Datcu Credit Union Decatur TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Datcu, your trusted financial partner located at 600 W Ford St, Decatur, TX 76234. Since our establishment in 1936, we have proudly served our growing community, which now boasts over 107,568 members. At Datcu, we believe in empowering our members with the tools and resources they need to achieve their financial goals. As a member of our credit union, you can take advantage of a variety of services tailored to meet your needs. With total assets exceeding $1.6 billion and deposits reaching $186,768,552, we are committed to providing you with secure and reliable banking options. Our impressive portfolio includes over 65,882 loans and leases, demonstrating our dedication to helping you finance your dreams whether it's a new vehicle or a home renovation. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address at PO BOX 827, Denton, TX 76202. Under the leadership of our CEO Glen McKenzie and Board President Lee Howell, we foster a culture of community engagement and service excellence. Our team of 245 dedicated employees is here to assist you with everything from personal banking accounts to business loans. Whether you're looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards, Datcu has got you covered. We also offer convenient online and mobile banking services for easy access to your accounts anytime. We invite you to connect with us today! Call us at 866-387-8585 or visit our website at www.datcu.org for more information on how we can help you navigate your financial journey successfully. Your trust is important to us, and we're excited to support you every step of the way!

Branch History & Mission

Community Engagement

We understand the importance of giving back. Over the years, we've partnered with local organizations to support various community outreach efforts. Whether it's sponsoring local events or participating in charitable drives, we strive to make a positive impact in every way possible.

Join Us!

As we continue on this journey together, we invite you to be a part of our growing family at Datcu. Experience firsthand the benefits of membership from personalized service to comprehensive financial solutions tailored just for you. Visit us during our lobby hours from 9 a.m. - 5 p.m., Monday through Friday, or 9 a.m. - 1 p.m. on Saturdays. Our drive-thru is also open from 8 a.m. - 6 p.m., Monday through Friday. Ready to take the next step? Call us at (866) 387-8585 or visit our website today! We look forward to serving you!

Our Journey

Founded with the vision of empowering individuals and families through better financial choices, Datcu has evolved significantly over the years. From our humble beginnings, we have expanded our offerings to include a wide range of personal and business banking solutions. Today, we stand as a trusted partner for our members, providing essential services such as auto loans, mortgages, credit cards, and more. You can find us at 600 W Ford St, Decatur, TX 76234 conveniently located near local schools and parks, making it easy for you to drop by. If you need to send official correspondence, please use our mailing address: PO BOX 827, Denton, TX 76202.

Our Mission

At Datcu, our mission is clear: to provide financial services that enhance the lives of our members while giving back to the community. We believe that everyone deserves access to quality financial resources and support. Our team is committed to helping you reach your goals whether it's buying your first car or planning for retirement. We are proud to offer ADA-compliant facilities and customer-centric initiatives designed to make banking accessible for everyone. As part of our commitment to innovation, we've embraced digital advancements such as online banking and mobile payments so that you can manage your finances conveniently from anywhere.

Branch Location & Accessibility

Get in Touch

We'd love for you to visit us! If you have questions or need assistance before stopping by, feel free to give us a call at (866) 387-8585. Whether you're already a member or considering joining our community, we look forward to welcoming you at Datcu!

Local Landmarks and Accessibility

Located near the heart of Decatur, our branch is easy to find. Just a short drive from the Wise County Courthouse and close to local dining spots, you'll find us nestled in a friendly neighborhood. Plus, we offer ample parking right outside the entrance, making it easy for you to pop in. Our facility is fully ADA-compliant, ensuring everyone can access our services comfortably.

Operating Hours and Services

We know your time is valuable. That's why our lobby hours are designed with your schedule in mind: open from 9 a.m. to 5 p.m. Monday through Friday and 9 a.m. to 1 p.m. on Saturdays. Prefer a quicker visit? Our drive-thru service operates from 8 a.m. to 6 p.m. on weekdays and from 9 a.m. to 1 p.m. on Saturdays perfect for those on the go! At Datcu, we offer a range of services tailored to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgages. Our ATM is available around the clock for cash withdrawals and balance checks, ensuring you have access whenever you need it.

Member Eligibility

Becoming a member of Datcu is like joining a friendly family that's dedicated to supporting your financial journey. If you live, work, or go to school in our community, you're likely eligible to join us! We welcome individuals from various backgrounds, and the process is designed to be straightforward and inclusive. At Datcu, members enjoy personalized service, competitive rates on loans, and access to a range of products tailored just for you. To learn more about the specific eligibility criteria, check out our detailed resource at http://WWW.DATCU.ORG/more/membership . When you're ready to start your membership, opening an account is quick and easy just visit us online at https://www.datcu.org/loan-application or give us a call at (866) 387-8585. We can't wait to welcome you to the Datcu community at 600 W Ford St Decatur Tx 76234!

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 $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $67,485, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine being able to accept payments easily from your customers while managing your finances all in one place. Our services help you streamline operations, so you can focus on what you do best running your business. Located conveniently at 600 W Ford St Decatur Tx 76234 in Decatur, TX, our dedicated team is here to assist you. For more information, give us a call at (866) 387-8585 or visit our website at https://www.datcu.org/ . Let's grow together!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car, consider our auto loans and vehicle financing solutions. We provide competitive rates and flexible terms, ensuring that you can drive off with the vehicle that best suits your lifestyle.

