Chemcel Credit Union Corpus Christi TX | Quick Personal Loans & ATM Services

Introduction

Welcome to Chemcel, your trusted financial partner in Corpus Christi, Texas! Located at 7001 Saratoga Blvd, Corpus Christi, TX 78414, we have been serving our community since 1951. With a strong commitment to our members, we take pride in providing personalized banking services tailored to your needs. Whether you're looking for auto loans, savings accounts, or business financing options, we're here to help you achieve your financial goals. At Chemcel, we understand the importance of building lasting relationships with our members. Our dedicated team of 35 employees, led by CEO Michael Engel and Board President Ken May, is always ready to assist you with friendly service and expert guidance. We currently serve over 9,400 members, managing total assets of $159,917,322 and total deposits of $23,746,314. With a focus on community impact and member satisfaction, we offer a range of services including personal banking, mortgage loans, credit cards with rewards, and online banking solutions. Our commitment to excellence is reflected in our solid net worth of $20,084,949 and cash in hand totaling $1,664,088. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 7001 Saratoga Blvd, Corpus Christi, TX 78414-3913. We invite you to explore how Chemcel can make a difference in your financial journey. Feel free to reach out to us at (361) 991-9730 for any inquiries or visit our website at chemcel.org for more information. Join us today and experience the benefits of being a valued member of Chemcel!

Branch History & Mission

At Chemcel, we proudly celebrate a legacy of service and community since our founding in 1951. Nestled in the heart of Corpus Christi, Texas, our branch at 7001 Saratoga Blvd has become a cornerstone for individuals and families seeking reliable financial support. Over the years, we have grown to serve a vibrant membership base of over 9,400 members, which reflects our commitment to the community and its financial well-being. Our mission is clear: to empower our members by providing accessible and personalized financial services while fostering a strong sense of community. We strive to create an environment where everyone feels valued and supported. Whether you're opening your first savings account, financing a new vehicle, or planning for your future with our mortgage options, Chemcel is here to help you every step of the way. In addition to our core offerings like checking and savings accounts, auto loans, personal loans, and credit cards with rewards, we also embrace modern banking conveniences. Our branch features online banking services, mobile app access, and ATM availability for easy transactions. With a drive-thru option for quick deposits and withdrawals, we ensure that banking with us fits seamlessly into your busy life. While members can visit us at 7001 Saratoga Blvd in Corpus Christi, official correspondence should be sent to our mailing address at 7001 Saratoga Blvd, Corpus Christi, TX 78414-3913. Our dedicated team is available during lobby hours from 8:30 am to 4:30 pm on weekdays to assist you with any inquiries or needs. As part of our commitment to accessibility and inclusivity, we work hard to ensure that all members can easily navigate our services. Our partnerships with local organizations allow us to extend our outreach further into the community. By participating in various events and initiatives throughout Nueces County, we aim to uplift those around us and contribute positively to their lives. We invite you to join Chemcel and experience firsthand the benefits of being part of a credit union that truly cares about its members. Together, let's build a brighter financial future for you and your family. Visit us today or learn more about becoming a member at Chemcel's website. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Convenient Access

At Chemcel, we understand the importance of accessibility. Our branch features parking options right outside the door, ensuring easy access for everyone. We are committed to providing an inclusive environment with ADA-compliant features that help everyone navigate our space comfortably.

Drive-Thru Banking

For added convenience, we also offer drive-thru banking services. Whether you need to make deposits or conduct simple transactions without leaving your car, our drive-thru is here for you. While members can visit us at 7001 Saratoga Blvd for all their banking needs, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 361-991-9730. Our friendly team is eager to help you with personal banking services like checking and savings accounts, auto loans, mortgage refinancing, and much more! We look forward to welcoming you at Chemcel where we put our members first!

Operating Hours

Our lobby hours are designed with your busy schedule in mind. We're open Monday through Friday from 8:30 am to 4:30 pm, giving you plenty of time to visit us after work or during your lunch break. If you prefer to bank on the go, our ATM is available for cash withdrawals and balance checks whenever you need it.

Member Eligibility

At Chemcel, we believe that everyone deserves a place in our community. If you're looking to join us at our welcoming branch located at 7001 Saratoga Blvd Corpus Christi Tx 78414, you'll be pleased to know that becoming a member is easier than you might think! Our eligibility criteria are designed to include individuals who live, work, worship, or attend school in the areas we serve. Whether you're a first-time account holder or someone looking for a friendly financial partner, we invite you to explore how you can benefit from our services. Joining means accessing a range of products tailored just for you, including checking and savings accounts, auto loans, and credit cards with rewards. Plus, as a member, you'll enjoy personalized service from our dedicated team. To learn more about what it takes to become part of the Chemcel family, please check out the detailed information available at https://www.chemcel.org/benefits-resources/benefits-of-membership . And if you're ready to open an account or have questions, don't hesitate to give us a call at (361) 991-9730. We're excited to welcome you!

