Cherokee County Credit Union Rusk TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Cherokee County Federal Credit Union, your trusted partner for financial services in Rusk, Texas. Established in 1960, our credit union has proudly served our community for over six decades, building a strong foundation of trust and reliability. With a total membership of 4,793 members, we are dedicated to supporting your financial goals and helping you achieve your dreams. Located at 144 N Henderson St, Rusk, TX 75785, we provide a range of services designed to meet the diverse needs of our members. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we have you covered. We also offer business banking services to help local entrepreneurs thrive. At Cherokee County Federal Credit Union, we take pride in our solid financial standing. With total assets of $49,705,065 and total deposits reaching $1,992,949, you can trust that your money is safe with us. Our net worth stands at an impressive $11,939,835, ensuring we are well-equipped to serve you now and into the future. Our commitment to community is reflected not only in our services but also through our dedicated team of 17 employees, led by CEO Kim De Leon and Board President James Campbell. Together, we strive to create a welcoming environment where members feel valued and supported. We invite you to visit us at our branch or explore our website at cherokeecountyfcu.com for more information about how we can assist you. Whether you have questions or need assistance with opening an account or applying for a loan, don't hesitate to reach out by calling us at 903-683-2527. Join us today and experience the difference of being part of a credit union that truly cares!

Branch History & Mission

At Cherokee County Federal Credit Union, we take pride in our rich legacy that began in 1960. Since our founding, we have been dedicated to serving the financial needs of our members in Rusk, TX, and surrounding areas. Our branch is located at 144 N Henderson St, a welcoming spot in the heart of the community where we've made lasting connections with our neighbors. Over the years, we've seen remarkable growth. Today, we serve over 4,793 members with total assets of nearly $49.7 million. Our commitment to providing exceptional financial services has allowed us to expand our offerings while maintaining a personal touch that sets us apart from traditional banks. Our mission at Cherokee County Federal Credit Union is simple yet powerful: to enhance the financial well-being of our members and empower them through effective financial solutions. We believe that everyone deserves access to affordable banking options, whether it's for personal banking, auto loans, or mortgages. Our team works tirelessly to ensure that each member feels valued and supported on their financial journey. While you can visit us at our main branch address, official correspondence should be directed to 144 N Henderson St, Rusk, TX 75785. This allows us to streamline communication and continue providing outstanding service. As a forward-thinking credit union, we've embraced digital advancements to better serve you. With online banking and mobile applications available, managing your finances has never been easier. We also prioritize accessibility with ADA-compliant facilities and provide essential services like ATM access and drive-thru banking for your convenience. Community outreach is at the core of what we do. We actively partner with local organizations to support initiatives that strengthen our community's fabric. Whether it's sponsoring events or offering financial education programs, we're committed to making a positive impact. If you're looking for a financial institution that truly cares about its members and community, look no further than Cherokee County Federal Credit Union. Join us today and experience the difference that comes from being part of a member-focused cooperative. Together, we can build a brighter financial future for everyone in Rusk and beyond! For more information or to become a member, please visit our website at Cherokee County Federal Credit Union or call us at 903-683-2527. We're excited to welcome you into our family!

Branch Location & Accessibility

Come Visit Us!

We invite you to visit Cherokee County Federal Credit Union today! Feel free to call us at 903-683-2527 if you have any questions or need assistance before stopping by. We look forward to serving you!

Convenient Access and Features

At Cherokee County Federal Credit Union, we understand that accessibility matters. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone can visit us with ease. Plus, we offer ample parking so you can quickly get in and out without any hassle. While members can visit us at 144 N Henderson St, official correspondence should be sent to the same address as our mailing address is identical.

Operating Hours That Fit Your Schedule

We're here for you during the week! Our operating hours are from 9 AM to 4:30 PM Monday through Friday. This means you have plenty of time to pop in after your morning coffee or during your lunch break for all your banking needs.

Services Tailored Just for You

Cherokee County Federal Credit Union offers a range of services to meet your financial needs. Need cash? We've got an ATM available on-site for quick withdrawals and balance checks. If you prefer face-to-face service, our drive-thru is ready to assist with deposits, withdrawals, and simple transactions without ever leaving your car. Our friendly team is eager to help with personal banking services like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also cater to business banking needs with merchant services and business loans. And don't forget about our convenient online and mobile banking options!

Member Eligibility

At Cherokee County, we believe that becoming a member is like joining a warm, welcoming family where your financial needs come first. If you're interested in joining us, you'll be pleased to know that eligibility is open to those who live, work, worship, or attend school in Cherokee County. This means whether you're a long-time resident or new to the area, there's a place for you here! Membership offers a range of benefits, including access to competitive rates on loans and savings accounts, personalized service, and community-focused initiatives. To find out more about the specific criteria and how easy it is to become part of our community, we encourage you to visit our detailed eligibility page at this link. When you're ready to open an account, the process is straightforward just check out our online application at this site or give us a call at (903) 683-2527. We're located at 144 N Henderson St Rusk Tx 75785, and our team would love to help you get started on your journey with us!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify payment processing. Imagine being able to accept payments seamlessly, whether online or in-person, freeing you to focus on what you do best running your business. Our solutions are designed to streamline transactions so you can serve your customers better. Visit us at 144 N Henderson St Rusk Tx 75785 in Rusk, TX or call us at (903) 683-2527 to learn more about how we can help your business flourish. At Cherokee County Federal Credit Union, your success is our priority!

