Education First Credit Union Beaumont TX | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Education First Federal Credit Union, where your financial journey is our top priority. Located at 4350 Laurel St, Beaumont, TX 77707, we have proudly served our community since 1952. With a robust membership of over 32,625 individuals, we are dedicated to providing personalized banking services that empower you to achieve your financial goals. As a member-owned institution, we understand the importance of trust and reliability in managing your finances. Our total assets stand at an impressive $622,827,882, reflecting our commitment to supporting you through various life stages. Whether you're looking for auto loans, mortgages, or personal banking solutions, our team is here to help you every step of the way. While members can visit us at our branch for friendly service and expert advice, official correspondence should be sent to our mailing address: 7025 Eastex Freeway, Beaumont, TX 77706-6515. At Education First FCU, we're not just about numbers; we're about making a difference in our community. With total deposits reaching $13,272,048 and net worth of $53,858,908, we work diligently to ensure that your money is secure while also giving back through various community initiatives. Our leadership team is led by CEO Urjit Patel and Board President Chris Busch, both deeply committed to fostering an environment where members feel valued and supported. We currently employ 155 dedicated professionals who are ready to assist you with all your banking needs. We invite you to explore what we have to offer by visiting our website at Education First FCU or calling us at 409-896-8793. Discover how we can help you thrive financially today!

Branch History & Mission

Community Engagement

Education First Federal Credit Union believes in giving back. We actively engage with local initiatives and partner with organizations that uplift our community. By doing so, we not only support our members but also contribute positively to the environment around us. As we look toward the future, we are committed to maintaining high standards of service while embracing advancements that make banking easier for everyone. Whether it's through online banking or mobile payments, we're here to ensure your needs are met efficiently and effectively. We invite you to join us at Education First Federal Credit Union! Experience firsthand how we can help you achieve your financial goals while being part of a caring community. To learn more about membership opportunities or open an account today, visit us online at Education First FCU or call us at 409-896-8793. Let's grow together!

Our Mission

At Education First, our mission is clear: we are dedicated to empowering our members through accessible financial services while fostering a strong sense of community support. We strive to provide an array of offerings from personal banking solutions like checking and savings accounts to auto loans and business banking services tailored to meet the unique needs of each member. We understand that financial wellness is more than just numbers; it's about enhancing lives and building lasting relationships. This commitment drives us as we continue to innovate and adapt our services for the betterment of our members' experiences. Our operating hours are designed with convenience in mind: 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. We also offer ATM access and drive-thru banking for quick transactions.

Branch Location & Accessibility

Convenient Access and Features

Parking at our branch is ample and free, ensuring that your visit is hassle-free. We take pride in being accessible to everyone, with features such as ADA-compliant ramps and pathways that make it easy for all members of our community to enter. At Education First Federal Credit Union, we understand that your time is valuable. That's why we offer both ATM availability and drive-thru banking services. This allows you to manage your finances quickly without leaving the comfort of your vehicle. Our drive-thru is available during convenient hours for deposits and withdrawals.

Get in Touch

We invite you to explore all that Education First has to offer! If you have questions or need assistance before your visit, don't hesitate to call us at 409-896-8793. Our friendly staff looks forward to serving you!

Operating Hours

Our dedicated team is here to assist you Monday through Friday from 9:00 A.M. to 5:00 P.M., and on Saturdays from 9:00 A.M. until noon. Feel free to stop by during these hours; we're always ready to help with personal banking services like checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and more.

Member Eligibility

Becoming a member of Education First is like joining a welcoming family that supports your financial journey. If you live, work, or study in the area, you're likely eligible to join us! We believe in making banking accessible for everyone, which is why our membership criteria are designed to be inclusive and straightforward. To learn more about specific eligibility requirements, feel free to check out our detailed guide at https://educationfirst-cloud.lending360.com/accountopening/application?membershipanchorset=true#/membership. Once you know you're eligible, opening an account is a breeze! You can start your application online by visiting https://internetloanapplication.cudl.com/educationfirstfcu/?_ga=2.247363780.1392986841.1672179919-1944004256.1651503353, or simply give us a call at (409) 896-8793 if you have any questions. We're here to help you every step of the way as you take this important step towards better financial health at Education First, located at 4350 Laurel St Beaumont Tx 77707. Join us today and experience the benefits of being part of our community!

Business Banking & Commercial Services

Lending That Fuels Growth

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 That Simplify Operations

Imagine a busy Saturday morning at your café. Customers are lined up, eager to enjoy their favorite brews. Our merchant services streamline payments, making transactions quick and hassle-free. By integrating innovative payment solutions, we ensure you can focus on what matters most serving your customers. Located conveniently at 4350 Laurel St Beaumont Tx 77707 in Beaumont, TX, we're here to partner with you on your journey toward success. Discover how we can elevate your business today! For more information, call us at (409) 896-8793 or visit our website at https://www.educationfirstfcu.org/.

