Credit union · NCUA insured
The People's Federal Credit Union
Top CarrotA $224.7M credit union headquartered in Amarillo, TX, with 18,741 members and 5 branches in Texas. Best rates: CDs 3.50% and savings 0.35% APY.
The People's Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#1 of 16 in Amarillo, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About The People's Federal Credit Union
The People's Federal Credit Union is a member-owned credit union federally chartered on January 12, 1953, as the Amarillo Pantex Credit Union.
After opening its initial branch at the Pantex plant and expanding to Amarillo in 1973, it now operates five branches across Amarillo, Canyon, and Childress, Texas.
- Headquarters
- 7200 Hillside Rd, Amarillo, TX 79109-7460
- NCUA charter
- 8290
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This may be incomplete or out of date, so check with the credit union before you apply.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, or worship in Canyon, Childress, Hereford, parts of Amarillo, or Deaf Smith County, Texas are eligible for membership.
Employers and groups
- Individuals who work for or have retired from a company served by TPFCU are eligible for membership.
Family and household
- Individuals who have a family member who is already a TPFCU member are eligible for membership.
Cost to join
- A required $25 initial deposit into a Membership Savings Account is needed to establish membership.
Branches
5 branches in Texas
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Texas
5 branches
Amarillo area · 4
- HillMain office7200 Hillside Rd, Amarillo, TX 79109Directions
- pcos3601 SW 15th Ave, Amarillo, TX 79102Directions
- plntFM 2373 US Hwy 60, Amarillo, TX 79120Directions
- cnyn120 Hunsley Rd, Canyon, TX 79015Directions
Childress area · 1
- chld423 N Main St, Childress, TX 79201Directions
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 | 9.06% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.15% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.53% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio9.06%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.15%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.53%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ 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 The People's 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.