THE LOCAL FEDERAL CREDIT UNION

Welcome to The Local, your trusted financial partner located at 8787 N Stemmons Fwy Ste 185, Dallas, TX 75247. Established in 1977, we have been committed to serving our community with integrity and dedication for over four decades. With a membership base of 4,389 individuals, we pride ourselves on offering personalized banking solutions tailored to meet the unique needs of our members. At The Local, we understand that finances can be challenging, which is why we strive to provide accessible services that empower you. Our total assets stand at an impressive $25,424,592, ensuring that your money is not only safe but also growing. We offer a variety of products including personal banking accounts, auto loans, mortgages, and business services that make managing your finances easier than ever. Our CEO, Jim Ratliff, along with Board President Ralph Compton, leads a dedicated team of 13 employees who are here to assist you every step of the way. Whether you're looking to secure a loan or open a new account, our friendly staff is ready to help you navigate your financial journey. While members can visit us at our branch address above, official correspondence should be sent to our mailing address: P.O. Box 560303, Dallas, TX 75356. We invite you to explore our website at The Local FCU for more information on how we can support your financial goals. Feel free to reach out to us at 214-638-0404 with any questions or stop by during our operating hours from 8:30 AM to 4:30 PM, Monday through Friday. Join us today and experience the difference of being part of a community-focused credit union where your financial well-being is our top priority!

At The Local, we believe that becoming a member means joining a community where you can feel supported and valued. If you're wondering how to take that step, it's easier than you might think! Our membership is open to anyone who lives, works, or worships in our local area. This includes family members of existing members as well, making it simple for your loved ones to join in on the benefits of being part of our credit union family. Plus, with our commitment to providing exceptional service and competitive rates, you'll quickly see the advantages of banking with us. To learn more about the specific eligibility criteria, feel free to check out this detailed resource: Eligibility Details. When you're ready to open an account, the process is straightforward. You can find all the information you need by visiting Account Opening. If you have any questions or need assistance, don't hesitate to give us a call at (214) 638-0404. We can't wait to welcome you to The Local at 8787 N Stemmons Fwy Ste 185 Dallas Tx 75247!

At The Local, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial strength, which reflects our commitment to providing you with reliable banking services. With a net worth of $5,319,895, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,092 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $2,237,558 in share certificates and $355,786 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $5,319,895 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $369 in used auto loans and $22,296,901 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (funds available for lending and investments) stand strong at $614,194. With a total of 9,211 share and deposit accounts, it's clear that our member base trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Local is your trusted partner. Visit us at 8787 N Stemmons Fwy Ste 185 Dallas Tx 75247 or call (214) 638-0404 to learn more about how we can help you achieve your financial goals.

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With LendMesh, you can easily navigate through various loan options tailored to your needs. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that you receive fair and transparent offers. Every rate listed is backed by legitimate financial institutions, providing a layer of trust in your loan comparison journey. One of the standout features of LendMesh is its dedication to verified data. Each loan offer comes from a legitimate source, ensuring full transparency in what you see. Additionally, there are no sponsored listings LendMesh does not prioritize lenders based on paid promotions. This means you get unbiased results that empower you to make informed decisions without any hidden agendas. LendMesh also provides real-time rate comparisons, giving you access to up-to-date loan rates from multiple institutions. This feature helps users quickly identify the best possible offers available at any given moment. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the reliability and effectiveness of this tool in making significant financial decisions easier. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*