Edinburg Teachers Credit Union TX | Best Auto Loans & Business Banking

Introduction

Welcome to Edinburg Teachers Credit Union, where your financial well-being is our top priority! Established in 1955, we have proudly served our community for over six decades. Located at 900 W University Dr, Edinburg, TX 78539, our branch stands as a trusted partner for all your banking needs. At Edinburg Teachers Credit Union, we are more than just a financial institution; we're a community. With a membership of 6,186 and total assets amounting to an impressive $91,825,009, we are committed to providing personalized services that fit the unique needs of our members. Whether you're looking for auto loans, mortgages, or simply a safe place to save your money, we have you covered. Our dedicated team of 18 employees works hard every day to ensure you receive the best service possible. Under the leadership of CEO Mary Carpenter and Board President Robert Tamez, we continuously strive to improve and expand our offerings. We currently have $7,433,659 in total deposits and a net worth of $21,630,478, allowing us to offer competitive rates and reliable services. While members can visit us at our physical branch for personal assistance, official correspondence should be sent to the same address: 900 W University Dr, Edinburg, TX 78539. We invite you to explore our wide range of services including checking and savings accounts, personal loans, credit cards with rewards, and business banking options. For any questions or assistance, please feel free to reach out by calling us at (956) 259-3511. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members! Visit our website at etcu.coop for more information or to get started on your financial journey with us.

Branch History & Mission

Community Engagement

We understand that being part of the community means giving back. That's why we actively participate in local events and outreach efforts aimed at enhancing the lives of our members and neighbors. Our commitment goes beyond banking; it's about building relationships and fostering a sense of belonging. In addition to traditional banking services, we embrace digital advancements with features like online banking and person-to-person payments. We are committed to ensuring accessibility for all members by maintaining ADA compliance across our facilities.

Join Us Today!

As we look forward to the future, we invite you to become part of the Edinburg Teachers Credit Union family. Experience firsthand how our mission translates into meaningful benefits for you and your community. Whether you're looking for reliable banking solutions or seeking guidance on financial matters, we are here for you. For more information or assistance, feel free to reach out at 956-259-3511 or visit us online at etcu.coop. Join us today and discover how Edinburg Teachers Credit Union can help you thrive!

Our Mission

Our mission is simple yet powerful: to empower our members through financial education and personalized services. We believe that everyone deserves access to affordable financial products that can help them achieve their goals. Whether it's saving for a home, purchasing a vehicle, or managing day-to-day expenses, we strive to provide support every step of the way. At Edinburg Teachers Credit Union, we are more than just a financial institution; we are a dedicated partner in your journey towards financial well-being. Our total assets now stand at an impressive $91,825,009, reflecting our growth and stability over the decades. This growth allows us to offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards.

Branch Location & Accessibility

Accessibility Features

At Edinburg Teachers Credit Union, we prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us with ease. We also have ample parking available for our members, making your visit as convenient as possible.

Call to Action

We invite you to visit us at Edinburg Teachers Credit Union today! If you have questions or want more information about our services, feel free to call us at 956-259-3511. Our team looks forward to assisting you on your financial journey!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours. Our drive-thru service is available Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 1 PM. Please be aware that due to current health guidelines, our lobby is closed until further notice, but our Loan and New Accounts Department is still accessible by appointment.

Services Offered

At Edinburg Teachers Credit Union, we offer a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Enjoy the convenience of our ATM services for cash withdrawals and balance checks anytime you need them. For those who prefer banking from home, we provide online and mobile banking options to make managing your finances even easier.

Member Eligibility

At Edinburg Teachers, we believe that becoming a member means joining a family that truly cares about your financial well-being. Our community is open to anyone who lives, works, or attends school in the Hidalgo County area. This means if you're part of our vibrant community in Edinburg, you can easily become a member and take advantage of the many benefits we offer, such as competitive rates on loans and personalized service. We understand that everyone's journey is unique, so we've made it simple for you to get started. To check out the specific eligibility details, feel free to visit our website at . If you're ready to open an account or have any questions, just give us a call at (956) 259-3511 we're here to help! Come visit us at our branch located at 900 W University Dr Edinburg Tx 78539 and let's work together towards your financial goals.

Business Banking & Commercial Services

Merchant Services That Empower

Imagine having the ability to accept payments seamlessly, no matter where your customers are. Our merchant services offer practical tools that help streamline your transactions. Whether you're running a brick-and-mortar store or an online shop, our solutions enable you to focus on what matters most growing your business. Located conveniently at 900 W University Dr Edinburg Tx 78539, Edinburg, TX 78539, our team is ready to partner with you in your business endeavors. Give us a call at (956) 259-3511 to learn more about how we can assist you today!

Tailored Business Loans

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.

