Credit Human Credit Union Cibolo TX | Affordable Auto Loans & Business Banking

Introduction

At Credit Human, we believe that financial wellness starts with a strong community connection. Located at 857 Cibolo Valley Dr, Cibolo, TX 78108, our branch has proudly served its members since 1935. With a commitment to providing exceptional service, we currently support over 250,000 members in their journey towards achieving financial goals. As a trusted credit union, we are proud of our robust financial health, boasting total assets of $4,414,968,054 and total deposits reaching $180,470,499. Our diverse offerings include personal banking services like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. Whether you're looking to finance your dream car or need assistance with your small business needs, we've got you covered. Our experienced team of 857 employees, led by CEO Stephen Hennigan and Board President Blaise Bender, is dedicated to ensuring that every member feels valued and supported. We understand the importance of personalized service and work tirelessly to meet the unique needs of our community. While members can visit us at our physical location for friendly face-to-face interactions, official correspondence should be sent to the same address: 857 Cibolo Valley Drive, Cibolo, TX 78108. We invite you to explore how Credit Human can help you thrive financially. For any questions or to learn more about our services, please don't hesitate to call us at 210-258-1256 or visit our website at www.credithuman.com. Join us today and experience the difference that being part of a member-focused credit union can make!

Branch History & Mission

At Credit Human, we are proud of our rich legacy that dates back to 1935 when we first opened our doors in Cibolo, Texas. Over the years, we have witnessed tremendous growth and change, evolving from a small financial institution into a trusted partner for over 250,000 members. Our journey has been marked by milestones that reflect our commitment to providing exceptional financial services while fostering community support. Located at 857 Cibolo Valley Dr, Cibolo, TX 78108, our branch is easily accessible and surrounded by the vibrant community we serve. Whether you need assistance with personal banking, auto loans, or business financing, we are here to help you achieve your financial goals. If you wish to send official correspondence, please direct it to our mailing address: 857 Cibolo Valley Drive, Cibolo, TX 78108. Our mission at Credit Human is simple yet powerful: to empower our members through comprehensive financial services while actively contributing to the well-being of our community. We believe that everyone deserves access to quality financial resources and support. This belief drives us to offer a range of products including checking and savings accounts, mortgage loans, personal loans, and credit cards with rewards. We also take pride in our commitment to digital advancements, offering online banking and mobile payment options for your convenience. As part of our dedication to accessibility, we ensure that our services comply with ADA standards so that all members can benefit from what we offer. Additionally, with both ATM availability and drive-thru banking options, we strive to provide flexibility for your banking needs. Community involvement is at the heart of what we do. We work closely with local organizations and initiatives to uplift those around us. Our partnerships focus on enhancing financial literacy and providing assistance where it matters most. We invite you to visit us during our lobby hours: Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 12 PM. For those who prefer the convenience of drive-thru banking, we're open Monday through Friday from 7 AM to 6 PM and Saturday from 9 AM to 2 PM. Join us today at Credit Human and experience the difference a community-focused credit union can make in your life! With total assets exceeding $4.4 billion and a dedicated team ready to assist you, we are here not just as a bank but as a partner in your financial journey. Reach out at 210-258-1256 or visit our website at Credit Human for more information or to get started on opening an account!

Branch Location & Accessibility

A Variety of Services Just for You

Whether you need personal banking solutions like checking and savings accounts, auto loans, or credit cards with rewards, we have you covered. Plus, our ATM services are available for quick cash withdrawals and balance checks whenever you need them. At Credit Human, we're committed to helping you achieve your financial goals with our wide range of offerings.

Come Visit Us!

We invite you to stop by Credit Human at Cibolo Valley Dr today! Whether you're looking for advice on a new loan or just want to learn more about our services, our friendly team is here to help. Feel free to call us at (210) 258-1256 if you have any questions before your visit. We look forward to welcoming you!

Convenient Access and Features

Our location is equipped with ample parking, making it easy for you to stop by without hassle. If you're coming in for a quick visit, our drive-thru service allows you to complete simple transactions from the comfort of your vehicle. We're also proud to provide ADA-compliant features, ensuring that everyone can access our services with ease.

Operating Hours That Fit Your Schedule

At Credit Human, we understand that your time is valuable. That's why our lobby hours are designed to accommodate your busy lifestyle: we're open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to noon. For those who prefer early mornings or later evenings, our drive-thru service operates Monday through Friday from 7 AM to 6 PM and on Saturday from 9 AM to 2 PM.

Member Eligibility

At Credit Human, we believe in building a community where everyone can thrive. Joining us as a member is simple and welcoming. If you live, work, worship, or go to school in our service areas, you're already eligible to become part of our family! We aim to provide our members with the best financial tools and support, helping you achieve your goals whether that's saving for a dream vacation or financing your first home. For detailed eligibility criteria, feel free to visit this link. Opening an account is just as easy! All you need to do is visit us at 857 Cibolo Valley Dr, Cibolo, TX 78108 or check out the online application process here. If you have any questions, don't hesitate to call us at (210) 258-1256. We're excited to welcome you into our community!

