Austin Telco Credit Union Cedar Park TX | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Austin Telco, your trusted partner in financial services right here in Cedar Park, TX! Established in 1941, our credit union has been dedicated to serving the community with integrity and care for over 80 years. Located at 511 N Bell Blvd, Cedar Park, TX 78613, we pride ourselves on fostering strong relationships with our members and providing them with the tools they need to achieve their financial goals. At Austin Telco, we believe that everyone deserves access to quality banking services. With a membership of 92,839 individuals and total assets exceeding $2.5 billion, we are well-equipped to meet your needs. Our commitment to our members is evident through our robust offerings, which include personal banking accounts, auto loans, mortgages, and business financing options. Under the leadership of CEO Robert Hernandez and Board President David Westlund, our team of 277 employees is here to assist you with personalized service. We understand that each member's financial journey is unique, and we strive to provide tailored solutions that fit your lifestyle. While you can visit us at our branch for your banking needs, please note that official correspondence should be directed to our mailing address at 11149 Research Blvd, Austin, TX 78759. With a solid net worth of $334 million and cash reserves totaling $9.7 million, you can trust that your finances are secure with us. We also offer competitive rates on loans over 54,000 loans have been approved for our members! Whether you're looking for a new checking account or interested in exploring loan options, we're here for you. Feel free to reach out via phone at 512-302-5555 or visit us online at Austin Telco for more information. Join us as we continue to grow together within the Cedar Park community! Your financial well-being is our priority let's take this journey together!

Branch History & Mission

Our Journey

From our humble beginnings, Austin Telco has evolved significantly. Our branch at 511 N Bell Blvd is not just a location; it's a gathering place for community members seeking reliable banking services. Whether you're stopping by to open an account or utilizing our drive-thru services, you'll find friendly faces ready to assist you. Our close-knit team operates with a passion for helping each member achieve their financial goals. As we grew through the decades, we embraced advancements in technology to enhance our services. Today, we offer online and mobile banking options that make managing your finances easier than ever while ensuring that all digital platforms are accessible and compliant with ADA standards. We understand that convenience is key in today's fast-paced world, which is why we also provide ATM access and drive-thru banking for those on the go.

Our Mission

At the heart of Austin Telco's mission is a commitment to serve our members with integrity and respect while contributing positively to the community. We strive to empower individuals and families with the financial tools they need to succeed from checking accounts to auto loans and business financing options. Our goal is not just about numbers; it's about making a meaningful difference in people's lives. We also believe in giving back. Through various outreach programs and partnerships within Cedar Park, we actively contribute to local initiatives that support education, health, and economic development. These efforts reflect our core belief that when our community thrives, we all benefit. While members can visit us at 511 N Bell Blvd Cedar Park TX 78613 for their banking needs, official correspondence should be sent to 11149 Research Blvd, Austin, TX 78759. We invite you to join the Austin Telco family today! Experience firsthand how our dedicated team can help you navigate your financial journey while being part of a supportive community. For more information on membership or to open an account, please call us at 512-302-5555 or visit us online at Austin Telco. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Facilities

At our Cedar Park location, we offer ample parking for our members, ensuring that you can visit us with ease. The branch is fully ADA compliant, featuring ramps and accessible entrances so everyone can enjoy our services comfortably. Whether you're coming in for a quick transaction or need assistance with your accounts, we're here to help.

Get in Touch

We invite you to come by and experience the friendly atmosphere at our Cedar Park branch. If you have any questions or need assistance before your visit, feel free to give us a call at (512) 302-5555. Your financial journey starts here with Austin Telco let's make it a great one together!

Operating Hours

We understand that life can be busy, which is why our lobby hours are designed with your schedule in mind. Join us Monday through Friday from 9:00 AM to 4:00 PM, and don't forget about our Saturday hours from 9:00 AM to 12:00 PM. For those who prefer drive-thru banking, we open as early as 8:30 AM on weekdays and also operate Saturdays until noon.

Services Tailored for You

At Austin Telco, we offer a wide range of services to meet all your banking needs from personal checking and savings accounts to auto loans and mortgages. Our drive-thru service allows you to handle deposits and withdrawals quickly and efficiently. Plus, with ATM access available at the branch, you can manage your cash flow without any hassle. While members can visit us at 511 N Bell Blvd Cedar Park Tx 78613, official correspondence should be sent to 11149 Research Blvd, Austin, TX 78759 if it's different from our main location.

Member Eligibility

At Austin Telco, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is easy and welcoming. If you live, work, or attend school in the areas we serve, you're likely eligible! We pride ourselves on inclusivity, ensuring that our membership reflects the diverse community around us. Joining means you gain access to a range of benefits, from personalized banking services to competitive loan rates designed just for you. To learn more about specific eligibility requirements, feel free to check out this detailed resource: https://www.atfcu.org/about/membership . When you're ready to take the next step towards membership at Austin Telco, opening an account is simple! You can get started online by visiting https://www.atfcu.org/digital-banking/enroll , or if you prefer speaking with someone directly, don't hesitate to call us at (512) 302-5555. We're here to help you every step of the way! Our branch is conveniently located at 511 N Bell Blvd Cedar Park Tx 78613, making it easy for you to connect with us. Join us today and experience the difference of being part of our family!

