Doches Credit Union Hemphill TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to Doches at our Hemphill Branch, located at 2120 Worth St, Hemphill, TX 75948. Since our establishment in 1951, we have been dedicated to serving the financial needs of our community with trust and reliability. With over 11,763 members, we pride ourselves on being a cornerstone of support for families and businesses in Hemphill and beyond. As part of the Doches Credit Union, we have grown significantly, currently boasting total assets of $65,540,382 and total deposits reaching $3,098,043. Our commitment to you is reflected in our robust lending portfolio of 3,228 loans and leases, designed to help you achieve your goals be it purchasing a home, financing a vehicle, or consolidating debt. Our leadership team is here to guide you every step of the way. Under the stewardship of CEO Cody Derouen and Board President Freddie Gibson, our dedicated staff of 26 employees is ready to assist with personalized service that makes banking easier for everyone. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 2120 Worth St, Hemphill, TX 75948. At Doches, we are more than just a credit union; we are a community partner. Our goal is not only to provide exceptional financial services but also to foster lasting relationships with our members. Whether you're looking for checking accounts, auto loans, or online banking solutions, we've got you covered. Feel free to reach out by calling us at 409-787-4161 or explore more about our offerings on our website at dochescu.com. We invite you to join our growing family today!

Branch History & Mission

Community Connection

Our commitment goes beyond banking; it's about being an active part of the Hemphill community. We engage in various outreach efforts and partnerships that promote financial literacy and support local events. Whether it's sponsoring community festivals or hosting educational workshops, we strive to make a positive impact in everything we do.

Modern Banking Solutions

In today's fast-paced world, we understand that convenience is key. That's why we offer online and mobile banking services, allowing you to manage your finances on your terms. Whether you need help with setting up an account or have questions about your loans, our dedicated team is here for you. You can reach us at (409) 787-4161 during our operating hours from 8:30 AM to 5:00 PM Monday through Friday. Join us at Doches Credit Union and discover the difference a community-focused credit union can make in your financial journey. Together, let's build a brighter future for Hemphill! Visit us today or explore more about our services at Doches Credit Union.

Our Mission

At Doches, our mission is clear: to provide exceptional financial services while supporting the growth and prosperity of our community. We believe in empowering individuals and families through accessible banking options, including personal accounts, auto loans, mortgages, and business banking services. Our focus extends beyond just financial transactions; we aim to build lasting relationships and support local initiatives that enrich the lives of those around us. While members can visit us at 2120 Worth St Hemphill Tx 75948, official correspondence should be sent to 2120 Worth St, Hemphill, TX 75948. We're conveniently located near several local landmarks, making it easy for you to stop by during your daily activities.

Our Story

The journey of Doches Credit Union began over seven decades ago, driven by a mission to foster financial well-being among our members. As a local credit union, we pride ourselves on offering personalized services that reflect the unique needs of our community. Our rich history is filled with milestones that highlight our commitment to excellence and growth. From expanding our loan offerings to enhancing member services, every step has been taken with our members' best interests at heart.

Branch Location & Accessibility

Accessibility Features

At the Doches Hemphill Branch, we understand the importance of accessibility. Our facility is designed to accommodate everyone, featuring ADA-compliant entrances and ramps for easy access. We also have ample parking available for those visiting by car.

Directions and Nearby Landmarks

Our branch sits in a friendly neighborhood within Sabine County, making it a perfect spot for local residents. You can easily reach us from nearby attractions like Lake Toledo Bend, which is just a short drive away. The surrounding area is well-connected, ensuring you can visit us without any hassle.

Operating Hours and Services

We're open Monday through Friday from 8:30 AM to 5:00 PM, giving you plenty of time to take care of your banking needs. While we don't have ATM services on-site, our drive-thru banking allows you to make deposits and withdrawals with ease. Our friendly staff is always ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. If you have any questions or want to learn more about what we offer, don't hesitate to give us a call at 409-787-4161. We invite you to visit the Doches Hemphill Branch soon and experience our commitment to serving your financial needs!

Member Eligibility

At Doches, we believe that everyone deserves a chance to be part of a welcoming community where your financial needs are understood and prioritized. Becoming a member is simple and open to many! If you live, work, or worship in the area, you're likely eligible to join us. We also welcome family members of existing members, making it easier for you to connect with those who share similar values and goals. The benefits of membership include personalized service, competitive rates on loans and savings, and access to a variety of financial products designed just for you. To learn more about the specific eligibility requirements, feel free to check out our website at . Once you're ready to start your journey with us, opening an account is straightforward. Just visit us online at http://www.dochescu.com/loans/loans/auto-loans .html or give us a call at (409) 787-4161 if you have any questions. We're excited to help you take the first step toward better banking at our branch located at 2120 Worth St Hemphill Tx 75948!

Business Banking & Commercial Services

Comprehensive Merchant Services

In addition to loans, we provide essential merchant services that simplify payment processing for your business. Imagine a busy Saturday where customers are lining up at your store. With our efficient merchant services, you can accept payments easily and securely, ensuring a smooth experience for both you and your customers. Explore how Doches can be your partner in success. Visit us today or call us at 409-787-4161!

