Common Cents Credit Union Beaumont TX | Best Auto Loans & Business Banking

Introduction

Welcome to Common Cents Credit Union, your trusted financial partner located at 595 Interstate 10 N, Beaumont, TX 77706. Established in 1963, we have proudly served our community for over six decades, fostering a sense of belonging and financial well-being among our 3,509 members. At Common Cents, we understand that every dollar counts, which is why we strive to offer competitive rates and personalized services tailored to your needs. Our branch is more than just a place for banking; it's a hub for local families and businesses alike. With total assets of $34,471,012 and total deposits reaching $2,559,093, we are committed to maintaining financial health while ensuring the best possible experience for our members. Whether you're looking for checking and savings accounts, auto loans, or even personal loans and credit cards with rewards, we've got you covered. The heart of Common Cents lies in our dedicated team led by CEO Donnielle Goff and Board President Kenneth Thibodeaux. Together with our staff of 18 employees, we work hard every day to provide exceptional service and support. We believe in empowering our members through financial education and resources that foster growth and stability. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO Box 20396, Beaumont, TX 77720. Feel free to reach out to us at (409) 842-5233 during our operating hours from Monday to Friday, 9 AM to 5 PM. Join us at Common Cents Credit Union where your financial future is in good hands. For more information or to open an account online today, visit our website at Common Cents Credit Union. We look forward to serving you!

Branch History & Mission

Community Focus

While members can visit us at our main branch address for all their banking needs, official correspondence should be sent to PO Box 20396, Beaumont, TX 77720. We ensure that our branch is equipped with modern conveniences like ATM services and drive-thru banking for added accessibility. Our operating hours from Monday to Friday between 9 AM and 5 PM are designed to fit the busy schedules of our members. As technology continues to advance, so do we. We offer online banking options alongside mobile payment solutions to enhance your experience with us. You can manage your accounts anytime and anywhere with ease.

Join Us

We invite you to become part of the Common Cents family! Experience personalized service and a community-focused approach that puts your needs first. Whether you're looking for savings accounts or financing options, we're here to help you every step of the way. Reach out today at 409-842-5233 or visit our website at commoncentscu.com for more information on how you can join us in making your financial dreams a reality!

Our Mission

At Common Cents Credit Union, our mission is straightforward: to provide exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to reliable banking solutions that empower them to achieve their financial goals. Our offerings include personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We aim to make banking easy and accessible for all. Our commitment extends beyond just providing financial products; it also includes supporting our community through outreach initiatives and partnerships. We strive to contribute positively to the lives of those we serve in Beaumont and surrounding areas.

Branch Location & Accessibility

Convenient Services and Accessibility

At Common Cents, we pride ourselves on offering a variety of banking services designed to meet your needs. From personal checking and savings accounts to auto loans and mortgages, our friendly staff is ready to assist you with all your financial inquiries. Plus, with our drive-thru banking option available, you can enjoy quick and easy transactions without leaving your vehicle. Accessibility is important to us. Our branch features ADA-compliant facilities including ramps and designated parking spots for individuals with disabilities. We want everyone to feel welcome when they visit us.

Hours and Contact Information

We are open Monday through Friday from 9 AM to 5 PM, providing ample time for you to stop by during your day. If you have any questions or need assistance, don't hesitate to reach out! You can contact us at 409-842-5233. For those who prefer cash transactions, we also offer ATM services right on-site for your convenience. Whether it's for cash withdrawals or balance checks, we've got you covered!

Visit Us Today!

Come experience the warmth of community banking at Common Cents Credit Union. Our dedicated team is eager to help you achieve your financial goals. Stop by our branch today or give us a call we look forward to serving you!

Member Eligibility

At Common Cents, we believe that everyone deserves a place in our supportive community. If you're looking to join us, becoming a member is easier than you might think! Generally, anyone who lives, works, worships, or attends school in the Beaumont area can qualify for membership. This means that you could soon enjoy all the benefits we offer, from personal banking options to competitive loans and credit services. To find out if you meet the eligibility requirements, feel free to check out our detailed criteria. Once you're ready to take the next step, opening an account with us is straightforward. Just visit our account opening page at https://dsot.onlinecu.com/txcoastalcu/#/sign-up, and you'll be on your way to accessing all the great resources we provide. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (409) 842-5233. We're excited to welcome you into the Common Cents family!

Business Banking & Commercial Services

Lending Solutions That Drive 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.

