Credit Union of Texas Mckinney TX | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Credit Union Of Texas, your trusted financial partner right here in McKinney, TX. Located at 2651 Ridge Road Ste 101, we have been proudly serving our community since 1931. With a strong commitment to our members, we've grown to support over 165,000 members and manage an impressive $2.66 billion in assets. At Credit Union Of Texas, we believe in the power of community and the importance of personal relationships. Our dedicated team is here to provide tailored financial solutions that meet your unique needs whether it's securing a new auto loan, managing your savings, or navigating your path to home ownership. We offer a variety of services including checking and savings accounts, credit cards with rewards, personal loans, and business banking options. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 2651 Ridge Road Ste 101, McKinney, TX 75070. You can also reach us by phone at 214-818-3231 for any inquiries or assistance. Under the leadership of our CEO, Eric Pointer, and Board President, Troy Mathieu, we are committed to fostering a supportive environment where every member feels valued. Our team of over 540 employees is eager to assist you in achieving your financial goals with personalized service and expert advice. We invite you to explore how Credit Union Of Texas can help you thrive financially. Visit us today or check out our website at cutx.org to learn more about our services and how we can assist you on your financial journey. Let's build a brighter future together!

Branch History & Mission

At Credit Union Of Texas, our journey began in 1931 with a simple mission: to serve our members and their financial needs with integrity and care. Located at 2651 Ridge Road Ste 101, McKinney, TX 75070, we have grown alongside our community, evolving from a small credit union into a trusted financial partner for over 165,391 members. Throughout the years, we have reached significant milestones that reflect our commitment to the people of McKinney and beyond. With total assets exceeding $2.66 billion, we offer a wide array of services tailored to meet the diverse needs of our members. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we strive to provide accessible financial resources that empower individuals and families. Our mission extends beyond just providing financial services; we are dedicated to fostering community connections. We actively participate in local events and initiatives, ensuring that we give back to the neighborhoods we serve. This commitment is further exemplified by our partnerships with various organizations aimed at supporting education, health, and wellness within our community. As part of our modern approach to banking, we offer digital advancements such as online and mobile banking services, making it easier for members to manage their finances anytime, anywhere. Our branch is fully ADA compliant, ensuring all members have equal access to our facilities. Additionally, our drive-thru service allows for convenient transactions without leaving your vehicle. While members can visit us at 2651 Ridge Road Ste 101, official correspondence should be sent to the same address since it also serves as our mailing address. Our operating hours are designed to accommodate your busy schedule: Monday through Friday from 9 AM to 6 PM and Saturday from 10 AM to 2 PM. With an ATM available on-site and a focus on customer service, we invite you to experience what makes Credit Union Of Texas special. Our dedicated team is here to assist you with any inquiries or financial guidance you may need. Join us today and become part of a thriving community where your financial well-being is our priority! Call us at 214-818-3231 or visit our website at cutx.org for more information about membership benefits and how we can support your financial goals.

Branch Location & Accessibility

Call Us Anytime!

Have questions or need assistance? Don't hesitate to give us a call at 214-818-3231. Our team is eager to help you with all your banking needs. While members can visit us at 2651 Ridge Road Ste 101 Mckinney Tx 75070, official correspondence should be sent to 2651 Ridge Road, Ste 101, McKinney, TX 75070 if it differs from our branch address. We invite you to come in and experience the personal touch that sets Credit Union Of Texas apart. Your financial well-being is our priority!

Convenient Access and Parking

Finding us is a breeze! We offer ample parking space, so you can park with ease and get your banking done without any hassle. For our members who may need assistance, our branch is fully ADA compliant, ensuring everyone can access our services comfortably.

Operating Hours Tailored for You

Our friendly staff is here to assist you during convenient hours: Monday through Friday from 9 AM to 6 PM and Saturday from 10 AM to 2 PM. If you prefer quick transactions, take advantage of our drive-thru banking service available during these same hours. You can also access an ATM on-site for your convenience.

Member Eligibility

At Credit Union Of Texas, we believe that everyone deserves a financial partner who truly cares. Joining our community is simple and welcoming! If you live, work, or worship in the area, you may be eligible for membership. We're here to support you with a range of services tailored to your needs, from checking and savings accounts to loans and credit cards. For more detailed information about the eligibility criteria, feel free to visit our website at . You'll find all the specifics laid out clearly. Opening an account with us is just as easy. You can start your journey towards better financial health by applying online or visiting us at our branch located at 2651 Ridge Road Ste 101 Mckinney Tx 75070. If you have any questions or need assistance, don't hesitate to call us at (214) 818-3231. We're excited to help you become part of the Credit Union Of Texas family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business without worrying about payment processing hassles. Our merchant services are designed to simplify transactions, allowing you to focus on what you do best serving your customers. With secure payment options and user-friendly systems, we help you enhance customer satisfaction while streamlining your operations. Located at 2651 Ridge Road Ste 101 Mckinney Tx 75070 in Mckinney, TX, we're here to provide the financial tools you need to thrive. Reach out to us at (214) 818-3231 to learn more about how our business banking services can support your goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $118 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $52 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $120,465,961, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? Our network of ATMs ensures that you have easy access whenever you need it. You can make withdrawals or check your balance without any hassle.

