $25k - $50k
3.10%*$50k*-60 Month IRA
OTHER TIERS: 3.00% $1k - $25k | 3.05% $25k - $50k
Locations


Las Colinas Federal Credit Union Locations
Branch Office16251 Dallas PkwyAddison, TX 75001
Branch Office555 Cimarron TrlIrving, TX 75063-4538
Branch Office9797 Rombauer RdCoppell, TX 75019-5173
Branch Office2613 Denton Tap RdLewisville, TX 75067

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