Credit union · NCUA insured
City Credit Union
A $630.5M credit union headquartered in Dallas, TX, with 33,792 members and 5 branches in Texas. Best rates: CDs 3.60% and savings 1.45% APY.
City Credit Union Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#51 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About City Credit Union
Founded in 1942 as a member-owned cooperative, City Credit Union serves individuals who live, work, worship, or attend school across 13 North Texas counties.
Headquartered and operating five branches in North Texas, the institution proudly serves the Dallas-Fort Worth-Arlington metro area.
- Headquarters
- 8344 E R L Thornton Fwy Ste 400, Dallas, TX 75228
- NCUA charter
- 67669
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, worship, or attend school in Dallas, Collin, Denton, Tarrant, Rockwall, Kaufman, Ellis, Grayson, Cooke, Hunt, Parker, Wise, and Johnson counties in Texas.
Employers and groups
- Membership is open to individuals who work for or belong to one of City CU's Select Employer Groups (SEG).
Family and household
- Membership is open to individuals who have a family member who is a City CU member.
Branches
5 branches in Texas
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Texas
5 branches
Dallas area · 3
- East Dallas Branch8344 E R L Thornton Fwy Ste 120, Dallas, TX 75228Directions
- Duncanville506 E Highway 67, Duncanville, TX 75137Directions
- Waxahachie1625 N Highway 77, Waxahachie, TX 75165Directions
Gainesville area · 1
- Gainesville406 N Grand Ave, Suite 101, Gainesville, TX 76240Directions
Sherman area · 1
- Sherman401 W Wilson Ave, Sherman, TX 75090Directions
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 | 12.27% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.23% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.10% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $56 | $76 | — |
- CapitalNet worth ratio12.27%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.23%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.10%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$56Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 City Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.