1st Community Crane TX Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to 1st Community, your trusted financial partner located at 501 S Alford St, Crane, TX 79731. Since our establishment in 1953, we've been dedicated to serving our members and the community with a range of financial services designed to meet your needs. With over 23,643 members and total assets of $397,116,654, we pride ourselves on our commitment to member satisfaction and community engagement. At 1st Community, we believe in putting people first. Our team of 106 employees, led by CEO Bill Nikolauk and Board President Robert Brewer, is here to provide you with personalized service every step of the way. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, we have a solution tailored just for you. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 501 S Alford St, Crane, TX 79731-2500. Our financial strength is evident with total deposits of $27,227,279 and a net worth of $52,692,353. We also take pride in offering a variety of loan options with a total of 13,847 loans and leases available to our members. And with cash in hand amounting to $3,554,359, we are well-equipped to support your financial goals. We invite you to explore our services further by visiting our website at 1cfcu.org or calling us at (432) 558-7191. Join us today and experience the difference that a community-focused credit union can make!

Branch History & Mission

Welcome to 1st Community, a credit union with deep roots and a strong commitment to the Crane community. Founded in 1953, we have been dedicated to serving our members for over 70 years. Located at 501 S Alford St, Crane, TX 79731, our branch is situated in a friendly neighborhood, making it easy for you to access our services. From our humble beginnings, we've grown significantly and now proudly serve over 23,000 members. Our total assets have reached an impressive $397116654, reflecting our commitment to financial stability and member support. We believe that everyone deserves access to quality financial services, and our mission is centered on providing just that. At 1st Community, we understand that banking is not just about numbers; it's about people. Our mission is to enhance the financial well-being of our members while fostering a sense of community. We strive to offer personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. But beyond these services, we are committed to supporting local initiatives and partnerships that uplift our community. While members can visit us at 501 S Alford St Crane Tx 79731, official correspondence should be sent to 501 S Alford St, Crane, TX 79731-2500. Our operating hours are convenient for you: Monday through Friday from 9 AM to 5 PM for lobby services and until 6 PM for drive-thru banking. We also provide ATM services for easy access to your funds whenever you need them. Our branch is proud of its customer-centric approach. With features like mobile banking and online services, we ensure that managing your finances is simple and efficient. We're also dedicated to being ADA compliant, so all members can comfortably access our facilities. As we look back on our history, we celebrate milestones that remind us of our purpose: being a pillar of support in the Crane community. Each year, we engage in outreach efforts designed to give back whether it's through financial literacy programs or local sponsorships. Join us at 1st Community and experience the difference of being part of a credit union that truly cares about your financial success and well-being. Together, let's build a brighter future! For more information or to open an account today, please visit our website or call us at (432) 558-7191.

Branch Location & Accessibility

Call to Action

We invite you to drop by for a friendly chat or call us at 432-558-7191 if you have any questions about our services. At 1st Community, we're here to support you every step of the way in your financial journey!

Nearby Landmarks and Accessibility Features

As you make your way to us, you'll find that we're conveniently situated close to several local landmarks. Whether you're coming from the bustling downtown area or nearby neighborhoods, our location is designed with accessibility in mind. With ADA-compliant features, including ramps and ample parking, we ensure that everyone can visit us comfortably.

Operating Hours and Services

At 1st Community, we value your time. Our lobby hours are open Monday through Friday from 9 AM to 5 PM, while our drive-thru service extends until 6 PM on weekdays for those who prefer a quick stop. We offer a variety of services tailored to meet your banking needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it.

Member Eligibility

At 1st Community, we believe that everyone deserves the chance to be part of a caring and supportive financial community. Joining us is easy! If you live, work, worship, or attend school in Crane or the surrounding areas, you're already eligible to become a member. We welcome individuals from all walks of life, and our aim is to provide you with personalized services that make banking not just simple but also rewarding. As a member, you'll enjoy benefits like competitive loan rates, no monthly fees on checking accounts, and access to exclusive financial education resources. Ready to take the next step? You can find more detailed eligibility criteria by visiting http://www.1cfcu.org/membership-2/. When you're ready to open an account, the process is straightforward just head over to https://apply.1cfcu.org/ or give us a call at (432) 558-7191 for any questions. We're excited to help you start your journey with us at 1st Community, located at 501 S Alford St Crane Tx 79731!

Business Banking & Commercial Services

Financing Options That Support Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $88 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $38,303,407, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to our loan options, we provide robust merchant services that simplify transactions for your business. From accepting credit cards to streamlining payments, our tools help you serve your customers better and manage your cash flow efficiently. Imagine a day where managing payments is as easy as a few clicks our services make that possible. Located at 501 S Alford St Crane Tx 79731 in Crane, TX, we're here to be your trusted partner in success. Reach out today at (432) 558-7191 and let's take your business to the next level!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans offer competitive rates and flexible terms that can make the process smoother. Whether you're buying new or used, we're here to help you navigate through vehicle financing so you can hit the road in style without breaking the bank.

Business Banking

For entrepreneurs and business owners in Crane, our business banking services include merchant services and business loans. We're committed to helping local businesses thrive by offering tailored solutions that suit their specific needs.