Business Banking & Commercial Services

Business Loans That Make a Difference

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $152 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $116,847,453, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Tailored for You

Imagine running your daily operations with ease, knowing your payment processes are seamless. Our merchant services enable you to accept payments from customers effortlessly, whether in-store or online. With our solutions, you can focus more on what matters most growing your business. Located conveniently at 511 N Bell Blvd Cedar Park Tx 78613, Cedar Park, TX, we're here to partner with you every step of the way. Reach out today at (512) 302-5555 to learn how we can help your business thrive!

Comprehensive List Of Services

Access When You Need It

We know that sometimes you need cash quickly. That's why we provide ATM services for quick withdrawals and balance checks when you're out and about. If you're visiting us in person, take advantage of our basic drive-thru banking services for deposits, withdrawals, and simple transactions without stepping out of your vehicle. At Austin Telco, we're proud to serve our community with these comprehensive financial solutions tailored just for you. Whether you're managing personal finances or running a business, we're here every step of the way. If you're ready to explore how we can assist you further or have any questions about our offerings, please reach out at (512) 302-5555 or visit us at Cedar Park. We're excited to partner with you on your financial journey!

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we've invested in online and mobile banking, allowing you to manage your finances wherever you are. With just a few clicks or taps, check balances, transfer funds, or pay bills all from the comfort of your home or on-the-go.

Credit Card Benefits

We also offer credit cards with rewards designed to give you more value for everyday purchases. Whether it's cash back on groceries or travel points for your next vacation, our credit cards are there to reward you as you spend.

Home Financing Made Easy

If homeownership is on your radar, look no further than our mortgage loans and refinancing options. We understand that buying a home can be daunting, which is why we strive to simplify the process for you. We will work closely with you to find a loan that suits your budget and helps make your dream home a reality.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that fit your lifestyle. Imagine being able to effortlessly manage your day-to-day expenses while also saving for future goals. Our accounts come with features that help you track spending and grow your savings. When it comes to financing, whether you're eyeing a new car or need funds for unexpected expenses, our auto loans and vehicle financing options make it easy for you. Picture driving off in your dream car without the stress of complicated terms just straightforward support from our team.

Supporting Local Businesses

For entrepreneurs and small business owners, our business banking services, including merchant services and business loans, provide essential support. We know how important it is for local businesses to thrive, so we're here to help you secure the funding needed for growth.

Digital & Online Banking

Always Available Support

Our commitment to serving you doesn't stop when the lobby closes. With 24/7 online banking services, help is always just a click away. You can rest easy knowing that whether it's day or night, we're here to support your financial journey. Experience the modern way of banking with Austin Telco where convenience meets security!

E-Statements and Accessibility

Say goodbye to cluttered mailboxes! We provide e-statements to keep your financial documents organized and accessible whenever you need them. Not only does this save you space, but it also enhances security by reducing the risk of sensitive information being lost or stolen.

Mobile Banking Made Easy

Our mobile application makes banking on the go a breeze. With features like person-to-person transfers, you can send money to friends or family instantly perfect for those shared expenses or last-minute gifts. While mobile payments aren't currently available, our app still empowers you with all the tools needed for effective account management right at your fingertips.

Financial Strength

Commitment to Growth and Innovation

With $319,474,077 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $30,066 in used auto loans and $1,696,182,882 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts stand at 179,655, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $0, we're equipped to assist you every step of the way. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Austin Telco is your trusted partner. Visit us at 511 N Bell Blvd Cedar Park Tx 78613 or call (512) 302-5555 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $564,053,463 in share certificates and $249,972,656 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $248,464,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our performance is reflected in our $12,237,041, which highlights our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 235 full-time employees and 42 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $334,000,581, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,328 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. We have already issued over $461,203,827 in used vehicle loans and $169,485,638 in new vehicle loans, helping our members get on the road with confidence. Whether you're looking for a reliable used car or a brand-new model, we're here to help make the process simple and straightforward.

Business Financing

For business owners, our outstanding commercial loans totaling $116,847,453 provide the capital needed to grow and expand your business. We understand the challenges of running a business and are committed to supporting our local entrepreneurs with financial solutions tailored to their needs. At Austin Telco, we believe in making financing accessible and straightforward. Explore all of our loan products today and take the first step towards achieving your financial aspirations. For performance insights and financial data, visit the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're looking for a new vehicle, buying a home, or managing personal expenses, we are here to support you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $182,725,307, make buying or refinancing simple. We offer competitive rates and flexible terms designed to fit your budget and lifestyle. If you're considering refinancing your existing mortgage, we also provide tailored solutions that can help you save money over time.

Personal Loans and Credit Lines

For those needing extra cash for personal projects or unexpected expenses, our unsecured credit card loans total $7,653,262, providing flexible terms that help manage your finances effectively. Additionally, our total credit lines reach $1,126,024,727, allowing members easy access to funds when they need them most.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in all comparisons. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results that you can trust. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. 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!" This real-world feedback highlights the effectiveness and reliability of the platform. 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.*

AUSTIN TELCO FEDERAL CREDIT UNION