Auto Loans & Vehicle Financing

If you're in the market for a new car, our Auto Loans and Vehicle Financing options make it simple to drive away in the vehicle of your dreams. Picture yourself cruising around town without worrying about high-interest rates. We provide competitive rates and flexible terms that suit your budget.

Business Banking

For entrepreneurs, our Business Banking services include merchant services and business loans tailored for growth. If you're starting a new venture or expanding an existing one, we offer solutions that cater directly to your business needs.

Credit Cards with Rewards

With our Credit Cards featuring Rewards, every purchase brings you closer to exciting perks like cash back or travel rewards. Imagine earning rewards on groceries or gas spending becomes more rewarding!

Drive-Thru Banking

For those who prefer face-to-face interaction but are short on time, our Basic Drive-Thru Banking service allows you to make deposits and withdrawals quickly and efficiently without leaving your car. We invite you to visit us at 2651 Ridge Road Ste 101 Mckinney Tx 75070 in Mckinney, TX or call us at (214) 818-3231 for more information on how our services can benefit you. Your financial well-being is our top priority at Credit Union Of Texas! Explore all that we have to offer and see how we can support your journey towards achieving your financial goals.

Mortgage Loans & Refinancing

Thinking about buying a home? Our Mortgage Loans and Refinancing services can guide you through the process, helping you secure the best possible rate. Buying your first home can feel overwhelming, but with our expert advice and support, you'll find it much more manageable.

Online & Mobile Banking

We know convenience is key in today's fast-paced world. That's why we offer robust Online and Mobile Banking features, allowing you to manage your accounts from anywhere at any time. Pay bills, transfer money, or check balances right from your smartphone or computer.

Personal Banking

Starting with Personal Banking, we offer a variety of checking and savings accounts tailored to fit your lifestyle. Imagine being able to easily manage your daily expenses while also saving for that special vacation. Our accounts come with no hidden fees, making it easier for you to keep track of your money.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our Personal Loans and Debt Consolidation come in handy. Whether you need funds for home repairs or want to simplify your bills into one monthly payment, we've got options that can ease your financial stress.

Digital & Online Banking

Key Services

Our online banking features include everything from checking your account balances to transferring funds between accounts. You can easily access your e-statements, allowing you to go green while keeping track of your financial history. Plus, if you ever need to sign documents, our electronic signature authorization makes it quick and hassle-free. For those on the go, our mobile application is available for download, putting all your banking essentials right in your pocket. With features like mobile payments and person-to-person transfers, sharing money with friends or family has never been easier. Whether you're paying for lunch or splitting a bill, just a few taps on your smartphone will do the trick!

Security and Accessibility

We prioritize your security with robust measures in place to keep your information safe. Our digital banking solutions are designed not only for ease of use but also with your protection in mind. You can rest easy knowing that your transactions are secure while enjoying real-time account management at your fingertips. At Credit Union Of Texas, we're committed to making banking accessible for everyone. Our online services are crafted to provide you with flexibility and control over your finances, allowing you to bank on your terms. Join us today and experience the benefits of modern banking with a trusted partner!

Financial Strength

A Strong Foundation

With a net worth of $218,668,832, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $842 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Innovation

With $147,771,753 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 $42,558 in used auto loans and $2,074,106,562 in total loans and leases.

Growing Together

Total Share and Deposit Accounts stand at 297,592, 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, Credit Union Of Texas is your trusted partner. Visit us at 2651 Ridge Road Ste 101 Mckinney Tx 75070 or call (214) 818-3231 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $891,514,778 in share certificates and $93,096,318 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $83,461,715, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $5,106,738 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 499 full-time employees and 41 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Loan Offering

Additional Offerings

For business owners looking for capital, our outstanding commercial loans totaling $120,465,961 provide the funding needed to grow and expand your business. We understand that every financial situation is unique, which is why we also offer refinancing options for many of our products. Our experienced team is available to discuss eligibility options and guide you through the application process. Whether you're ready to apply or just have questions, don't hesitate to reach out at (214) 818-3231. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Credit Union Of Texas, we're committed to providing personalized service and competitive rates that meet your individual needs. Let us help you take the next step toward achieving your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $782,680,564 in used vehicle loans and $153,236,825 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new vehicle or a reliable used one, our team is here to guide you through the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $320,060,106, make buying or refinancing simple. We also provide resources to help you navigate the mortgage process smoothly.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $36,635,967 in loans helping members manage their finances effectively. These cards can be an excellent tool for building credit while enjoying rewards and benefits tailored to your spending habits.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, having a reliable tool like LendMesh at your disposal makes navigating the lending landscape much easier. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to using verified information guarantees that users receive fair and transparent offers when exploring their loan options. One of the standout features of LendMesh is its focus on verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in the lending process. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This impartial approach means users can trust that they are receiving unbiased results tailored to their financial needs. Another significant advantage is LendMesh's real-time rate comparisons. Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users have already placed their trust in LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to take control of your loan search? 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.

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