Business Banking & Commercial Services

Commercial 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

When it comes to everyday transactions, our merchant services streamline payment processes for you. Imagine a busy Saturday at your local café; with our reliable payment processing, your customers can enjoy quick and easy checkout experiences. This not only enhances customer satisfaction but also helps keep your cash flow steady. Whether you're just starting out or looking to expand, Chemcel is here to be your partner every step of the way. Reach us at (361) 991-9730 to learn more about how we can support your business banking needs!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? With our ATM and cash withdrawal services, accessing your funds is simple and straightforward. We also provide basic drive-thru banking for deposits, withdrawals, and other simple transactions perfect for those on the go. At Chemcel, we prioritize making banking accessible and straightforward for everyone. If you have questions or want to learn more about how our services can benefit you, don't hesitate to reach out! Call us at 361-991-9730 or visit our website at www.chemcel.org. We're excited to serve you!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing are not only competitive but also flexible, ensuring that you can find the perfect fit for your budget. Imagine driving off in your new vehicle with a loan that suits your financial situation perfectly.

Business Banking Solutions

For our entrepreneurial members, we provide robust business banking services, including merchant services and business loans. We know how vital it is for small businesses to have reliable financial support, and we're committed to helping you thrive.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer online and mobile banking services that allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds, everything is just a few clicks away.

Mortgage Loans & Refinancing

Homeownership is within reach with our comprehensive mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance your existing mortgage for better rates, Chemcel is here to guide you through the process smoothly.

Personal Banking Services

We understand that managing your finances can be overwhelming at times. That's why we offer checking and savings accounts designed to fit various lifestyles and financial goals. Need funds for an unexpected expense? Our personal loans and debt consolidation options make it easy to get back on track without the stress. Plus, our credit cards with rewards give you the chance to earn while you spend!

Digital & Online Banking

Key Features

Our online banking system provides real-time account management so you can check balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the convenience of e-statements, making it simple to keep track of your finances without the clutter of paper statements. Plus, if you ever need to send money quickly to friends or family, our person-to-person transfer feature makes it a breeze.

Mobile Accessibility

For those who prefer banking on their smartphones, our mobile application is ready for download. With it, you can manage your accounts right from your pocket! Though we currently don't offer mobile payment options, our app ensures you have all the essential banking features at your fingertips.

Security and Convenience

Your security is our priority. While we don't provide electronic signature authorization at this moment, rest assured that all transactions made through our online services are protected by advanced security measures. We strive to create a user-friendly experience that gives you peace of mind while managing your financial needs. In summary, Chemcel offers comprehensive digital and online banking services that put control back in your hands. Explore everything we have to offer today at https://www.chemcel.org/ !

Financial Strength

Commitment to Growth

With $18,733,503 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is impressive as well supporting your financial goals across various sectors with $1,608 in used auto loans and a total of $98,361,582 in loans and leases.

Member-Focused Savings

Members' savings are secured through $52,080,374 in share certificates and $10,693,289 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This focus means that while we have $0 in non-member deposits, our primary goal is to benefit you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is evident through our $1,030,681, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 32 full-time employees and 3 part-time employees who are always ready to assist you with knowledgeable support.

Strong Financial Health

With a net worth of $20,084,949, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,253 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Total Share Accounts at 19,134 illustrate a strong and growing member base that trusts us with their finances. We understand the importance of being reliable partners in your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Chemcel is your trusted partner. Visit us at 7001 Saratoga Blvd Corpus Christi Tx 78414 or call (361) 991-9730 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued $40,673,610 in used vehicle loans and $33,297,143 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable used car, we're here to assist you every step of the way. Plus, if you're considering refinancing your existing auto loan, we offer flexible options that might be beneficial.

Credit Lines and Other Options

In addition to these offerings, we also provide substantial credit lines totaling $12,000,000, which can give you added financial flexibility when unexpected expenses arise or when you're planning a significant purchase. Our commitment is not just to provide loans but to help you make informed decisions about your financial future. To learn more about eligibility or how to apply for any of these products, feel free to reach out at (361) 991-9730 during our operating hours from 8:30 am to 4:30 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Chemcel Credit Union, we're here to support your journey toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $893,576, making buying or refinancing simple. We work closely with you to ensure that you understand all your options and help you navigate through the process smoothly.

Unsecured Credit Card Loans

Managing day-to-day expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $7,655,232 in unsecured credit card loans helping members manage their finances effectively, you'll find that our credit cards come with features tailored to fit various spending habits.

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Real-Time Rate Comparisons

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CHEMCEL FEDERAL CREDIT UNION - Corpus Christi, TX