Las Colinas Federal Credit Union

Overview / Commentary

www.lascolinasfcu.com

214-273-5094

555 Cimarron Trl
Irving, TX 75063

Las Colinas Federal Credit Union is headquartered in Irving and is the 152^nd largest credit union in the state of Texas. It is also the 1,903^rd largest credit union in the nation. It was established in 1955 and as of December of 2022, it had grown to 23 employees and 9,286 members at 4 locations. Las Colinas Federal Credit Union's CD rates are 5X 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

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Health

Data as of Q4 2022

Learn why bank health matters

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 Chartered	1955
Employees	23
Primary Regulator

Profit Margin
Return on Assets - YTD	1.07%
Return on Equity - YTD	10.38%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q4 2022vs Q4 2021	$93.5MM$90.9MM
Loans	Q4 2022vs Q4 2021	$79.6MM$72.3MM
Deposits	Q4 2022vs Q4 2021	$81.3MM$80.5MM
Equity Capital	Q4 2022vs Q4 2021	$9.7MM$8.7MM
Loan Loss Allowance	Q4 2022vs Q4 2021	$462.00K$507.00K
Unbacked Noncurrent Loans	Q4 2022vs Q4 2021	$748.00K$284.00K
Real Estate Owned	Q4 2022vs Q4 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME
1.06%^*	$1k^*	$2k	Starting 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
5.00%^*	-	$10k	Premier Checking Account
OTHER TIERS: 0.01% → $10k+
0.05%	$500	-	Regular Checking Account
0.05%	$500	-	Senior Checking Account

Las Colinas Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.60%^*	$50k^*	-	12 Month CD
OTHER TIERS: 4.50% → $1k - $25k \| 4.55% → $25k - $50k
4.60%^*	$50k^*	-	12 Month Youth CD
OTHER TIERS: 4.50% → $500 - $25k \| 4.55% → $25k - $50k
4.45%^*	$50k^*	-	24 Month CD
OTHER TIERS: 4.35% → $1k - $25k \| 4.40% → $25k - $50k
4.45%^*	$50k^*	-	24 Month Youth CD
OTHER TIERS: 4.35% → $500 - $25k \| 4.40% → $25k - $50k
4.10%^*	$50k^*	-	36 Month CD
OTHER TIERS: 4.00% → $1k - $25k \| 4.05% → $25k - $50k
4.10%^*	$50k^*	-	36 Month Youth CD
OTHER TIERS: 4.00% → $500 - $25k \| 4.05% → $25k - $50k
3.60%^*	$50k^*	-	48 Month CD
OTHER TIERS: 3.50% → $1k - $25k \| 3.55% → $25k - $50k
3.60%^*	$50k^*	-	60 Month CD
OTHER TIERS: 3.50% → $1k - $25k \| 3.55% → $25k - $50k
3.60%^*	$50k^*	-	48 Month Youth CD
OTHER TIERS: 3.50% → $500 - $25k \| 3.55% → $25k - $50k
3.60%^*	$50k^*	-	60 Month Youth CD
OTHER TIERS: 3.50% → $500 - $25k \| 3.55% → $25k - $50k

Las Colinas Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.60%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 4.50% → $1k - $25k \| 4.55% → $25k - $50k
4.45%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 4.35% → $1k - $25k \| 4.40% → $25k - $50k
4.10%^*	$50k^*	-	36 Month IRA
OTHER TIERS: 4.00% → $1k - $25k \| 4.05% → $25k - $50k
3.60%^*	$50k^*	-	48 Month IRA
OTHER TIERS: 3.50% → $1k - $25k \| 3.55% → $25k - $50k
3.60%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 3.50% → $1k - $25k \| 3.55% → $25k - $50k

Locations

Las Colinas Federal Credit Union Locations
Branch Office	16251 Dallas Pkwy	Addison, TX 75001
Branch Office	555 Cimarron Trl	Irving, TX 75063-4538
Branch Office	9797 Rombauer Rd	Coppell, TX 75019-5173
Branch Office	2613 Denton Tap Rd	Lewisville, TX 75067

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