Credit union · NCUA insured
Advancial Federal Credit Union
A $2.4B credit union, the 224th largest of 4,329, headquartered in Dallas, TX, with 141,745 members and 15 branches in 5 states. Best rates: CDs 4.87% and savings 0.46% APY.
Advancial Federal Credit Union Carrot Score
75
Carrot Score
Higher than 40% of U.S. banks and credit unions
#72 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Advancial Federal Credit Union
Advancial Federal Credit Union was founded in 1937 in Dallas, Texas, to provide members with a safe and affordable place to keep and borrow money.
- Headquarters
- 10000 N Central Expy Ste 1400, Dallas, TX 75231-2319
- NCUA charter
- 2285
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in served member communities in Louisiana, North Carolina, or South Carolina are eligible for membership.
Employers and groups
- Employees or members of Advancial Select Employer Groups or Associations are eligible for membership.
Family and household
- Immediate family members and household members of individuals eligible through a Select Employer Group or Association are eligible to join.
Cost to join
- Membership requires maintaining a minimum savings balance of $5.
Branches
15 branches in 5 states
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Texas
10 branches
Dallas area · 6
- Advancial Federal Credit UnionMain office10000 N Central Expy Ste 1400, Dallas, TX 75231Directions
- Allen1259 W Exchange Pkwy Ste 100, Allen, TX 75013Directions
- Oak Lawn Dallas3927 Oak Lawn Ave, Dallas, TX 75219Directions
- Frisco Branch6021 Preston Rd, Frisco, TX 75034Directions
- Mesquite2151 N Belt Line Rd, Mesquite, TX 75150Directions
- Richardson710 W Renner Rd, Ste 206, Richardson, TX 75080Directions
Houston area · 4
- River Oaks Houston4411 San Felipe St, Ste 100, Houston, TX 77027Directions
- West Houston845 N Eldridge Pkwy, Houston, TX 77079Directions
- Katy Branch23525 Katy Fwy, Katy, TX 77494Directions
- Woodlands1735 Research Forest Dr, Shenandoah, TX 77380Directions
Louisiana
2 branches
- Lafayette306 E Kaliste Saloom Rd, Lafayette, LA 70508Directions
- South Lafayette6154 Johnston St, Lafayette, LA 70503Directions
Alaska
1 branch
- Midtown Anchorage390 W 36th Ave, Anchorage, AK 99503Directions
North Carolina
1 branch
- South Charlotte7521 Pineville Matthews Rd, Charlotte, NC 28226Directions
Oklahoma
1 branch
- Edmond3416 S Bryant Ave Ste 130, Edmond, OK 73013Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.98% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.33% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.25% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $105 | $88 | — |
- CapitalNet worth ratio7.98%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.33%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$105Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Advancial Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.