Business Banking Services

For entrepreneurs and small business owners, we offer robust business banking services including merchant services and business loans. We know how important it is to keep your business running smoothly, and our tools are designed to support your success.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide comprehensive online and mobile banking services. From checking balances to transferring funds or even making payments, everything is at your fingertips 24/7. And don't forget about our ATM services for cash withdrawals and balance checks whenever you need them.

Credit Cards with Rewards

Who doesn't love rewards? With our credit cards, not only can you make purchases easily, but you can also earn rewards on every dollar spent. It's a simple way to save while enjoying the things you love.

Drive-Thru & ATM Services

For those who prefer face-to-face interactions for simpler transactions, our drive-thru banking allows you to handle deposits, withdrawals, and other basic tasks without leaving your vehicle. With our ATM available at the branch, accessing cash has never been easier. At Datcu, we are committed to making your banking experience as straightforward as possible. Whether you visit us at our location at 600 W Ford St Decatur Tx 76234 or connect with us online at Decatur, we're here for all your financial needs. If you have any questions or need assistance with any service, please don't hesitate to reach out by calling us at (866) 387-8585. Take control of your financial future today! Join us at Datcu, where we put members first in everything we do.

Home Financing Options

Thinking about buying a home? Our mortgage loans and refinancing options are here to help make that dream a reality. Whether you're a first-time buyer or looking to refinance an existing mortgage, our knowledgeable team will guide you through the process.

Personal Banking Solutions

We understand that personal banking is about more than just transactions; it's about building relationships and helping you succeed. That's why we offer various checking and savings accounts designed for everyday use. Need extra cash? Our personal loans and debt consolidation options can help you manage expenses without the stress.

Digital & Online Banking

Accessibility and Support

At Datcu, we strive to provide accessible services that fit into your busy lifestyle. With everything from online banking to mobile apps, our goal is to empower you with real-time account management that's as easy as a few taps on your screen. If you ever have questions or need assistance, our friendly team is always here to help. Embrace the convenience of modern banking with Datcu where managing your money is secure and straightforward!

Key Services Offered

At Datcu, our online banking platform is designed with you in mind. You can access your account anytime, anywhere through our user-friendly interface at https://www.datcu.org/ . Whether you're checking your balance, paying bills, or transferring funds, our 24/7 online banking services ensure that you have control over your finances whenever you need it. We know security is a top priority for you. That's why we offer electronic signature authorization to streamline your transactions while keeping your information safe. With features like e-statements available for easy access to your financial documents, you'll not only save time but also help the environment by reducing paper waste.

Mobile Banking Convenience

For those on the go, our mobile application is an essential tool. Available for download, it allows you to manage your accounts from the palm of your hand. Need to send money to a friend? Our person-to-person transfer feature makes this quick and hassle-free. Plus, if you're looking to make purchases without cash or cards, our mobile payments option lets you pay directly from your smartphone.

Financial Strength

Commitment to Growth and Innovation

With $262,349,597 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 $25,216 in used auto loans and $1,329,872,844 in total loans and leases.

Member Trust

Total Share and Deposit Accounts stand at 199,613, showing a strong and growing member base that trusts us with their finances. With Net Shares available for lending and investments totaling $74,510,347, we have the resources necessary to support your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Datcu is your trusted partner. Visit us at 600 W Ford St Decatur Tx 76234 or call (866) 387-8585 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 226 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secured Savings Opportunities

Members' savings are secured through $318,346,433 in share certificates and $142,859,719 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.

Solid Financial Health

With a net worth of $267,513,451, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to safeguarding your finances is reflected in our net worth ratio of $1,653, which demonstrates a solid capital foundation. This ensures 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 $505,987,788 in used vehicle loans and $249,644,639 in new vehicle loans already helping members get on the road. We make financing easy, whether you're considering a brand-new model or a reliable used vehicle. Plus, if you're thinking about refinancing your current auto loan, we have options available to potentially lower your monthly payments.

Credit Lines and Business Loans

For those who need additional flexibility, our total credit lines amounting to $177,543,548 provide an excellent option for handling unexpected expenses or funding projects. If you're a business owner, our outstanding commercial loans totaling $67,485 provide the capital needed to grow and expand your business operations. At Datcu, we believe that understanding your financial options is key to making informed decisions. If you're interested in any of our loan offerings or would like more information about eligibility requirements, please reach out to us at (866) 387-8585 or visit us during lobby hours from 9 a.m. - 5 p.m. (Monday - Thursday), 9 a.m. - 5 p.m. (Friday), and 9 a.m. - 1 p.m. (Saturday). Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $25,934,943, make buying or refinancing simple. Our experienced team is here to guide you through the process, ensuring you understand each step along the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $35,008,522 in loans helping members manage their finances effectively. These cards come with various benefits designed to assist you in budgeting and managing expenses without tying up collateral.

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 for all users. - Real-Time Rate Comparisons: Get up-to-date loan rates from multiple institutions, helping you make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" With such positive feedback, it's clear that using LendMesh can lead to significant savings and peace of mind. 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 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 commitment to transparency ensures that you receive fair and reliable offers tailored to your needs.

DATCU CREDIT UNION - Decatur, TX