Comprehensive List Of Services

Business Banking Services

Business owners can take advantage of our comprehensive business banking services. We offer merchant services that simplify payment processing and business loans designed for growth opportunities. Our team is here to help your business thrive in today's competitive landscape.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts from anywhere. Check balances, transfer funds, and pay bills all at your fingertips! Additionally, our ATM services provide easy access for cash withdrawals and balance checks whenever you need them.

Drive-Thru & ATM Accessibility

For those who prefer face-to-face interactions without leaving their vehicle, our basic drive-thru banking provides essential services like deposits, withdrawals, and simple transactions during regular hours. With an available ATM on-site, accessing cash has never been easier. No matter where you are in life or what financial goals you have set for yourself, Edinburg Teachers is committed to being there for you every step of the way. If you're ready to learn more about how we can help meet your financial needs or want assistance with any of our services, feel free to give us a call at (956) 259-3511 or visit us in person! Together, let's build a brighter financial future!

Personal Banking Solutions

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Need a reliable way to manage everyday expenses? Our checking accounts offer easy access to your funds with no monthly fees. Looking to grow your savings? Our savings accounts come with competitive interest rates, helping you achieve your financial goals faster. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it simple to get behind the wheel of your dream car. Plus, if you're ready to buy a home or refinance an existing mortgage, our mortgage loans provide flexible terms that suit your budget.

Support for Your Financial Goals

For those unexpected expenses or planned purchases, our personal loans are here to help. Whether it's consolidating debt or funding a special project, we aim to provide quick and affordable solutions. And don't forget about our credit cards with rewards, which let you earn points on everyday purchases perfect for treating yourself while managing expenses wisely.

Digital & Online Banking

Key Services

Our online banking platform lets you manage your accounts with ease. You can check balances, make transfers, and pay bills all from the comfort of your home or on the go. Plus, if you're looking to send money to friends or family quickly, our person-to-person transfer feature makes it as easy as sending a text message. For those who prefer paperless transactions, we offer e-statements that allow you to receive your account statements electronically. This not only helps the environment but also provides easy access to your financial records whenever you need them.

On-the-Go Access

If you're always on the move, you'll appreciate that our online banking services are accessible from any device with internet access. Whether you're using a computer or a smartphone browser, managing your account is just a few clicks away. In summary, Edinburg Teachers provides robust digital banking solutions that cater to all your needs while ensuring ease of use and security. Join us today and experience a new level of banking convenience!

User-Friendly Experience

While convenience is key, security is our top priority. Our platform ensures that your information remains safe while giving you peace of mind as you conduct transactions online. Although we currently do not support electronic signature authorization or mobile payments through apps, our straightforward website makes managing your finances intuitive and hassle-free.

Financial Strength

A Growing Community

With a total of 9,419 share accounts, we showcase a strong and growing member base that trusts us with their finances. This reflects the confidence our community has placed in us over the years. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Edinburg Teachers is your trusted partner. Visit us at 900 W University Dr Edinburg Tx 78539 or call (956) 259-3511 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $3,274,161 in share certificates, offering stable and rewarding growth opportunities. While we prioritize our members' needs, it's noteworthy that we have $0 in non-member deposits. This means our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is evident through our $0 figure, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 18 full-time employees ready to assist you with knowledgeable service.

Reinvestment for Growth

With $21,557,791 in undivided earnings, we reinvest in innovative banking tools and stronger lending options. This allows us to enhance security measures and serve you better. Our lending capacity is substantial, with $405 in used auto loans and a total of $21,531,185 available for loans and leases. We are dedicated to supporting your financial goals across various sectors.

Strong Financial Health

With a net worth of $21,630,478, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to your financial well-being is reflected in our net worth ratio of $2,354, demonstrating a solid capital foundation. This ensures that we can continue providing loans and competitive savings rates 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 $9,775,669 in used vehicle loans and $4,729,382 in new vehicle loans already helping members get on the road. Whether you're buying a new or used vehicle, our competitive rates make it easier for you to drive away happy.

Credit Lines

For those looking for additional flexibility in managing finances, our total credit lines amount to $5,996,801. This can be an excellent option for members who want access to funds as needed without the commitment of a traditional loan.

Mortgage Options

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we have no Junior Lien 1-4 Family Residential Properties loans available, but we are committed to providing tailored solutions for your housing needs when they arise.

Refinancing and Eligibility

If you're considering refinancing any existing loans or want to explore eligibility options for our products, our team is here to assist you every step of the way. We are dedicated to making the borrowing process straightforward and accessible. At Edinburg Teachers, our goal is to provide resources that empower you financially. For more information about our loan offerings or to start your application process today, feel free to contact us at (956) 259-3511 or visit us at 900 W University Dr Edinburg Tx 78539. 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 towards achieving your financial dreams!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $457,774 in loans helping members manage their finances effectively. These cards can be a great way to cover unexpected expenses while enjoying convenient repayment options.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, allowing for informed decision-making. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*

Ensuring Accurate 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 ensures that users receive fair and transparent offers tailored to their needs.