Common Cents Credit Union Beaumont TX | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Common Cents Credit Union, where your financial well-being is our top priority! Located at 8109 Smith Rd, Beaumont, TX 77705, we have been proudly serving our members since 1963. With a strong commitment to our community and a membership base of over 3,500 individuals, we understand the unique needs of our local families and businesses. At Common Cents, we believe in making banking accessible and straightforward. Our total assets of $34,471,012 reflect our stability and reliability as a trusted financial partner. With approximately $2,559,093 in deposits and a robust lending portfolio that includes 1,717 loans, we provide the resources you need for personal or business growth. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 20396, Beaumont, TX 77720-0396. We take pride in ensuring that all interactions with us are seamless and effective. Led by our dedicated CEO, Donnielle Goff, and Board President Kenneth Thibodeaux, we strive to create an environment where you feel valued and supported. Our team of 18 employees is here to assist you with a range of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more! As you explore your options with us, you'll notice that we have a net worth of $4,517,322 and maintain cash reserves of $586,775 demonstrating our ability to meet your needs effectively. We're here for you! If you have any questions or would like to learn more about how we can help you achieve your financial goals, feel free to call us at (409) 842-5233. Visit our website at Common Cents Credit Union for more information or to get started today!

Branch History & Mission

Welcome to Common Cents, a beacon of hope and financial empowerment in Beaumont, Texas. Since opening our doors in 1963, we have built a rich legacy of serving our community with dedication and integrity. Located at 8109 Smith Rd, our branch has grown from humble beginnings into a trusted financial partner for over 3,500 members. With total assets amounting to $34,471,012, we are proud to offer a variety of services tailored to meet the needs of our diverse membership. Our mission is simple yet powerful: to provide accessible financial services while supporting the community we call home. We believe that every individual deserves the opportunity to achieve their financial goals. This commitment drives us to offer personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Whether you are looking for a reliable place to save or need assistance with your next vehicle purchase, Common Cents is here for you. In addition to our core offerings, we continually strive for innovation and improvement. Our digital advancements ensure that members can access their accounts anytime through online banking and mobile applications. We also prioritize accessibility; our branch complies with ADA standards so that everyone can benefit from our services comfortably. Community outreach is at the heart of what we do. Over the years, we have partnered with local organizations to support various initiatives aimed at uplifting those in need. From educational programs to charitable events, we are committed to making a positive impact in Beaumont and beyond. While members can visit us at 8109 Smith Rd Beaumont Tx 77705, official correspondence should be sent to PO Box 20396, Beaumont, TX 77720-0396. We invite you to come see us during our operating hours: Monday through Friday from 8:00 AM - 5:00 PM (with slightly adjusted hours on Tuesdays). Enjoy convenient ATM access and drive-thru banking options designed for your ease. Join us at Common Cents Credit Union and experience firsthand how we can help you navigate your financial journey. Together, let's build a brighter future! For more information or assistance, please reach out at (409) 842-5233 or visit our website here.

Branch Location & Accessibility

Operating Hours

We know your time is valuable! That's why we offer flexible hours designed to fit your busy schedule. You can visit us on Mondays, Wednesdays, Thursdays, and Fridays from 8 AM to 5 PM. On Tuesdays, we open a bit later at 9 AM but still welcome you until 5 PM. Our drive-thru service is also available during these hours for those quick transactions without leaving your vehicle.

Services Offered

At Common Cents Credit Union, we provide a wide range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans or mortgage refinancing, our dedicated team is here to help. We also offer credit cards with rewards and business banking solutions. For added convenience, enjoy our ATM services for cash withdrawals and balance checks. If you have any questions or need assistance, don't hesitate to give us a call at 409-842-5233. We're here to support you every step of the way! Come visit us today and discover how Common Cents Credit Union can help you achieve your financial goals.

