Credit union · NCUA insured
Lone Star Credit Union
A $189.9M credit union headquartered in Dallas, TX, with 11,776 members and 4 branches in Texas. Best rates: CDs 3.96% and savings 1.16% APY.
Lone Star Credit Union Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#65 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lone Star Credit Union
Founded in 1967 as Lone Star Gas Employees Federal Credit Union to serve Lone Star Gas Company employees, Lone Star Credit Union is a Texas-based, member-owned financial cooperative.
After operating as Enserch Federal Credit Union, it became Lone Star Credit Union upon receiving a state charter in 2000, now serving members across seven Texas counties.
- Headquarters
- 7508 Ferguson Rd, Dallas, TX 75228
- NCUA charter
- 68449
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school within Collin or Ellis County are eligible for membership.
- Persons who live or work within the Texas counties of Delta, Hopkins, Hunt, Kaufman, Rains, or Rockwall are eligible for membership.
- Persons who live or work within a 10-mile radius of the Dallas branch are eligible for membership.
Employers and groups
- Employees of a business served by Lone Star Credit Union are eligible for membership.
Family and household
- Family members of individuals who are eligible for membership (or members) are eligible to join.
Cost to join
- A $25 opening deposit into a Savings account is required to become a member.
Branches
4 branches in Texas
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Texas
4 branches
- Ferguson RdMain office7508 Ferguson Rd, Dallas, TX 75228Directions
- Greenville2611 Eastland Ave, Greenville, TX 75402Directions
- Kaufman750 E US Highway 175, Kaufman, TX 75142Directions
- Terrell140 9th St, Terrell, TX 75160Directions
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 | 8.93% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.48% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio8.93%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.48%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ 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 Lone Star Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.