Education First Credit Union Beaumont TX | Best Auto Loans & Business Banking

Introduction

Welcome to Education First Federal Credit Union, your trusted partner in financial wellness since 1952. Located at 4695 Rolfe Christopher Dr, Beaumont, TX 77705, we are proud to serve our community with a commitment to personalized banking solutions that meet the unique needs of our members. With a total membership of 32,625 and assets amounting to $622,827,882, we strive to create a welcoming environment where you can achieve your financial goals. At Education First, we understand that every member has distinct financial needs. That's why we offer a wide range of services, including personal banking, auto loans, mortgage options, and business banking solutions. Our dedicated team of 155 employees, led by CEO Urjit Patel and Board President Chris Busch, is here to provide support and guidance every step of the way. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 7025 Eastex Freeway, Beaumont, TX 77706-6515. You can reach us at 409-898-3770 for any inquiries or assistance you might need. With total deposits of $13,272,048 and cash in hand amounting to $6,434,828, we are well-equipped to help you with your financial endeavors. Whether you're looking for an auto loan or want to consolidate debt with a personal loan, our competitive rates and flexible terms make it easier for you to succeed. Join us in building a brighter financial future together! Visit our website at educationfirstfcu.org or stop by our branch today to learn more about how we can assist you on your financial journey. We look forward to welcoming you into the Education First family!

Branch History & Mission

At Education First Federal Credit Union, we take pride in our rich legacy of serving the community since 1952. Founded with a vision to provide accessible financial services, our branch located at 4695 Rolfe Christopher Dr, Beaumont, TX 77705, has grown alongside our members, reflecting the evolving needs of our community. With a total membership of over 32,000 and assets amounting to $622,827,882, we have become a trusted partner for countless families and individuals in Beaumont. Our mission is simple yet powerful: to empower our members through comprehensive financial services while fostering a spirit of community support. We understand that financial well-being is crucial for everyone, so we offer a wide range of products tailored to meet diverse needs from checking and savings accounts to auto loans and mortgage refinancing. We are dedicated to ensuring that each member feels valued and supported on their financial journey. As we embrace modern technology, Education First ensures that our services are not only efficient but also user-friendly. Our digital offerings include online banking and mobile payments, making it easier for members to manage their finances anytime, anywhere. We are also proud to provide ADA-compliant facilities for all visitors. While members can visit us at our branch address for personal service during our operating hours Monday through Friday from 9:00 A.M. to 5:00 P.M., and Saturday from 9:00 A.M. to 12:00 P.M. official correspondence should be sent to our mailing address at 7025 Eastex Freeway, Beaumont, TX 77706-6515. Our commitment extends beyond banking; we actively engage in community outreach initiatives that aim to uplift those around us. By forming partnerships with local organizations and participating in various events, we strive to make a positive impact in Beaumont. We invite you to join us at Education First Federal Credit Union. Experience firsthand the benefits of being part of a credit union that puts its members first while helping you achieve your financial goals! For more information or assistance, feel free to reach out at (409) 898-3770 or visit our website at Education First FCU. Your future starts here!

Branch Location & Accessibility

Accessibility Features

At Education First, we prioritize accessibility for all our members. Our branch is fully ADA compliant and equipped with ramps and other features that make it easier for everyone to access our services.

Finding Us

Our branch is situated near well-known landmarks, making it easy to find. Just a short drive from the vibrant Beaumont area, we are accessible and ready to welcome you. You'll find ample parking available right outside, ensuring a hassle-free visit.

Get in Touch

Ready to visit us? Don't hesitate! Stop by today or give us a call at 409-898-3770 if you have any questions or need assistance before your visit. We look forward to serving you at Education First Federal Credit Union!

Operating Hours

We understand that your time is valuable! That's why we're open Monday through Friday from 9:00 A.M. to 5:00 P.M. On Saturdays, our drive-thru service operates from 9:00 A.M. to 12:00 P.M., providing you with flexible options that fit into your busy schedule.

Services Offered

Our branch offers a variety of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and credit cards that come with rewards. Plus, we have convenient ATM access for cash withdrawals and balance checks right on-site. If you prefer the drive-thru option for simple transactions like deposits and withdrawals, we've got you covered there too!

Member Eligibility

At Education First, we believe that everyone deserves the chance to be part of a community that cares. Becoming a member is as simple as meeting a few friendly criteria. If you live, work, or go to school in our local area, or have family who do, you're likely eligible to join us! We welcome individuals from all walks of life and are dedicated to providing personalized financial services that cater to your needs. By becoming a member at Education First, you'll enjoy benefits like competitive rates on loans and savings accounts, access to various financial products, and a supportive network that prioritizes your financial well-being. To learn more about the specific eligibility requirements and how easy it is to get started, check out our detailed guidelines at https://educationfirst-cloud.lending360.com/accountopening/application?membershipanchorset=true#/membership. Once you're ready to open an account, just visit us online at https://internetloanapplication.cudl.com/educationfirstfcu/?_ga=2.247363780.1392986841.1672179919-1944004256.1651503353 or give us a call at (409) 898-3770. We're excited to welcome you into the Education First family and help you achieve your financial goals!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $51 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 $14,357,990, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's competitive market, efficient payment processing can set you apart. Our merchant services allow businesses to accept payments seamlessly whether it's through card transactions or mobile payments making it easier for you to focus on what matters most: serving your customers and growing your brand. Ready to take your business to the next level? Visit us at 4695 Rolfe Christopher Dr Beaumont Tx 77705 in Beaumont, TX, or call us at (409) 898-3770 to learn more about how our tailored solutions can benefit you!

