What are the current interest rates at Las Colinas Federal Credit Union?

Current rates for Las Colinas Federal Credit Union include: 12-Month CD: 3.50%, MMA: 3.50%

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Las Colinas Federal Credit Union

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Las Colinas Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Las Colinas Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Las Colinas Federal Credit Union's 12 Month CD rates are at 3.50%. Las Colinas Federal Credit Union's money market rates are at 3.50%. Las Colinas Federal Credit Union's Credit Card Rates are at 11.40%. MonitorBankRates evaluates the financial stability of Las Colinas Federal Credit Union with a 4.4 Star Rating, an B Overall Health Grade, and a Texas Ratio of 22.06%. Rates last updated and verified on 09/20/2026.

Las Colinas Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Las Colinas Federal Credit Union? Share your experience about Las Colinas Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Las Colinas Federal Credit Union.

Overall Health & Safety Grade

Solid Health Score: 83/100

MonitorBankRates Rating

4.4

Excellent Out of 5.0 Stars

Texas Ratio

22.06%

Good Higher than avg

Health Trend

Worsening 11 quarters

Full history ›

Las Colinas Federal Credit Union
Valley Ranch Branch

555 Cimarron Trl
Irving, TX 75063-4538

https://www.lascolinasfcu.com

Las Colinas Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
12 Month Certificate	-	3.50%	12 Month
Min Deposit $500 Details Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. If the balance on a $100,000 or more Certificate Account falls below the minimum balance requirements, it will automatically renew at the applicable APY for the same term Certificate Account. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account. Last Updated 09/20/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 22.06%

Las Colinas Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account	-	3.50%
Min Deposit $500 Min Balance $1,000 Details This is a variable rate account. Dividend rates and balance tiers may change at any time without prior notice. Dividends on Money Market Accounts will be compounded monthly and credited each calendar month. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Last Updated 09/20/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 22.06%

Las Colinas Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	5.79%
Details Loans subject to credit and property approval, other terms and conditions apply. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Products, rates, and terms are subject to change without prior notice. Mortgage lending is restricted to property in Texas. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral. Home Equity loans are limited to 80% of the home's fair market value less the balances of any outstanding liens. Minimum loan amount is $10,000 and terms up to 30 years available for first-lien home equity loans. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Member may incur one-time property tax monitoring fee and may pay additional 3rd party fees. These fees typically do not exceed $500.00. Member incurs cost of full title policy on loans greater than $150,000. A sample loan payment for a fixed equity loan based on a $100,000 at 5.873% APR for 5 years is $1,923.53. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater. This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z. Texans Credit Union NMLS #530654 Last Updated 09/20/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 22.06%

Las Colinas Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Rate Advantage Credit Card	-	11.40%
Details Published APR range: 11.40% - 17.99%. Intro APR: 0% for 6 months; Regular APR: 11.40% - 17.99% Last Updated 09/20/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 22.06%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Las Colinas Federal Credit Union’s Texas Ratio rose from 3.23% in Q2 2023 to 22.06% in Q4 2025, so its financial health has weakened over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 4.4 and its Health Grade from A+ to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
December 31, 2025	$95M	22.06%	4.4	B
September 30, 2025	$104M	5.37%	5.0	A+
June 30, 2025	$101M	9.76%	5.0	A
March 31, 2025	$99M	2.55%	5.0	A+
December 31, 2024	$102M	6.25%	5.0	A
September 30, 2024	$105M	5.09%	5.0	A+
June 30, 2024	$106M	6.75%	5.0	A
March 31, 2024	$107M	6.78%	5.0	A
December 31, 2023	$104M	8.73%	5.0	A
September 30, 2023	$97M	5.59%	5.0	A+
June 30, 2023	$100M	3.23%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Las Colinas Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Las Colinas Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Las Colinas Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Las Colinas Federal Credit Union

Website https://www.lascolinasfcu.com

Address 555 Cimarron Trl, Irving, TX 75063-4538

Phone 214-273-5094

Fax 214-273-7111

President John Chipps

CEO Kevin Scott

Full-Time Employees 24

Part-Time Employees 0

Branch Locations 3

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.4 / 5.0 ★

Overall Health & Safety Grade

B (83/100)

Texas Ratio

22.06%

Return on Assets (ROA)

-2.4345%

Return on Equity (ROE)

-32.2192%

Non-Performing Loans Ratio (NPL)

2.09%

Total Assets

95,495,740

Total Amount of Shares and Deposits

86,501,086

Total Shares and Deposits < 1 Year

85,474,903

Total Shares and Deposits 1 3 Years

898,196

Total Shares and Deposits > 3 Years

127,988

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,830,019

Total Uninsured Shares and Deposits > $250K (F+J)

3,830,019

Total Insured Shares and Deposits > $250K (item 17 less item K)

82,671,067

Total Interest Expense (Sum of items 6 8)

1,687,385

Share Certificates

924

Number of Accounts for Share Drafts

3,844

IRA KEOGH Accounts

156

Number of Accounts for Regular Shares

10,669

Non Member Deposits

Money Market Shares

303

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

762,056

Total Liabilities

88,279,922

Source: NCUA — Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Las Colinas Federal Credit Union

How many branches does Las Colinas Federal Credit Union operate?

Las Colinas Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Las Colinas Federal Credit Union?

Yes, to access services at Las Colinas Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Las Colinas Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Las Colinas Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Las Colinas Federal Credit Union offer online and mobile banking?

Most modern institutions like Las Colinas Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lascolinasfcu.com.