Supporting Your Growth

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.

Comprehensive List Of Services

Business Banking

For our business members, we offer comprehensive business banking solutions, including merchant services and business loans. We're here to help your business thrive by providing financial products designed specifically for small business owners.

Digital Banking Features

In today's fast-paced world, convenience is key. With our online and mobile banking options, you can manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills from the comfort of your home or on the go. We also provide access to an ATM for cash withdrawals and basic transactions, along with drive-thru services for those who prefer in-person assistance without leaving their vehicle.

Easy Access to Your Money

Whether you're making deposits, withdrawals, or simple transactions, our basic drive-thru banking makes it easy for you to access your money quickly. You can also use our ATMs for balance checks and withdrawals whenever you need cash. At Cherokee County Federal Credit Union, we prioritize providing services that cater to both individual members and businesses in Rusk, TX. Our friendly staff is always ready to assist you with any questions or concerns. If you're ready to explore how we can help with your financial journey or if you'd like more information about opening an account or applying for a loan, don't hesitate to reach out! Call us at 903-683-2527 or visit our website at cherokeecountyfcu.com. Your financial future starts here!

Loans and Credit Options

We understand that life can throw unexpected expenses your way. That's why our personal loans and debt consolidation services are available to help you regain control of your finances. Need a little extra flexibility? Our credit cards with rewards allow you to earn points on every purchase while enjoying benefits like cash back or travel rewards.

Personal Banking

Our personal banking options are crafted to make managing your finances easier. Whether you're looking to open a checking or savings account, we've got you covered with accounts that offer competitive rates and no hidden fees. If you're thinking about getting a new car, consider our auto loans and vehicle financing solutions that help you get behind the wheel without breaking the bank. Additionally, we provide mortgage loans and refinancing options for those ready to buy their dream home or refinance their existing mortgage for better terms.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer money whenever it suits you. Want to send money to a friend or family member? Our person-to-person transfer feature lets you do just that with ease. You can also enjoy the benefit of electronic statements, helping you stay organized and reduce paper clutter. Plus, with our electronic signature authorization, signing documents has never been easier or more secure. For those who prefer using their smartphones, our mobile application puts all these features right at your fingertips. Whether you're at home or on the go, you'll have access to real-time account management. And while mobile payments aren't currently available, you can still enjoy the convenience of managing your finances directly from your device.

Security and Accessibility

At Cherokee County, we prioritize your security. Our online banking platform employs robust security measures to ensure that your information remains safe while you manage your finances digitally. You can bank confidently knowing that we have the latest technology in place to protect your data. In summary, our digital and online banking services are tailored for today's members who seek convenience without compromising on security. Explore all that we offer by visiting https://www.cherokeecountyfcu.com/ today!

Financial Strength

Commitment to Growth and Innovation

With $11,841,119 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $31,879,432 in total loans and leases supports members' financial goals across various sectors.

Growing Membership Base

Total Share Accounts stand at 7,521, showcasing a strong and growing member base that trusts us with their finances. We are dedicated to maintaining this trust by being transparent about our operations and focusing on your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cherokee County is your trusted partner. Visit us at 144 N Henderson St Rusk Tx 75785 or call 903-683-2527 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $15,460,857 in share certificates, 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 operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 16 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundations

With a net worth of $11,939,835, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 23.97% 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 $18,924,862 in used vehicle loans and $10,185,609 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options that fit your budget and lifestyle.

Mortgage Loans

Thinking about homeownership? While we currently do not offer Junior Lien 1-4 Family Residential Property loans, our team can guide you through other financing options and refinancing opportunities that may suit your needs. We believe that buying or refinancing should be straightforward and accessible.

Personal Loans and Credit Lines

In addition to auto and credit card loans, we offer personal loans to assist with debt consolidation or unexpected expenses. Our total credit lines amount to $2,000,000, providing ample opportunity for those who need quick access to funds. If you're interested in any of our loan products or want to learn more about refinancing options, please feel free to reach out to us at 903-683-2527. Our knowledgeable staff is ready to assist you during our operating hours from 9 AM to 4:30 PM Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to explore how our lending solutions can support your financial journey today!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $442,697 in loans available, these cards help our members manage their finances effectively while enjoying various benefits and rewards.

Loan Aggregator

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CHEROKEE COUNTY FEDERAL CREDIT UNION - Rusk, TX

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