Cal-com Credit Union Victoria TX | Low Mortgage Rates & Auto Loans

Introduction

At Cal-com Federal Credit Union, we believe in building strong relationships with our members and empowering them to achieve their financial goals. Established in 1968, our credit union has been a trusted partner for over 16,000 members in the Victoria, TX area. Conveniently located at 3802 N Navarro St, Victoria, TX 77901, we offer a welcoming environment where you can find reliable banking solutions tailored just for you. While members can visit us at 3802 N Navarro St, official correspondence should be sent to our mailing address: PO BOX 1005, Port Lavaca, TX 77979. Our dedicated team, led by CEO Jessie Rodriguez and Board President John Mageluzzo, is here to ensure that your banking experience is smooth and beneficial. With total assets of $204,041,622 and deposits amounting to $14,314,927, we are committed to providing excellent service while maintaining the security of your funds. Our portfolio includes over 8,180 loans and leases to meet diverse needs from personal loans to auto financing. At Cal-com FCU, we understand that every member is unique. That's why we offer a variety of services including checking and savings accounts, credit cards with rewards, mortgage loans, and business banking solutions. Our aim is not just to serve you but to actively contribute to the community's prosperity. We invite you to join our growing family! Whether you're looking for guidance on loans or simply want more information about our services, feel free to reach out by calling us at 361-572-3369. Explore what we have to offer on our website at calcomfcu.org and discover how we can help you thrive financially!

Branch History & Mission

Community Engagement

Our commitment extends beyond financial services. We actively engage with local organizations and participate in community events to support various initiatives that uplift our neighbors. This connection strengthens our bond with the community and reinforces our belief that together we can achieve more.

Join Us!

As we continue to grow and adapt to meet your needs, we invite you to be part of this journey. Join Cal-com Federal Credit Union today and experience firsthand the benefits of being part of a member-focused financial institution that truly cares about you. Together, let's build a stronger future! For more information or to become a member today, visit Cal-com FCU or call us at 361-572-3369.

Mission Statement

At Cal-com Federal Credit Union, our mission is not just about providing financial services; it's about making a positive impact in the lives of our members and supporting the communities we serve. We believe in empowering individuals through education and access to resources that help them achieve their financial goals. Whether you're looking to buy your first car or save for a home, we're here to guide you every step of the way. While members can visit us at 3802 N Navarro St for all their banking needs, official correspondence should be sent to PO BOX 1005, Port Lavaca, TX 77979 if different from our branch address.

Our Journey

From the beginning, Cal-com was founded on the principles of cooperation and community support. Over the decades, we have seen significant growth and change. Our mission has always been clear: to provide exceptional financial services that improve the lives of our members while fostering a sense of community. Today, we offer a wide range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. We are proud to have achieved many milestones along the way, including expanding our member services and embracing technological advancements. We understand that banking needs are evolving; therefore, we offer features such as online banking, mobile payments, and electronic signatures for convenience and security.

Branch Location & Accessibility

Accessibility Features

At Cal-com, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and ample parking spaces, ensuring everyone can enjoy our services without any hassle. If you're in a hurry or prefer not to enter the building, take advantage of our drive-thru banking service, which allows you to conduct simple transactions from the comfort of your vehicle.

Call to Action

So why wait? Whether you're looking to open a new account or simply want some friendly advice about your financial journey, feel free to give us a call at 361-572-3369 or stop by our branch today. We're excited to serve you at Cal-com Federal Credit Union!

Operating Hours

We understand that life can be busy! That's why our operating hours are designed with your schedule in mind. You can visit us Monday through Wednesday and Friday from 9 AM to 5 PM. On Thursdays, we extend our hours until 5:30 PM for those who need a little extra time. Don't forget about Saturday mornings; we're open from 8:30 AM until noon so you can take care of your banking even on the weekend.

Services Offered

At Cal-com, we offer a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Need cash? We have an ATM available on-site for quick withdrawals and balance checks.

Member Eligibility

At Cal-com, we're excited to welcome you into our close-knit community, where every member is valued and supported. Becoming a member is simple and open to those who live, work, worship, or attend school in the Victoria area. If you meet these criteria, you're already halfway there! You can check all the detailed eligibility requirements at https://www.calcomfcu.org/about/become-a-member.html . Joining us means gaining access to a range of benefits designed to help you thrive financially, from personalized banking services to competitive loan rates. Ready to get started? Opening an account with us is an easy process. Just visit our website for the account opening details at https://onlinebanking.calcomfcu.org/servlet/slogin?requesttype=vhtml&template=/c/enroll/ibenrollment.vm&defaultlanguage=en , or feel free to reach out directly at (361) 572-3369 if you have any questions. We can't wait to welcome you to Cal-com, located at 3802 N Navarro St Victoria Tx 77901, where your financial journey can begin!

