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

Introduction

Welcome to Education First Federal Credit Union, where we believe in putting our members first and fostering a strong sense of community. Located at 155 W Monroe St, Kountze, TX 77625, our branch has been serving the local area since 1952. With a solid membership base of over 32,625 individuals, we take pride in providing exceptional financial services tailored to meet the unique needs of our community. At Education First, we're committed to your financial well-being. Our total assets amount to an impressive $622,827,882, showcasing our stability and ability to support you with various loan options, which currently stand at 26,824 loans and leases. We also offer competitive deposit rates with total deposits reaching $13,272,048. Our net worth of $53,858,908 reflects our dedication to prudent financial management and growth. Your trust is important to us. Under the leadership of CEO Urjit Patel and Board President Chris Busch, our team of 155 employees is here to assist you with everything from personal banking needs to business financing solutions. While members can visit us at our Kountze location for face-to-face service, official correspondence should be directed to our mailing address at 7025 Eastex Freeway, Beaumont, TX 77706-6515. Explore what we have to offer by visiting our website at Education First FCU. Whether you're looking for checking accounts, auto loans, mortgage options, or credit cards with rewards, we are here to help you every step of the way. Feel free to call us at (409) 896-8757 during our convenient hours: Monday through Friday from 9:00 A.M. - 5:00 P.M., and Saturday from 9:00 A.M. - 12:00 P.M. Join us today and experience the difference that comes with being a member of Education First!

Branch History & Mission

Community Commitment

We believe in giving back to the Kountze area through various outreach programs and partnerships with local organizations. Whether it's hosting financial education workshops or participating in community events, we work hard to make a positive impact on those around us. As part of our commitment to modern banking practices, we offer user-friendly online and mobile banking options that enable members to manage their accounts conveniently. Additionally, we prioritize accessibility and compliance with ADA standards so that everyone in our community can benefit from our services.

Join Us Today

We invite you to experience the many benefits of being part of Education First Federal Credit Union. With a range of services including personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking solutions, there's something for everyone. Join us on this journey towards financial empowerment and community support together, we can build a brighter future for all! For more information or to become a member today, please visit us online at Education First Federal Credit Union or call us at 409-896-8757.

Our Mission

At Education First, our mission goes beyond just banking; it's about building strong relationships and fostering community development. We strive to provide accessible financial solutions that enhance the lives of our members while actively supporting local initiatives and charities. Our team believes in the power of education and financial literacy as key components for personal and community growth. While members can visit us at 155 W Monroe St, official correspondence should be sent to 7025 Eastex Freeway, Beaumont, TX 77706-6515 if different from our branch address. We are open 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., ensuring we are available when you need us.

Branch Location & Accessibility

Accessibility and Parking

We believe that everyone should have easy access to their financial services. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking for all visitors. Whether you're coming in for a quick transaction or a detailed consultation, we strive to make your experience as comfortable as possible.

Connect With Us

Have questions or need assistance? Don't hesitate to call us at 409-896-8757. We're excited to welcome you into our community and support your financial journey. Stop by today and discover how we can help you achieve your goals!

Operating Hours

Our friendly team is ready to assist you Monday through Friday from 9:00 A.M. to 5:00 P.M., and on Saturdays from 9:00 A.M. to 12:00 P.M. We understand that life can be busy, so we keep our hours flexible for your convenience.

Services Offered

At Education First Federal Credit Union, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans, mortgages, personal loans, and credit cards with rewards, we've got you covered. While we don't have an ATM or drive-thru service at this location, our team is always available to help you with online and mobile banking options.

Member Eligibility

Joining the Education First family is more than just opening an account; it's about becoming part of a community that truly cares for its members. If you're located in or around Kountze, TX, and are looking for a supportive financial partner, you may be eligible to join us! We welcome individuals who live, work, worship, or attend school in our local area. This means that whether you're a long-time resident or new to the community, we're excited to have you on board. By becoming a member at Education First, you'll gain access to a range of benefits including competitive rates on loans and savings, personalized service from our dedicated staff, and a commitment to your financial well-being. Ready to take the next step? Opening an account with us is simple and straightforward. You can find all the detailed eligibility criteria by visiting our website at https://educationfirst-cloud.lending360.com/accountopening/application?membershipanchorset=true#/membership, and when you're ready to apply, just head over to https://internetloanapplication.cudl.com/educationfirstfcu/?_ga=2.247363780.1392986841.1672179919-1944004256.1651503353. If you have any questions or need assistance during the process, don't hesitate to give us a call at (409) 896-8757. We're here for you 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. Join us today at 155 W Monroe St Kountze Tx 77625 we can't wait to welcome you!