Convenient Services

Our branch provides essential services such as ATM access for cash withdrawals and balance checks, along with basic drive-thru banking for deposits, withdrawals, and simple transactions. This ensures that your banking experience remains efficient and stress-free. In today's fast-paced world, having reliable access to your finances is crucial. With our commitment to digital banking features and ease of access, 1st Community stands ready to serve all your financial needs. For any questions or assistance, feel free to reach out at 432-558-7191. We invite you to become part of our community today! Visit us at 1cfcu.org or stop by our branch in Crane. Let's achieve great things together!

Credit Cards with Rewards

Make every purchase count with our credit cards that come with rewards! Enjoy benefits such as cashback or points redeemable for exciting offers while managing everyday expenses conveniently.

Mortgage Loans & Refinancing

Owning a home is one of life's biggest milestones. At 1st Community, we offer mortgage loans and refinancing options that cater to various budgets and needs. We'll work with you every step of the way to ensure that your path to homeownership is as straightforward as possible.

Personal Banking

Our personal banking services start with checking and savings accounts designed to fit your lifestyle. Need to make purchases on-the-go? Our mobile banking options allow you to manage your accounts right from your smartphone. With features like online banking and mobile payments, accessing your funds has never been easier. You can also set up e-statements for quick access to your account information.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the support you need. We understand how overwhelming financial obligations can be, so our team is ready to assist you in finding the best solution tailored just for you.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking platform available at https://1cfcu.org/, members can enjoy 24/7 access to their accounts. This means you can check balances, pay bills, and transfer funds whenever it suits you. Our mobile application makes it even easier to bank on the go, allowing you to manage your finances right from your smartphone. Plus, our electronic signature authorization feature lets you sign documents digitally, making the process quicker and more efficient. We also provide e-statements for those who prefer a paperless option. This not only helps you keep track of your finances but also contributes to a more sustainable environment. You can receive notifications directly to your email about new statements, ensuring you're always up-to-date without the clutter of physical mail. For added convenience, we offer person-to-person transfers, allowing you to send money to friends or family instantly. Need to split a bill or repay a friend? It's all handled within our secure platform. And if you're looking for easy mobile payments, our system supports this feature too so you can make purchases right from your device without hassle. Security is paramount at 1st Community. We utilize advanced encryption and security measures to ensure that your personal information remains safe while using our online services. With user-friendly interfaces and quick navigation options, managing your account has never been easier. In summary, whether you're checking balances late at night or sending money on the weekend, our digital banking services at 1st Community are designed with your needs in mind. Experience the freedom of banking anytime, anywhere!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 44,729, showing a strong and growing member base that trusts us with their finances. With $8,719,409 available for lending and investments, we're well-prepared to assist you with your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Community is your trusted partner. Visit us at 501 S Alford St Crane Tx 79731 or call (432) 558-7191 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors. We have $3,255 in used auto loans and $277,903,375 in total loans and leases available. This breadth of lending ensures that whether you're buying a car or consolidating debt, we're here to help.

Member-Centric Savings

Members' savings are secured through $85,906,587 in share certificates and $18,526,169 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.

Operational Efficiency

Our $3,502,325 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This success stems from a dedicated team of 91 full-time employees and 15 part-time employees who are always ready to serve you with knowledge and commitment.

Reinvestment for Growth

With $36,805,586 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to growth means more opportunities for you as a member.

Strong Financial Health

With a net worth of $52,692,353, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,320 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $70,164,585 in used vehicle loans and $79,034,848 in new vehicle loans already helping members get on the road. We have options for both new and used vehicles, ensuring that you can drive away with a car that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $38,303,407 provide the capital needed to grow and expand your operations. We understand the importance of having access to funds when opportunities arise and are here to support your business ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,053,900, make buying or refinancing simple. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is ready to assist you in navigating the process smoothly.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, our team can help you explore eligibility options that could lower your monthly payments or reduce your interest rate. At 1st Community in Crane, TX (501 S Alford St), we are dedicated to providing personalized service tailored to your financial situation. Feel free to reach out at (432) 558-7191 for any questions or assistance with our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial goals matter to us let's work together to achieve them!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,646,620 in loans helping members manage their finances effectively. This option provides an excellent way to handle unexpected expenses while enjoying the benefits of rewards programs that can help you save even more.

Loan Aggregator

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. This transparency helps borrowers make informed decisions without feeling lost in a sea of options. LendMesh ensures accurate loan comparisons by sourcing data 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 to regulatory compliance guarantees that users receive fair and transparent offers tailored to their needs. One significant advantage of using LendMesh is its emphasis on verified data. All loan offers are sourced from legitimate financial institutions, which means users can trust the information presented to them. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the platform's goal is to provide unbiased results that reflect the true market landscape. Another benefit is the real-time rate comparisons available on LendMesh. Users can access up-to-date loan rates from multiple institutions quickly, empowering them to make well-informed decisions about their borrowing options. Thousands of users trust LendMesh for 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 platform's effectiveness and reliability. For those looking to compare real-time loan offers, visit LendMesh today and discover 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.*

1St Community