City Gainesville TX Credit Union | Low Mortgage Rates & Auto Loans

Introduction

At City Credit Union, we believe in the power of community and the strength of personal connections. Located at 406 N Grand Ave, Gainesville, TX 76240, our branch has been serving members since 1942. With a rich history and a commitment to providing exceptional financial services, we proudly support over 35,308 members with tailored solutions that meet their unique needs. While you can visit us at our Gainesville location, please note that any official correspondence should be directed to our mailing address at 7474 Ferguson Rd, Dallas, TX 75228. With total assets exceeding $651 million, we have built a solid foundation to help our members achieve their financial goals. Our diverse range of offerings includes personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Whether you're looking to buy a new vehicle or save for the future, we are here to guide you every step of the way. Under the leadership of CEO Sharon Moore and Board President Alan Richardson, our team of 106 dedicated employees is committed to making your experience seamless and supportive. We understand that financial decisions can be overwhelming, which is why we're here to provide personalized assistance tailored just for you. Our community-focused approach is reflected not only in our services but also in our financial stability. We maintain total deposits of $55 million and a net worth of $72 million, ensuring that your money is safe with us. With over $28 million in cash on hand, we are prepared to meet your needs whenever they arise. We invite you to join us on this journey toward financial well-being. Feel free to reach out by calling us at 214-515-0100, or simply stop by during our lobby hours from 9 AM to 4 PM Monday through Thursday and 8 AM to 5 PM on Friday. Together, let's build a brighter financial future!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we recognize the importance of convenience and accessibility. That's why we've invested in digital advancements like online banking and mobile payments so members can manage their finances anytime, anywhere. Additionally, our facilities are ADA compliant, ensuring everyone can access our services comfortably. While members can visit us at 406 N Grand Ave for in-person assistance or drive-thru banking during our operating hours Monday through Friday from 9 AM to 5 PM we also provide ATM services for quick transactions. For any official correspondence or inquiries that need mailing, please send it to 7474 Ferguson Rd, Dallas, TX 75228.

Join Us

As we look towards the future, City remains committed to fostering an inclusive environment where all individuals can achieve their financial goals. We invite you to join our growing family of members who trust us with their financial needs. Experience the benefits of being part of City where your success is at the heart of everything we do. For more information about becoming a member or exploring our services further, don't hesitate to reach out at 214-515-0100 or visit us online at citycu.org. Let's build a brighter future together!

Our Mission

Our mission is simple yet powerful: to improve the lives of our members through accessible financial services and community involvement. We believe that everyone deserves a chance to thrive financially, which is why we offer a wide range of products including checking accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Our focus goes beyond just banking; we actively engage in community outreach initiatives that uplift those around us. We're proud to say that we are more than just a financial institution; we are your neighbors. We partner with local organizations and participate in community events to ensure that we give back to the very people who support us. Whether it's through sponsoring local sports teams or hosting financial literacy workshops, City is dedicated to making a positive impact in Gainesville and surrounding areas.

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility. Our branch is designed with ADA-compliant features, including ramps and designated parking spaces to ensure everyone can visit comfortably. Ample parking is available, so you won't have to worry about finding a spot during your visit.

Get in Touch

If you have questions or want more information before your visit, feel free to call us at (214) 515-0100. We're excited to welcome you into our branch and help you achieve your financial goals! Come see how we can make your banking experience a pleasant one at City!

Operating Hours

Our lobby hours are welcoming too! You can come by from 9 AM to 4 PM, Monday through Thursday, and 8 AM to 5 PM on Fridays. If you prefer the drive-thru, we're open from 8 AM to 4 PM, Monday through Thursday, and 8 AM to 5 PM on Fridays as well.

Services Offered

At City, we offer a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our friendly team is ready to assist you. We also provide basic drive-thru banking for quick transactions and shared service options for partner credit union members.

Member Eligibility

At City, becoming a member means joining a warm and welcoming community that prioritizes your financial well-being. If you live, work, or attend school in the Gainesville area, you're likely eligible to become part of our family! We believe everyone deserves access to friendly banking services, so if you're interested in personal banking, auto loans, or even business financing, we're here to help you every step of the way. You can easily find more details about the eligibility criteria by visiting our website at . Opening an account is straightforward and designed with you in mind. Simply stop by our branch located at 406 N Grand Ave Gainesville Tx 76240, or give us a call at (214) 515-0100 to get started. We're excited to have you on board and support your financial journey!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, our merchant services help streamline transactions. Picture this: your customers can pay quickly and easily, whether online or in-store. This efficiency keeps them happy and encourages repeat business. Our services ensure that managing payments is simple so you can focus on what really matters growing your enterprise. Located at 406 N Grand Ave Gainesville Tx 76240 in Gainesville, TX, we're here to help you thrive. Contact us today at (214) 515-0100 to learn more about how we can support your business dreams!

