Credit union · NCUA insured
Belton Federal Credit Union
A $4.3M credit union headquartered in Belton, TX, with 803 members and 1 branch in Texas. Best rates: CDs 4.58% and savings 0.25% APY.
Belton Federal Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#6 of 18 in Killeen, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Belton Federal Credit Union
Belton Federal Credit Union is a member-owned credit union headquartered in Belton, Texas.
- Headquarters
- 400 N Wall St, Belton, TX 76513
- NCUA charter
- 15565
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees and retirees of Belton Independent School District are eligible for membership.
- Employees and retirees of University of Mary Hardin Baylor are eligible for membership.
Family and household
- Immediate family members of eligible school district or university employees/retirees, and family members of eligible account holders, are eligible for membership.
Cost to join
- An initial deposit of $25 is required to become a member.
Branches
1 branch in Texas
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Texas
1 branch
- Belton Federal Credit UnionMain office400 N Wall St, Belton, TX 76513Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.27% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 4.41% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -2.32% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $43 | $59 | — |
- CapitalNet worth ratio14.27%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late4.41%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-2.32%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$43Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Belton 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.