Comprehensive List Of Services

Accessibility and Convenience

We pride ourselves on being accessible to all members of our community. Our branch features a drive-thru service for quick transactions like deposits and withdrawals without leaving your car. Whether it's a simple transaction or something more complex, we're here to make banking easy for you. At Education First Federal Credit Union, we believe in empowering our members with the tools they need to succeed financially. With dedicated staff ready to assist you and a variety of services at your fingertips, there's no better time to take control of your finances. Ready to explore how we can assist you? Give us a call at 409-896-8793 or visit us online at [Education First](https://www.educationfirstfcu.org/). Your financial journey starts here!

Business Banking Services

For our local entrepreneurs, we offer robust business banking solutions. From merchant services that simplify transactions to business loans that fuel growth, we're committed to supporting your venture's success. We know that running a business requires flexibility and trust qualities that define our approach at Education First.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts from anywhere at any time. You can easily transfer money, check balances, and pay bills right from your smartphone or computer. Plus, with ATM access available for cash withdrawals and balance checks, getting cash when you need it has never been easier.

Loans and Debt Management

Life can be unpredictable, and sometimes you need extra funds. That's where our personal loans come into play. They can provide relief during tough times or help consolidate debt into manageable payments. Our team is here to guide you through the process so you can focus on what matters most.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that help you manage your day-to-day expenses while also saving for future goals. Imagine opening a checking account that not only provides easy access to your funds but also offers rewards for everyday purchases through our credit card options. With Education First, you can enjoy competitive rates on auto loans and vehicle financing, making it easier to drive away in the car of your dreams. If you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans are designed with favorable terms to assist you in making one of life's biggest investments.

Digital & Online Banking

At Education First, we understand that managing your finances should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to make your life easier, no matter where you are. With our robust online banking platform, accessible at https://www.educationfirstfcu.org/, you can check your account balances, transfer funds, and pay bills anytime, day or night. Our 24/7 online banking service means you're always in control of your money. Plus, with electronic signature authorization available, signing documents is quick and hassle-free. We also provide e-statements so you can keep track of your transactions without the clutter of paper statements. This feature not only helps the environment but also makes it easy to access your financial records whenever you need them. For those on the go, our mobile application brings all these features right to your fingertips. You can enjoy mobile payments for a swift checkout experience and use person-to-person transfers to send money to friends or family instantly. Whether you're splitting a dinner bill or paying back a loan, it's all just a tap away. At Education First, security is our top priority. Our digital banking services come with advanced security measures to protect your personal information while providing a user-friendly experience that anyone can navigate easily. Discover how effortless managing your finances can be with our digital and online banking services at Education First!

Financial Strength

At Education First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our commitment to sound financial practices, we work hard to ensure that your money is safe and growing. 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. 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. 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. We have $5793 in used auto loans and a total of $385,930,521 in loans and leases; our lending capacity supports members' financial goals across various sectors. Our financial performance is reflected in our operations; this year's net income of -$1,339,236 shows the challenges we've faced but also highlights our ongoing commitment to operational efficiency as we strive to improve and adapt. 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 and committed team. Total Share Accounts stand at an impressive 75,521, showcasing 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, Education First is your trusted partner. Visit us at 4350 Laurel St Beaumont Tx 77707 or call 409-896-8793 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.

Loan Offering

Additional Financing Options

For those who may need more specialized financial solutions, we provide various credit lines totaling $198,272,498. This can be an excellent choice for managing cash flow or funding unexpected expenses. If you're a business owner looking for support, our outstanding commercial loans totaling $14,357,990 provide the capital needed to grow and expand your business.

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. We cater to both new and used car buyers, ensuring you find an option that fits your budget and lifestyle.

Mortgage Loans

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 flexible terms and competitive rates to make your journey toward owning a home as straightforward as possible.

Refinancing and Eligibility

We know that financial situations can change over time. That's why we offer refinancing options that can help lower your monthly payments or free up cash for other needs. To see if you're eligible for any of our loan products or refinancing options, visit us online or call us at (409) 896-8793. 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 Education First in Beaumont, TX (4350 Laurel St Beaumont Tx 77707), we're here to assist you every step of the way in achieving your financial dreams. Explore our loan offerings today!

Unsecured Credit Card Loans

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. Our credit cards come with attractive rewards and low interest rates to help you make the most of your spending.

Loan Aggregator

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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 sourcing ensures fair and transparent offers for all users. Each loan comparison reflects up-to-date information, allowing potential borrowers to see accurate rates and terms.

Education First