Time-dependent failure credibility (TDFC) in a given service time of interest can reasonably quantify the safety of the structure with fuzzy inputs. However, the estimation of TDFC requires high computational cost because it involves multi-layer optimization, especially for problems with the implicit performance functions in engineering. In order to improve the efficiency of estimating TDFC under satisfied precision, this paper proposes an efficient dichotomy searching algorithm (DSA) combined with double-loop adaptive Kriging (D-AK) model (shorten as D-AK-DSA). In the proposed D-AK-DSA, a double-loop adaptive Kriging model is constructed to provide the directions for the dichotomy searching TDFC. In the inner loop, the AK model is constructed to surrogate the relation of the performance function and time variable at the given fuzzy input realization so as to obtain the minimum performance function with respect to the time for the outer loop, and in the outer loop, the AK model is constructed to identify the sign of the upper/lower boundary of the minimum performance function with the fuzzy inputs at a given membership interval so as to provide the dichotomy searching direction for TDFC. By the proposed dichotomy searching strategy, accurately solving the values of the upper/lower boundaries in evaluating TDFC is innovatively replaced by identifying the signs of them, which greatly reduces the difficulty of constructing the outer AK model. At the same time, the proposed method enhances the convergence of the outer AK surrogate model by establishing a reasonably improved learning function. Three examples verify the accuracy and efficiency of the proposed D-AK-DSA method.