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

Imagine being able to accept payments seamlessly, helping you serve customers better while managing your cash flow efficiently. Our merchant services make it easy for you to accept card payments, whether you're operating from a storefront or online. This means more convenience for your customers and quicker access to your funds. If you're ready to take your business to the next level, visit us at 155 W Monroe St Kountze Tx 77625 in Kountze, TX, or call us at (409) 896-8757. Together, we can build a brighter future for your business!

Comprehensive List Of Services

Accessible Digital Banking Features

In today's fast-paced world, having access to your finances on-the-go is crucial. That's why Education First provides robust online and mobile banking platforms along with features like person-to-person payments. Our digital tools are designed to keep your banking simple and efficient because managing your money should be easy! If you're interested in learning more about how we can assist you in reaching your financial goals, please don't hesitate to contact us at 409-896-8757. We are here Monday through Friday from 9:00 A.M. to 5:00 P.M., and on Saturday from 9:00 A.M. to 12:00 P.M.

Business Banking Services

For our members who run businesses, we have tailored business banking solutions including merchant services and business loans. We understand the challenges small businesses face and aim to support them with flexible financing options and essential services.

Credit Cards with Benefits

Don't forget about our credit cards with rewards! These cards not only give you the purchasing power you need but also offer perks that reward you for everyday spending. Whether you're buying groceries or planning a vacation, earning rewards has never been easier.

Final Call-to-Action

Join the Education First Federal Credit Union family today! Visit us at our Kountze branch or check out our website at www.educationfirstfcu.org for more information about all our services. We look forward to helping you achieve financial success!

Loans Tailored for You

When it comes to financing, we offer various loan options such as auto loans and vehicle financing that make it easier to get behind the wheel of your dream car. Our mortgage loans and refinancing options provide pathways for homeownership or upgrading your current home without breaking the bank. If you find yourself in need of extra cash for unexpected expenses, our personal loans can help you consolidate debt or cover those urgent costs.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that cater to your everyday needs. Imagine having a hassle-free way to manage your money with online and mobile banking features that let you check balances, transfer funds, and pay bills right from your smartphone or computer. This convenience means you can spend less time worrying about finances and more time enjoying life.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.educationfirstfcu.org/, allows you to check balances, transfer funds, and pay bills with just a few clicks. If you're always on the go, our mobile application makes banking even more accessible right from your smartphone. You can also enjoy features like electronic signature authorization to streamline your transactions safely and quickly. For those who prefer to keep track of their finances digitally, we offer e-statements that let you manage your account statements efficiently without the clutter of paper. Plus, if you need to send money to friends or family, our person-to-person transfer feature is both quick and hassle-free.

Security and User-Friendly Features

At Education First, we prioritize your security. Our online services utilize robust encryption methods to ensure that your personal information remains safe. You can navigate our site easily thanks to its user-friendly design, which caters to all levels of tech-savviness. Whether you want to make mobile payments or simply check your balance, everything is just a tap away. Our commitment to providing real-time account management means you can stay on top of your finances without missing a beat. In short, the digital and online banking services at Education First are tailored to fit your lifestyle while keeping your information secure and accessible. Explore more about what we offer today!

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. We are committed to maintaining a strong financial foundation that allows us to provide you with exceptional service and support. 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. Our lending capacity supports your financial goals across various sectors with $5,793 in used auto loans and $385,930,521 in total loans and leases. Our operational efficiency is reflected in our negative net income of -$1,339,236, which underscores the challenges faced but also highlights our commitment to overcoming them while continuing to serve you effectively. 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. Net Shares (Funds available for lending and investments): $7,550,936. Total Share and Deposit Accounts: 75,521, showing 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 155 W Monroe St Kountze TX 77625 or call 409-896-8757 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 Support for Businesses

For business owners, our outstanding commercial loans totaling $14,357,990 provide the capital needed to grow and expand. We understand the unique challenges businesses face and strive to offer solutions that meet those needs effectively. If you're considering refinancing any existing loans or want more information about eligibility options for our products, please reach out. Our dedicated team is ready to assist you every step of the way. Visit us at 155 W Monroe St Kountze TX 77625, or call us at 409-896-8757 during our operating hours: Monday - Friday from 9:00 A.M. - 5:00 P.M. and Saturday from 9:00 A.M. - 12:00 P.M. 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 Education First be your partner in achieving your financial dreams!

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 ride or need a reliable used vehicle, we have options tailored for you.

Credit Lines

For those looking for extra financial flexibility, our total credit lines amount to $198,272,498. This product allows you to borrow as needed and only pay interest on what you use perfect for unexpected expenses or planned purchases.

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 are here to support your journey toward owning a home with competitive rates and flexible terms.

Unsecured Credit Cards

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. These cards come with various benefits to assist you in your daily spending while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

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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 commitment to accuracy ensures that users receive fair and transparent offers.

Education First