Member Eligibility

Becoming a member of Common Cents is like joining a warm, supportive community where your financial needs are prioritized. If you live, work, worship, or attend school in the Beaumont area, you're likely eligible to join us. We believe that everyone deserves access to quality financial services tailored to their unique circumstances. Membership comes with fantastic benefits like lower loan rates and higher savings returns, making it easier for you to achieve your financial goals. To get started, simply visit our website for detailed eligibility informati. Once you're ready to open an account, the process is straightforward! You can sign up online through this link: https://dsot.onlinecu.com/txcoastalcu/#/sign-up. If you have any questions or need assistance, don't hesitate to give us a call at (409) 842-5233. We're excited to welcome you to the Common Cents family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In today's fast-paced market, having reliable payment solutions is crucial. Our merchant services allow you to accept payments easily, helping you focus on what you do best running your business. Imagine being able to process transactions smoothly while offering your customers various payment options. That's the kind of support we provide at Common Cents. Located at 8109 Smith Rd Beaumont Tx 77705 in Beaumont, TX, we're here to help you take your business to the next level. If you're ready to explore how our services can benefit you, give us a call at (409) 842-5233 or visit us today!

Tailored Loan Solutions

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

For our business members, we offer comprehensive services that include merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have tools to help your business thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Common Cents Credit Union, we provide robust online and mobile banking features that let you manage your accounts anytime, anywhere. With easy access to ATM and cash withdrawal services, as well as basic drive-thru banking for simple transactions like deposits and withdrawals, managing your money has never been easier.

Get Started Today!

If you're ready to explore all the financial opportunities available at Common Cents, give us a call at (409) 842-5233 or visit us in person. Our friendly team is here to assist you with all your banking needs. Don't wait join us today and experience the difference that personalized service can make!

Loans Tailored for You

When it comes to financing your dreams, we understand the importance of having flexible options. That's why we offer a variety of loans, including auto loans and vehicle financing that make it easier to drive home in the car you love. If you're considering purchasing a home, our mortgage loans and refinancing services can provide the support you need every step of the way. We also provide personal loans and debt consolidation solutions, helping you take control of your financial future.

Personal Banking

Whether you're opening your first checking account or looking for ways to save, our personal banking options have you covered. Our checking and savings accounts are designed to help you manage your day-to-day finances while building a solid foundation for future goals. Plus, our credit cards with rewards offer great benefits on everyday purchases.

Digital & Online Banking

At Common Cents, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a robust suite of digital and online banking services designed to make managing your finances easy and stress-free. Our online banking platform is available 24/7 at https://commoncentscu.com/, allowing you to access your accounts anytime, anywhere. Whether you want to check your balance, pay bills, or transfer funds, our user-friendly interface ensures a smooth experience. You can also enjoy the benefits of electronic signature authorization, making it easier than ever to sign documents securely from the comfort of your home. For those who prefer going paperless, we provide e-statements that help you keep track of your financial activity without clutter. Plus, with mobile payments enabled, you can make purchases directly from your smartphone no need for cash or cards! You'll also find our mobile application handy, giving you full control over your banking on the go. From person-to-person transfers to instant account updates, everything is just a few taps away. No more waiting in line; everything you need is right at your fingertips. At Common Cents, we prioritize your security with advanced protections in place to keep your information safe while you manage your finances online. Our digital banking services not only offer accessibility but also empower you with real-time management of your accounts. Join us today and experience how easy banking can be with Common Cents!

Financial Strength

Commitment to Growth

With $3,893,638 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 reflected in our robust offerings with $382 in used auto loans and $23,788,185 in total loans and leases, supporting our members' financial goals across various sectors.

Growing Member Base

We currently boast a total of 7,857 share and deposit accounts, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Common Cents is your trusted partner. Visit us at 8109 Smith Rd Beaumont Tx 77705 or call (409) 842-5233 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is evident in our $-$64,916, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 14 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $9,076,447 in share certificates and $768,306 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.

Strong Financial Position

With a net worth of $4,517,322, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.10% 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 $8,356,707 in used vehicle loans and $6,181,069 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new ride or purchasing a reliable used vehicle, our team is here to assist you every step of the way.

Credit Lines

If you're looking for additional flexibility in your budgeting, consider our credit lines totaling $1,300,000. This can provide you with quick access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we can provide guidance on how to secure financing when you're ready.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for new ones, our knowledgeable staff at Common Cents is ready to help you find the best solution tailored to your financial situation. For more information about our loan offerings or if you have any questions, feel free to reach out at (409) 842-5233. You can also visit us at 8109 Smith Rd Beaumont Tx 77705 or check out our website at Common Cents Credit Union. Remember, 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're here to support your journey towards financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $857,550 in loans helping members manage their finances effectively. This can be an excellent option for those looking to consolidate debt or cover unexpected expenses without collateral.

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COMMON CENTS FEDERAL CREDIT UNION - Beaumont, TX

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