Chocolate Bayou Community Credit Union Manvel TX | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Chocolate Bayou Community, your trusted financial partner located at 19601 Highway 6, Manvel, TX 77578. Since our establishment in 1962, we have been dedicated to serving our community with a commitment to member satisfaction and financial wellness. With over 12,000 members, we are proud to offer personalized services designed to meet the unique needs of individuals and families alike. At Chocolate Bayou Community, we understand that managing your finances is crucial. That's why we have grown our total assets to an impressive $149,807,640, ensuring that we can provide you with the resources you need. Our financial strength is reflected in our total deposits of $7,969,900 and a solid net worth of $18,694,484. We're here to support you with a range of services including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our CEO, Gary Angeles, along with Board President Tommy King, leads a dedicated team of 48 employees who are committed to helping you achieve your financial goals. Whether you're looking for a loan or need assistance managing your accounts, we're just a call away at 281-331-2253. While members can visit us at our branch for personal banking needs on school days during lobby hours from 8:00 a.m. to 1:00 p.m., official correspondence should be sent to our mailing address: P.O. Box 1694, Alvin, TX 77512-1694. Join us today and discover how Chocolate Bayou Community can help you navigate your financial journey. Visit our website at chocolatebayou.org for more information on membership eligibility and services available. We look forward to welcoming you!

Branch History & Mission

Chocolate Bayou Community has a proud history of serving the residents of Manvel, Texas, since it opened its doors in 1962. Over the decades, we have grown alongside our community, evolving from a small local credit union into a trusted financial institution with over 12,000 members and total assets of $149,807,640. Our branch is located at 19601 Highway 6 in Manvel, a convenient spot for students and staff at nearby Manvel High School. Our mission is simple yet powerful: to provide exceptional financial services while supporting our community. We believe that everyone deserves access to quality banking solutions that enhance their financial well-being. From personal banking products like checking and savings accounts to auto loans and credit cards, we strive to meet the diverse needs of our members. At Chocolate Bayou Community, we are committed to making banking easier and more accessible. Our digital advancements ensure that members can manage their finances anytime, anywhere through online and mobile banking. We also offer an ATM on-site for added convenience. While our drive-thru service is currently not available, our lobby hours are designed to accommodate the schedules of students and staff at the high school: open on Tuesdays and Thursdays from 8:00 a.m. to 1:00 p.m. We understand that a strong community thrives on partnerships and outreach efforts. Over the years, we have collaborated with local organizations to promote financial literacy and support various initiatives aimed at enhancing the quality of life in Manvel. While you can visit us at 19601 Highway 6 Manvel Tx 77578, official correspondence should be directed to P.O. Box 1694, Alvin, TX 77512-1694 if needed. If you're looking for a credit union that prioritizes your needs while fostering community spirit, look no further than Chocolate Bayou Community. Join us today and experience the difference! Call us at (281) 331-2253 or visit our website at Chocolate Bayou Community for more information on how you can become part of our family.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring that everyone can navigate their way to their banking needs without hassle. Ample parking is available nearby, making your visit even easier.

Call to Action

We invite you to stop by our branch today! If you have any questions or need assistance before visiting, don't hesitate to give us a call at 281-331-2253. Our friendly team is here to help you make the most of your banking experience!

Operating Hours

Our lobby is open on school days only, from 8:00 a.m. to 1:00 p.m. on Tuesdays and Thursdays. We understand that timing can be crucial for students and staff alike, so we strive to offer convenient hours that fit into your busy schedules.

Services Offered

At Chocolate Bayou Community, we offer a range of personal banking services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we've got your financial journey covered. Additionally, you'll find ATM services readily available, allowing for easy cash withdrawals and balance checks right when you need them.

Member Eligibility

At Chocolate Bayou Community, we believe in creating a welcoming community where everyone can thrive. If you're looking to join us, becoming a member is simple and inclusive! We invite anyone who lives, works, or attends school in the local area to apply. This means that if you're part of our vibrant community at Manvel High School or the surrounding neighborhoods, you're already eligible! Joining us not only gives you access to a range of financial services tailored for your needs, but it also connects you with a supportive network dedicated to helping you achieve your financial goals. Ready to take the next step? Opening an account is straightforward! You can find all the details about how to get started by visiting our website at http://www.chocolatebayou.org/loan-application. If you have any questions or need assistance, feel free to reach out at (281) 331-2253. For more information on eligibility criteria, check out this link: http://www.chocolatebayou.org/membership-for-businesses. We look forward to welcoming you into our family at Chocolate Bayou Community, located at 19601 Highway 6 Manvel Tx 77578!

Business Banking & Commercial Services

Commercial Loans for 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. Additionally, we provide $0 in non-member commercial loans, offering flexible financing options to the broader community. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Matter

We also offer comprehensive merchant services that make everyday transactions easier for you. Imagine having a reliable partner that provides you with tools to accept payments effortlessly whether online or in-person. This allows you to focus on what you do best: running your business and serving your customers. Join us at Chocolate Bayou Community, located at 19601 Highway 6 Manvel Tx 77578 in Manvel, TX, and explore how we can help elevate your business today! For more information, give us a call at (281) 331-2253 or visit our website at Chocolate Bayou Community.