Business Banking & Commercial Services

Commercial Loans that Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $25 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $31,911,582, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In today's fast-paced market, having reliable payment processing is crucial. Our merchant services equip businesses with tools like point-of-sale systems and online payment options that simplify transactions, allowing you to focus on what you do best running your business. Imagine a customer seamlessly checking out at your store or easily making a purchase online; that's the efficiency we aim to provide. Visit us at 857 Cibolo Valley Dr Cibolo Tx 78108, Cibolo, TX, or give us a call at (210) 258-1256 to discover how our business banking services can help you thrive.

Comprehensive List Of Services

ATM and Drive-Thru Services

We also understand that sometimes you need quick access to cash or assistance without stepping inside the branch. Our ATM services allow for easy withdrawals and balance checks whenever needed. Plus, our drive-thru banking offers basic services such as deposits, withdrawals, and simple transactions from the comfort of your car. At Credit Human in Cibolo, TX, we believe in putting our members first by providing comprehensive financial solutions that cater to both personal and business needs. If you're ready to take control of your financial future or have any questions about our services, don't hesitate! Visit us today or check out more about us online at Credit Human. We look forward to serving you!

Business Banking Support

For small business owners, we offer robust business banking services, including merchant services and business loans. Our team understands the challenges faced by entrepreneurs and is ready to partner with you in achieving your business goals.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide top-notch online and mobile banking features. Access your accounts anytime, anywhere, manage transactions, pay bills, and even transfer money easily through our user-friendly platforms. With features like mobile payments, managing your finances has never been easier.

Credit Cards and Rewards

Looking for rewards while spending? Our credit cards with rewards program allows you to earn points on every purchase, giving back as you spend. It's just another way we help you make the most out of your finances.

Personal Banking Solutions

When it comes to personal banking, we understand that every member has unique needs. That's why we offer a variety of checking and savings accounts designed to fit different lifestyles. Whether you're saving for a dream vacation or managing everyday expenses, our accounts provide the flexibility you need. If you're looking to purchase a vehicle, our auto loans and vehicle financing options make it simple. We strive to provide competitive rates that can help turn your dream car into a reality. For those considering buying a home or refinancing their existing mortgage, our mortgage loans and refinancing services are designed to guide you through the process smoothly. Sometimes life throws unexpected challenges your way, and that's where our personal loans and debt consolidation options come in handy. We work with you to find solutions that alleviate financial stress.

Digital & Online Banking

Accessible Online Banking Services

With our 24/7 online banking services available at https://www.credithuman.com/, you can easily check your account balances, transfer funds, and pay bills all from the comfort of your home. Our platform is not only convenient but also secure, ensuring that your financial information stays protected.

Manage Your Finances Effortlessly

Our mobile application brings the bank right to your pocket. With features like mobile payments and person-to-person transfers, sending money to friends or making purchases has never been easier. Plus, you can access electronic statements at any time, helping you keep track of your spending without the hassle of paper clutter.

Secure Transactions Made Simple

Security is our top priority. We offer electronic signature authorization for all transactions, allowing you to sign documents safely from wherever you are. This means less time in line and more time enjoying what matters most to you.

Stay Informed with E-Statements

E-statements provide a quick and environmentally friendly way to review your account activity. No more waiting for mail; get instant access to your financial records whenever you need them. With our digital banking solutions, managing your finances is as easy as a few taps on your device. Experience the convenience and security of banking with Credit Human today!

Financial Strength

Commitment to Growth

With $338,523,857 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 members' financial goals across various sectors with $36,379 in used auto loans and a total of $3,933,628,418 in loans and leases.

Member Trust

Total Share Accounts stand at 378,121, indicating a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $19,379,317, further showcasing our commitment to fostering financial growth within our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Credit Human is your trusted partner. Visit us at 857 Cibolo Valley Dr Cibolo Tx 78108 or call (210) 258-1256 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operations reflect our commitment to efficiency, as shown by our $1,505,539. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 852 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Safe Savings Options

Members' savings are secured through $1,860,979,112 in share certificates and $338,725,607 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $137,544,512, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $347,960,748, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 7.85% 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 $892,999,277 in used vehicle loans and $591,995,468 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used car, we have financing options that can fit your budget.

Business Financing

For business owners looking for capital to grow and expand, our outstanding commercial loans totaling $31,911,582 offer essential support for various business needs. From equipment purchases to working capital, we are committed to helping local businesses thrive.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $20,780,271, make buying or refinancing simple. We are here to guide you through the home loan process and ensure you understand every step along the way.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, our team can help assess your current situation and explore eligibility options tailored for you. We aim to provide solutions that may lower your monthly payments or improve your overall financial health. Our commitment is not just about lending money; it's about building relationships with our members and being part of their financial journey. For more information on our loan products or to discuss your specific needs, feel free to reach out to us at 210-258-1256. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today and discover how Credit Human can support your financial aspirations!

Unsecured Credit Card Loans

Managing your day-to-day expenses is easier with our flexible terms on unsecured credit card loans. With a total of $46,079,297 in loans helping members manage their finances effectively, we provide options that fit various spending needs without the burden of collateral.

Loan Aggregator

Benefits of Using LendMesh

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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 information presented is not only accurate but also fair and transparent. Users can trust that they are receiving reliable offers that reflect the current lending environment.

CREDIT HUMAN FEDERAL CREDIT UNION - Cibolo, TX

Type of Loan Offerings

Student Loans

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Loan rates in Cibolo, TX (78108)