Empowering Local Businesses

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Whether you're looking to expand your operations or manage day-to-day expenses, we offer various commercial loan options designed for your needs. - 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

ATM & Cash Withdrawal Services

While we currently do not have ATMs at our branch location, our drive-thru service allows for simple transactions like deposits and withdrawals without leaving your vehicle. We strive to make banking as effortless as possible. At Doches, located at 2120 Worth St Hemphill Tx 75948, we pride ourselves on delivering excellent service with a personal touch. If you're ready to take charge of your financial journey or if you have any questions about our offerings, don't hesitate to reach out! Call us at (409) 787-4161 during our lobby hours from 8:30 AM to 5:00 PM on weekdays. We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options allow you to drive away in your dream car without breaking the bank. With flexible terms and competitive interest rates, we help make car ownership accessible for everyone.

Business Banking

For our local entrepreneurs and business owners, we offer comprehensive business banking services including merchant services and business loans. We understand the challenges of running a business and are committed to supporting your growth with tailored financial solutions.

Credit Cards with Rewards

Our credit cards not only provide convenience but also rewards for using them. Imagine earning points on everyday purchases that can be redeemed for cash back or travel perks it's just another way we aim to benefit our members.

Mortgage Loans & Refinancing

For those considering homeownership or looking to refinance an existing mortgage, we offer mortgage loans that suit various budgets and lifestyles. Our expert team can guide you through the process, ensuring that you understand each step along the way.

Online & Mobile Banking

In today's fast-paced world, managing your finances should be convenient. With our online and mobile banking features, you can access your accounts anytime, anywhere. Check balances, transfer funds, pay bills, and more all from the comfort of your home or on the go.

Personal Banking

One of the cornerstones of our offerings is personal banking. We provide checking and savings accounts that make it easy for you to manage your money. Imagine having a simple way to save for a dream vacation or keep track of your daily expenses all while enjoying competitive rates and no hidden fees.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come into play. Whether you need funds for home repairs, medical bills, or debt consolidation, we're here to help lighten your financial load.

Digital & Online Banking

Key Features

One of the standout features is our online banking platform, which provides real-time account management right at your fingertips. Need to pay a bill or transfer money? Our person-to-person transfer feature makes it easy to send money to friends and family without any hassle. Plus, with electronic signature authorization, signing important documents has never been simpler or more secure. If you're someone who prefers paperless options, you'll appreciate our e-statements availability. No more cluttering up your inbox; you can view and manage all your statements online. This not only saves trees but also keeps your financial records organized and easily accessible.

Mobile Application

For those on the go, our mobile application offers full functionality right from your smartphone. You can check balances, make transfers, and even deposit checks all from the comfort of your own device. Although mobile payments are not available yet, rest assured that our app covers all other essential banking needs. With these digital tools, Doches ensures that you have everything you need for effective financial management in one place. Enjoy the peace of mind that comes with knowing your information is secure while benefiting from the convenience of modern banking solutions. Get started today by exploring our services at https://www.dochescu.com/ !

Financial Strength

Commitment to Growth

We are committed to reinvesting in our community and our services. With $8,154,064 in undivided earnings, we invest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $1,257 in used auto loans and $46,125,051 in total loans and leases.

Growing Membership Base

Our dedication to service is evident as we proudly support 16,543 total share accounts, showing a strong and growing member base that trusts us with their finances. Additionally, net shares amounting to $102,053 demonstrate the funds available for lending and investments. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Doches is your trusted partner. Visit us at 2120 Worth St Hemphill Tx 75948 or call (409) 787-4161 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 26 full-time employees ready to assist you with personalized service.

Secure Savings Options

Members' savings are secured through $12,877,428 in share certificates and $3,593,694 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members' needs over traditional banking models. With non-member deposits at $0, our focus remains on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $8,154,064, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strength is reflected in our net worth ratio of $1,244, demonstrating 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 $22,792,063 in used vehicle loans and $9,649,107 in new vehicle loans already helping members get on the road. Whether you need financing for a brand-new model or a reliable used vehicle, we have options that can fit your budget.

Credit Lines and Unsecured Loans

For those who prefer flexibility in their spending, we provide credit lines totaling $4,500,000. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $361,844 in loans helping members manage their finances effectively. This means you can access funds when needed without having to secure them against an asset.

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, our dedicated team is here to assist you with information and resources on alternative options that may suit your needs.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt into one manageable loan, our refinancing options can help streamline your financial commitments. Speak with our team to learn more about eligibility and how refinancing could benefit you. At Doches, we're committed to supporting our community's financial well-being. For more information on any of our loan products or to discuss which option is right for you, please don't hesitate to reach out! You can contact us at 409-787-4161, visit us at 2120 Worth St Hemphill Tx 75948, or explore our website at www.dochescu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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. This tool is designed to help you navigate the lending landscape with ease and confidence. LendMesh ensures accurate loan comparisons through a robust data sourcing system. Loan data on LendMesh is obtained 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 users receive fair and transparent offers tailored to their needs. One key benefit of using LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in the options presented to you. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. The goal here is straightforward: provide unbiased results that empower users to make informed decisions. Moreover, LendMesh offers real-time rate comparisons. This means you get up-to-date information on loan rates from multiple institutions, allowing you to find the best options available without delay. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" To explore your options further and compare real-time loan offers today, visit LendMesh and discover 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.

DOCHES CREDIT UNION - Hemphill, TX