Comprehensive List Of Services

Borrowing Solutions

Life can throw unexpected expenses your way. That's why we provide Personal Loans & Debt Consolidation options to help you manage your finances effectively. Additionally, our credit cards come with rewards that give back every time you spend. This is an excellent way for our members to earn benefits while managing their purchases.

Business Banking

For our local entrepreneurs, we understand the unique challenges of running a business. That's why we offer Business Banking services which include merchant services and business loans tailored to meet the specific needs of small businesses in the area.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features ensure that you can manage your accounts from anywhere at any time. Whether you're checking your balance or transferring funds, our secure platform makes banking easy and accessible. You can also use our ATM services for cash withdrawals and balance checks without hassle.

Personal Banking

Navigating personal finance is easier with our Personal Banking options. We offer checking and savings accounts designed for everyday needs, making it simple to manage your money. If you're looking to purchase a vehicle, our Auto Loans & Vehicle Financing solutions make buying or refinancing a car straightforward and affordable. For those considering home ownership or looking to refinance, our Mortgage Loans & Refinancing services can guide you through the process with competitive rates.

Your Financial Partner

At Chocolate Bayou Community, we are more than just a financial institution; we are your partners in achieving financial well-being. Each service is designed with you in mind whether it's helping you save for a big purchase or providing guidance on how to consolidate debt effectively. If you're ready to explore what we can do for you, feel free to reach out! Call us at 281-331-2253 or visit our website at chocolatebayou.org for more information on how to get started today! We look forward to serving you!

Digital & Online Banking

At Chocolate Bayou Community, we understand that convenience and security are key to managing your finances in today's fast-paced world. That's why we offer a robust suite of digital and online banking services designed to make your life easier, all while ensuring your information is safe and sound. With our 24/7 online banking services, you can access your accounts anytime, anywhere. Whether you need to check your balance, pay bills, or transfer money between accounts, you can do it all from the comfort of your home or on the go. Just visit us at https://www.chocolatebayou.org/ to get started. Our mobile application takes your banking experience even further. With just a few taps, you can manage your finances right from your smartphone. Enjoy features like person-to-person transfers, allowing you to easily send money to friends or family without hassle. Plus, if you're always on the move, our mobile payments feature lets you pay for purchases with just a swipe. For those who prefer paperless options, we provide electronic signature authorization and e-statements for quick and easy document handling. You'll appreciate how these features simplify transactions and help keep everything organized. Your security is our priority at Chocolate Bayou Community. We've implemented top-notch measures to protect your data while providing an intuitive and user-friendly experience. You can bank with peace of mind knowing that our systems are designed with your safety in mind. Join us at Chocolate Bayou Community where banking meets innovation. Experience how our digital and online banking services empower you to take control of your financial journey effortlessly!

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Chocolate Bayou Community is your trusted partner. Visit us at 19601 Highway 6 Manvel Tx 77578 or call 281-331-2253 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Key Financial Highlights

With a net worth of $18,694,484, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.48% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $7,124,081 in share certificates and $3,430,916 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. We also have $18,694,484 in undivided earnings, which means we reinvest in innovative banking tools and stronger lending options to serve our members better. With $31,113,832 in used auto loans and a total of $86,027,312 in loans and leases available for our members' needs, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our current 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 46 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. As of now, we have a total of 24,069 share accounts, showing a strong and growing member base that trusts us with their finances.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $31,113,832 in used vehicle loans and $12,105,969 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, ensuring that you find an option that fits your budget.

Business Loans

While we currently do not have outstanding commercial loans available at this time, our commitment to supporting local businesses remains strong. We encourage business owners to check back for future opportunities as we expand our offerings. At Chocolate Bayou Community in Manvel, TX (19601 Highway 6), we're dedicated to providing personalized service and expert advice on all our loan products. If you're interested in learning more about eligibility or refinancing options available for any of these products, please don't hesitate to reach out at 281-331-2253. 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 we can help you today!

Credit Lines

For those seeking additional flexibility in managing cash flow or unexpected expenses, we also offer credit lines totaling $10,000,000. This can be an excellent way to ensure you have access to funds when you need them without the commitment of a traditional loan.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $3,576,855, giving you the support you need to invest in your future. If you're considering refinancing, our team can assist you in finding the best solutions tailored to your circumstances.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. We provide flexible terms on these loans, with a total of $1,710,193 helping members manage their finances effectively. Whether it's for emergencies or everyday purchases, our credit cards can offer peace of mind and convenience.

Loan Aggregator

Ensuring 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 guarantees that the offers presented are fair and transparent. Each loan comparison reflects current rates from legitimate financial institutions, ensuring you have the most accurate information at your fingertips.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from reputable financial institutions, which means you can trust the information provided. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. This commitment to impartiality ensures that you receive unbiased results. - Real-Time Rate Comparisons: The platform updates loan rates regularly, allowing users to make informed decisions based on the latest data. 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 highlights how effective and user-friendly the platform is. Explore your options today! Compare real-time loan offers at LendMesh 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.

CHOCOLATE BAYOU COMMUNITY FEDERAL CREDIT UNION - Manvel, TX

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