Merchant Services Made Easy

Managing transactions should be straightforward. That's why we offer merchant services designed to simplify payment processing for your business. Imagine having a reliable partner that ensures your customers can pay easily whether they prefer credit cards, mobile payments, or other methods. This allows you to focus on what you do best: running your business. Located at 595 Interstate 10 N Beaumont Tx 77706 in Beaumont, TX, our team is ready to help you find the right banking solutions tailored to your goals. Connect with us today at (409) 842-5233!

Comprehensive List Of Services

Accessibility

Our commitment to service extends beyond just the products we offer. We pride ourselves on providing a warm environment where members can feel comfortable discussing their financial needs. Our drive-thru service is available for quick transactions without leaving your vehicle.

Business Banking

For small business owners, we understand that every penny counts. That's why we offer business banking solutions, including merchant services and business loans to help your venture thrive. You can focus on what matters most growing your business while we handle the financial side.

Call to Action

We invite you to experience all that Common Cents has to offer. With our friendly staff ready to assist you at 409-842-5233, there's no better time to explore how we can support your financial journey. Visit us today at 595 Interstate 10 N in Beaumont or check out more about our services online at Common Cents Credit Union. Let us be your partner in achieving financial success!

Digital Banking Features

In today's fast-paced world, convenience is key. With Common Cents, enjoy robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and make payments all from the palm of your hand. We also provide ATM and cash withdrawal services for quick access to your cash, along with basic drive-thru banking for deposits and withdrawals if you prefer face-to-face interaction.

Loans and Credit Cards

Need extra funds for unexpected expenses or consolidating debt? Our personal loans can provide the support you need when life throws a curveball. Plus, our credit cards come with rewards that let you earn while you spend perfect for everyday purchases or special occasions.

Personal Banking

When it comes to personal banking, our offerings include checking and savings accounts tailored to help you reach your financial goals. For those considering a new vehicle, our auto loans and vehicle financing options make it simple to drive off in the car you want without the financial stress. If homeownership is on your horizon, our mortgage loans and refinancing services can guide you through securing the right loan for your situation.

Digital & Online Banking

Key Features

Our online banking services allow you to access your accounts anytime through https://commoncentscu.com/. With just a few clicks, you can check your balance, transfer funds, and pay bills without stepping foot inside a branch. Need to send money to a friend? Our person-to-person transfer feature lets you do that quickly and easily. Plus, with the option for electronic signature authorization, signing important documents has never been simpler. For those who prefer mobile banking, our app brings all these features right to your fingertips. You can even make mobile payments directly from your phone, giving you the flexibility to manage your money while out and about. And if you're looking for an environmentally friendly option, we offer e-statements so you can view your account statements online instead of waiting for them in the mail.

Security and Accessibility

Your security is our top priority. We use advanced technology to keep your information safe as you conduct transactions online or through our mobile application. You'll feel confident knowing that your financial data is protected every step of the way. With Common Cents, banking is not only accessible; it's convenient and straightforward. Whether you're checking balances or making payments, everything is designed with ease-of-use in mind. Experience the freedom of managing your finances on your terms with our digital banking services today!

Financial Strength

At Common Cents, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to present our strong financial position, which ensures we can provide you with the best services possible. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. This focus is evident as we manage non-member deposits at $0, ensuring that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. 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 supports your financial goals across various sectors with $8,356,707 in used auto loans and a total of $23,788,185 in loans and leases. Our operational efficiency is highlighted by a net income of $0, which allows 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. Our commitment to serving our community is reflected in the fact that we have 7,857 total share accounts, showing 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 595 Interstate 10 N Beaumont Tx 77706 or call 409-842-5233 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 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 looking for a brand-new model or a reliable used option, we have financing solutions that fit your budget.

Credit Lines

In addition to our other offerings, we provide credit lines totaling $1,300,000. This allows our members to access funds as needed without the hassle of applying for separate loans each time. If you're considering refinancing any existing loans or exploring eligibility options for our various products, our dedicated staff at Common Cents is here to guide you through the process smoothly. For more information or to start your application today, don't hesitate to reach out! You can contact us at (409) 842-5233 or visit us at 595 Interstate 10 N Beaumont Tx 77706 during our lobby hours from Monday to Friday between 9 AM and 5 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. We're committed to supporting your journey toward financial well-being!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we do not have Junior Lien 1-4 Family Residential Properties loans available; however, our team is ready to assist you with any questions about future offerings.

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. These cards can provide you with the purchasing power you need while maintaining control over your spending.

Loan Aggregator

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COMMON CENTS FEDERAL CREDIT UNION - Beaumont, TX

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