Credit union · NCUA insured
Unity One Credit Union
Top CarrotA $280.2M credit union headquartered in Fort Worth, TX, with 24,949 members and 7 branches in 3 states. Best rates: CDs 3.80% and savings 1.60% APY.
Unity One Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#18 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Unity One Credit Union
Founded in 1927 in Minnesota by railway clerks with the Great Northern Railroad, Unity One Credit Union is a member-owned cooperative created to provide affordable loans to people of average means.
- Headquarters
- 6701 Burlington Blvd, Fort Worth, TX 76131
- NCUA charter
- 68589
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This may be incomplete or out of date, so check with the credit union before you apply.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 specified counties in Texas and Kansas, or the greater St. Paul, MN community.
Cost to join
- Membership requires opening a savings (share) account with a $5 minimum balance requirement.
Branches
7 branches in 3 states
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Texas
5 branches
- Campus BranchMain office6701 Burlington Blvd, Fort Worth, TX 76131Directions
- North Tarrant Branch4625 N Tarrant Pkwy, Fort Worth, TX 76244Directions
- Northside Branch2625 N Main St, Fort Worth, TX 76164Directions
- Keller Branch891 Keller Pkwy, Ste 100, Keller, TX 76248Directions
- BCTAL Branch7020 Mid Cities Blvd Rm 103, North Richland Hills, TX 76180Directions
Kansas
1 branch
- Kansas City4150 Kansas Ave, Kansas City, KS 66106Directions
Minnesota
1 branch
- Maplewood Branch1535 Beam Ave, Maplewood, MN 55109Directions
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 | 8.39% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.98% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.41% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $62 | $76 | — |
- CapitalNet worth ratio8.39%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.98%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.41%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$62Peers’ 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 Unity One Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.