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 Solutions

Business owners will find valuable support at City as well. Our business banking services, which include merchant services and business loans, are tailored to help you grow your venture without unnecessary hurdles. We believe in empowering local businesses because we know their success contributes to the community's overall prosperity.

Credit Options

For those unexpected expenses or projects around the house, our personal loans and debt consolidation services can provide relief when you need it most. Plus, with our credit cards that come with rewards, you can earn points on everyday purchases while managing your expenses effectively.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. With these tools, managing your accounts has never been easier whether it's checking balances, transferring funds, or making payments right from your smartphone or computer. You can also take advantage of our ATM and cash withdrawal services, which provide easy access to cash whenever needed. If you're in a hurry, use our drive-thru service for quick deposits and withdrawals without leaving your vehicle.

Get Started Today!

With so many services designed with you in mind, there's no better time than now to engage with us at City located at 406 N Grand Ave Gainesville Tx 76240 in Gainesville, TX. Feel free to reach out at (214) 515-0100 if you have any questions or would like more information about how we can assist you in achieving your financial goals. Let's take this journey together!

Personal Banking Services

Our personal banking options are tailored for everyday needs. We offer checking and savings accounts that make it easy to manage your finances. Imagine having a checking account that helps you keep track of your spending while also allowing you to save effortlessly for future goals. With competitive interest rates on our savings accounts, every little bit counts towards your financial wellness. When it comes to financing, our auto loans and vehicle financing solutions are designed with flexibility in mind. Whether you're buying a new car or refinancing an existing loan, our team will guide you through the process to ensure you get the best deal possible. If homeownership is on your horizon, explore our mortgage loans and refinancing options. We aim to simplify the home buying process so you can focus more on finding your dream home and less on complicated paperwork.

Shared Branch Transactions

We're proud to offer basic shared branch transactions, allowing members from partner credit unions to conduct deposits and withdrawals right here at City. This feature enhances accessibility for all our members.

Digital & Online Banking

User-Friendly Features

We know security is important to you, which is why we offer electronic signature authorization for added peace of mind. You can complete transactions securely without the need for paper signatures. Additionally, you can opt for e-statements to keep track of your financial activities without the clutter of paper statements. If you prefer managing your accounts on-the-go, don't miss out on our mobile application! It's user-friendly and allows you to access all the features of online banking right from your phone or tablet. With this app, checking balances, making transfers, and even paying bills is quick and straightforward. In today's fast-paced world, having control over your finances shouldn't be complicated. At City, we strive to provide you with accessible and easy-to-use digital banking solutions that put you in charge of your financial journey. Visit us online at https://www.citycu.org/ to learn more about how our digital services can help simplify your banking experience!

Financial Strength

Commitment to Growth

With $70,864,536 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $7,083 in used auto loans and $383,745,065 in total loans and leases, we support members' financial goals across various sectors. Our financial strength is further highlighted by our operational efficiency, as shown by our $0. This allows us to keep providing competitive loan rates and solid financial products for our members. We also take pride in having 106 full-time employees ready to assist you with their knowledge and commitment.

Growing Member Base

We have a strong community connection with a total of 61,732 share accounts, showcasing the trust our growing member base places in us. This reflects not just our stability but also our commitment to serving you effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, City is your trusted partner. Visit us at 406 N Grand Ave Gainesville Tx 76240 or call (214) 515-0100 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $175,139,337 in share certificates and $32,773,604 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,950,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Position

With a net worth of $72,522,667, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,113 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 $143,600,570 in used vehicle loans and $32,286,618 in new vehicle loans already helping members get on the road. We also provide refinancing options for those who want to lower their monthly payments or pay off their existing auto loan more quickly.

Credit Lines and More

For those looking for additional flexibility, our total credit lines amount to $123,923,917, providing you with the ability to borrow as needed without taking out a traditional loan. This can be especially useful for managing cash flow or funding personal projects. If you're interested in any of our offerings or want to learn more about eligibility options, don't hesitate to reach out! You can contact us at (214) 515-0100 for personalized assistance. Our team is here to guide you through the process and find the best solution tailored just for you. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $57,295,896, make buying or refinancing simple. We offer competitive rates and flexible terms to fit your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,953,924 in loans helping members manage their finances effectively. These cards come with no collateral requirements, making them accessible for various needs, from unexpected expenses to everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions without delay. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness and reliability of the tool. Ready to take control of your borrowing options? 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.

How LendMesh Ensures Accurate 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 tailored to their financial needs. Each loan offer displayed on the platform has been verified, giving users peace of mind when making important financial decisions.

CITY CREDIT UNION - Gainesville, TX