Business Banking & Commercial Services

Merchant Services that Empower

But we don't stop at loans. Our merchant services offer practical tools that simplify transactions for your business. Imagine quickly processing payments while keeping track of sales all streamlined to save you time and enhance customer satisfaction. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Victoria, TX. Join us at Cal-com located at 3802 N Navarro St Victoria Tx 77901, and let's work together to achieve your business aspirations! For inquiries, feel free to call us at (361) 572-3369.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. For those outside our membership, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions to meet diverse needs.

Comprehensive List Of Services

ATM and Drive-Thru Services

Our branch also features an ATM and basic drive-thru banking options for deposits, withdrawals, and simple transactions. This ensures that even on busy days, you have quick access to your funds without needing to step inside. At Cal-com Federal Credit Union, we're here to support all your financial needs with warmth and expertise. Whether it's personal or business banking, we strive to deliver personalized solutions that work for you. Ready to take the next step? Visit us at Cal-com Federal Credit Union or call us at 361-572-3369 today!

Business Banking Solutions

For entrepreneurs and small business owners, Cal-com offers robust business banking services. This includes merchant services for easy payment processing and tailored business loans designed to support your growth ambitions.

Credit Cards and Rewards

In today's world, having the right credit card is essential. Our credit cards with rewards allow you to earn points on every purchase, making it easier to treat yourself or save up for something special.

Digital Banking Features

Convenience is key in today's fast-paced life. With our comprehensive online and mobile banking services, managing your accounts has never been easier. You can access your funds anytime through our user-friendly app or website. Features such as mobile payments, e-statements, and person-to-person transfers make banking with us simple and efficient.

Personal Banking Services

We understand that managing personal finances can be challenging. That's why we offer various checking and savings accounts to fit your lifestyle. Whether you need a basic account for everyday transactions or a high-yield savings option to grow your savings, we have you covered. Our members also enjoy competitive rates on auto loans and vehicle financing, helping you get behind the wheel without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options are designed to make your dream of homeownership more accessible. We also provide personal loans and debt consolidation solutions that can help you manage your expenses more effectively.

Digital & Online Banking

Key Features

Our online banking services provide 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with just a few clicks. With features like electronic signature authorization, you can complete transactions securely without needing to visit a branch. Plus, you'll receive e-statements that keep all your financial information organized and easily accessible. For those who prefer mobile banking, our mobile application offers the same robust features right from your smartphone. You can even make mobile payments quickly and safely, giving you flexibility in how you manage your money. Want to send money to friends or family? Our person-to-person transfer option allows you to do so instantly, making it simple to share expenses or pay back a friend.

Security & Ease of Use

We prioritize your security at Cal-com. Our digital banking services include advanced encryption protocols and other safety measures to protect your information. You can rest easy knowing that your data is safe while you enjoy the convenience of real-time account management. With everything from mobile payments to e-statements available at your fingertips, managing your finances has never been easier. Explore the full range of services today by visiting https://www.calcomfcu.org/ and take control of your banking experience with Cal-com!

Financial Strength

Growing Membership Base

Total Share Accounts: 25,499, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cal-com is your trusted partner. Visit us at 3802 N Navarro St Victoria Tx 77901 or call (361) 572-3369 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $69,120,470 in share certificates and $11,599,850 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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 34 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $23,248,565 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,991 in used auto loans and $116,852,787 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Strong Financial Health

With a net worth of $24,413,993, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,195 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 provided $47,641,884 in used vehicle loans and $61,464,691 in new vehicle loans to help our members get on the road. Whether you're eyeing a brand-new model or a reliable used option, our financing solutions can make it happen.

Credit Lines

In addition to our personal loans and credit cards, we provide access to credit lines totaling $6,000,000. These can be an excellent option for those who need ongoing access to funds without having to apply for multiple loans. If you're considering refinancing any existing debts or exploring eligibility options for our various products, don't hesitate to reach out. Our team is dedicated to helping you find the best solution tailored specifically for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore how Cal-com can assist you with your financial needs today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we don't have specific Junior Lien 1-4 Family Residential Properties loans available, but we're here to guide you through other financing options for your home purchase or refinance needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $938,386 in loans helping members manage their finances effectively, our credit cards provide an easy way to cover unexpected expenses or make everyday purchases while earning rewards.

Loan Aggregator

Accurate Loan Comparisons

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 ensures that users receive fair and transparent offers without hidden fees or misleading terms. Each loan comparison is crafted using accurate information straight from legitimate financial institutions.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve the user's best interests. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, helping them make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the value and reliability that LendMesh brings to its users. 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.*

CAL COM FEDERAL CREDIT UNION - Victoria, TX