Comprehensive List Of Services

Business Banking

We understand that small businesses are the backbone of our community. That's why we offer tailored business banking services, including merchant services and business loans. These options can help streamline your operations and provide the funding needed to grow your business.

Call to Action

Ready to take the next step towards better financial health? Explore our services today at Education First or stop by our branch during operating hours: Monday through Friday from 9:00 A.M. - 5:00 P.M., and Saturday from 9:00 A.M. - 12:00 P.M. Let's work together towards achieving your financial goals!

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. That's why at Education First, we prioritize digital banking features. Our online and mobile banking platforms allow you to manage your accounts from anywhere at any time. Need cash? We offer ATM and cash withdrawal services, ensuring you have access when you need it most.

Drive-Thru & ATM Services

For those who prefer face-to-face interactions but still want speed, our basic drive-thru banking provides quick deposits, withdrawals, and simple transactions without leaving your vehicle. Additionally, our ATMs are readily available for balance checks and cash withdrawals whenever you're on the go. In summary, Education First Federal Credit Union is committed to supporting all aspects of your financial journey from personal needs to business aspirations. We invite you to visit us at 4695 Rolfe Christopher Dr, Beaumont, TX 77705, or give us a call at 409-898-3770.

Personal Banking

When it comes to personal banking, our offerings include checking and savings accounts designed for everyday needs. Imagine having access to an account that not only keeps your money safe but also helps it grow. With auto loans and vehicle financing, we can help you get behind the wheel of your dream car without breaking the bank. If homeownership is on your radar, our mortgage loans and refinancing options can assist you in making that dream a reality. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services provide a safety net. Plus, don't forget about our credit cards with rewards perfect for earning points on everyday purchases!

Digital & Online Banking

Key Features

Our digital banking services include electronic signature authorization, allowing you to complete transactions quickly and securely without the need for paper forms. We also provide e-statements, so you can view your account statements online and reduce clutter in your mailbox. Need to send money to a friend or family member? Our person-to-person transfer feature makes it hassle-free just a few taps and the money is sent directly to their account. Additionally, our mobile payments feature lets you make purchases right from your phone, simplifying everyday transactions.

Security First

At Education First, we prioritize your security. Our online banking services are equipped with advanced security measures to keep your information safe. You can feel confident knowing that your financial data is protected while you manage your accounts from the comfort of home or on the move. With all these features combined, Education First ensures that banking is not only convenient but also secure and accessible for all our members. Explore more about what we offer by visiting us at https://www.educationfirstfcu.org/ and take control of your finances today!

Financial Strength

Commitment to Innovation

With $53,141,933 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 $5793 in used auto loans and $385,930,521 in total loans and leases.

Dedicated Team

We also take pride in having 154 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team. This level of staffing allows us to provide personalized service that truly meets your needs.

Growing Member Base

Total Share and Deposit Accounts stand at 75,521, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $7,550,936, further emphasizing our commitment to the community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Education First is your trusted partner. Visit us at 4695 Rolfe Christopher Dr Beaumont TX 77705 or call 409-898-3770 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.

Member Savings and Security

Members' savings are secured through $188,678,620 in share certificates and $87,677,265 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.

Operational Efficiency

Our -$1,339,236 net income reflects our operational efficiency challenges but emphasizes our commitment to serving you with quality products tailored to your needs. We are dedicated to turning this around for the benefit of our members.

Strong Financial Health

With a net worth of $53,858,908, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 863 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 $100,090,887 in used vehicle loans and $61,768,069 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got you covered.

Credit Lines and Unsecured Loans

For those seeking additional credit options, our total credit lines amount to $198,272,498, offering flexibility for both personal and business needs. We also offer flexible terms on unsecured credit card loans, with a total of $18,378,982 in loans helping members manage their finances effectively.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,646,093, make buying or refinancing simple. We provide competitive rates and flexible terms to fit your needs.

Refinancing and Eligibility

We recognize that life changes may lead you to consider refinancing your existing loans. Our team is ready to assist you with refinancing options tailored to your situation. To find out if you're eligible for any of our loan products or refinancing options, please visit our eligibility page here. For more information or to start the application process today, don't hesitate to give us a call at 409-898-3770 or visit us online at Education First Federal Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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Education First