Credit union · NCUA insured
NAFT Federal Credit Union
Top CarrotA $152.1M credit union headquartered in Pharr, TX, with 12,072 members and 3 branches in Texas. Best rates: CDs 3.74% and savings 0.50% APY.
NAFT Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 14 in McAllen, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NAFT Federal Credit Union
Established in 1956 as PSJA Federal Credit Union, NAFT Federal Credit Union originally supported employees of the Pharr-San Juan-Alamo Independent School District.
The member-owned credit union rebranded as NAFT Federal Credit Union in 1994, expanding its mission to serve underserved areas in the Rio Grande Valley.
Following approval of its community charter, membership is open to anyone who lives, works, worships, volunteers, or attends school in Hidalgo or Cameron County.
- Headquarters
- 901 N Veterans Blvd, Pharr, TX 78577
- NCUA charter
- 10994
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, volunteers, or attends school in Hidalgo or Cameron County is eligible to join NAFT Federal Credit Union.
Branches
3 branches in Texas
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Texas
3 branches
McAllen area · 2
- Main OfficeMain office901 N Veterans Blvd, Pharr, TX 78577Directions
- NAFT Federal Credit Union SRO4301 N Sugar Rd, Pharr, TX 78577Directions
Brownsville area · 1
- NAFT Federal Credit Union WW134 E Van Buren Ave Ste 102, Harlingen, TX 78550Directions
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 | 16.44% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.50% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.81% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $51 | $76 | — |
- CapitalNet worth ratio16.44%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.50%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.81%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$51Peers’ 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 NAFT 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.