Education First Credit Union Lumberton TX | Low Mortgage Rates & Top Checking Accounts

Introduction

Welcome to Education First at our Lumberton Branch, located at 199 S Lhs Dr, Lumberton, TX 77657. Since opening our doors in 1952, we've been committed to serving our community and providing reliable financial solutions. With a robust membership of 32,625 and total assets reaching an impressive $622,827,882, we take pride in being a trusted partner for all your banking needs. At Education First, we understand that financial stability is key to achieving your goals. That's why we offer a wide range of services from personal checking and savings accounts to auto loans and business banking solutions. Our dedication to helping you thrive is reflected in our total loans of 26,824 and deposits amounting to $13,272,048. Our leadership team, led by CEO Urjit Patel and Board President Chris Busch, works tirelessly to ensure that we maintain a strong net worth of $53,858,908 while keeping our member's interests at heart. Whether you're looking for competitive loan rates or the convenience of online banking options, we've got you covered. While members can visit us at our branch for personalized service, official correspondence should be sent to our mailing address at 7025 Eastex Fwy, Beaumont, TX 77706-6515. We invite you to explore how Education First can support your financial journey. For any questions or assistance, feel free to give us a call at 409-898-3770. Come visit us during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. Let's take the next step together toward achieving your financial goals!

Branch History & Mission

Welcome to the story of Education First, a credit union that has been a beacon of financial empowerment since it opened its doors in 1952. Located at 199 S Lhs Dr, Lumberton, TX 77657, our branch has grown alongside the community, serving the diverse needs of our members and fostering a spirit of cooperation and support. Over the years, Education First has evolved significantly. From our humble beginnings, we have expanded to serve over 32,625 members, building a foundation based on trust and commitment. Our total assets have reached an impressive $622,827,882, reflecting our stability and ability to provide essential services to our members. As we have grown, so too has our range of offerings today, we proudly provide personal banking solutions such as checking and savings accounts, auto loans, mortgage options, and business banking services. At the heart of Education First is our mission: to empower our members through accessible financial services while giving back to the community that supports us. We believe in not just offering financial products but also being an active participant in improving the lives of those around us. This dedication is evident in our various community outreach efforts and partnerships aimed at supporting local initiatives. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be directed to 7025 Eastex Fwy, Beaumont, TX 77706-6515 if it differs from your visit. We understand that modern banking requires flexibility and convenience. That's why we are proud to offer advanced digital services like online banking and mobile payments alongside traditional options like drive-thru banking and ATM access. Our operating hours from Monday-Friday: 9:00 AM to 5:00 PM and Saturday: 9:00 AM to 12:00 PM make it easy for you to manage your finances when it suits you best. As we look ahead, we invite you to join our growing family at Education First. Experience first-hand how we combine personalized service with community-focused initiatives. Together, let's build a brighter financial future! For more information or to become a member today, give us a call at 409-898-3770 or visit us online at educationfirstfcu.org.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for our members. Our branch is designed with ADA compliance in mind, featuring ramps and spacious parking for your convenience. Whether you're visiting us for personal banking or business services, you'll find our location welcoming and easy to navigate.

Get in Touch

If you have questions or need assistance, don't hesitate to give us a call at (409) 898-3770. We look forward to welcoming you at the Education First Lumberton Branch! Come see how we can help you achieve your financial goals today!

Operating Hours

Our doors are open Monday through Friday from 9:00 AM to 5:00 PM, making it simple to drop by during your busy week. For those who prefer Saturday banking, our drive-thru service operates from 9:00 AM until noon. We're here to make banking fit into your schedule!

Services Offered

At Education First, we offer a wide range of services tailored to meet the diverse needs of our members. From checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards, we've got you covered. Plus, with an ATM available on-site and drive-thru banking for quick transactions like deposits and withdrawals, managing your finances has never been easier. While members can visit us at 199 S Lhs Dr Lumberton Tx 77657, official correspondence should be sent to 7025 Eastex Fwy, Beaumont, TX 77706-6515 if it differs from our branch location.

Member Eligibility

Becoming a member of Education First is like joining a family that truly cares about your financial well-being. Located at 199 S Lhs Dr Lumberton Tx 77657, we welcome individuals who live, work, worship, or attend school in the communities we serve. It's our way of ensuring that everyone feels included and supported. If you're interested in enjoying personalized service, competitive rates, and a variety of financial products tailored just for you, then you're in the right place! The membership process is straightforward. You can find all the eligibility details and even apply online by visiting https://educationfirst-cloud.lending360.com/accountopening/application?membershipanchorset=true#/membership. If you have any questions or need assistance, feel free to reach out to us at (409) 898-3770. We're here to help you every step of the way on your journey to becoming part of the Education First community!

Business Banking & Commercial Services

Merchant Services for Smooth Transactions

In addition to our loan offerings, we provide essential merchant services that simplify everyday transactions. Imagine having a reliable partner who ensures your payments are processed smoothly, allowing you to focus on what matters most growing your business. Whether you're accepting card payments or managing invoicing, our services help streamline operations so you can serve your customers better. Located at 199 S Lhs Dr Lumberton Tx 77657, Lumberton, TX, we invite you to visit us or call (409) 898-3770 to learn how Education First can empower your business today!

Tailored 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.

Comprehensive List Of Services

Business Banking Solutions

For local entrepreneurs and businesses, we offer essential business banking services including merchant services and business loans. We understand the importance of reliable financial support in growing your business, so we're here to partner with you every step of the way.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've made online and mobile banking available for all our members. You can check balances, transfer funds, and pay bills from anywhere right from your smartphone or computer! Additionally, our ATM and cash withdrawal services provide easy access to your funds whenever you need them. With basic drive-thru banking options available for deposits, withdrawals, and simple transactions, we prioritize making your banking experience as hassle-free as possible.

Local Presence with Personalized Service

Located at 199 S Lhs Dr, Lumberton, TX 77657, our branch is committed to serving the community with friendly faces ready to assist you. If you prefer face-to-face interactions or have questions about any service, feel free to call us at 409-898-3770 during our lobby hours from Monday through Friday from 9 AM to 5 PM or Saturday from 9 AM to 12 PM. At Education First, we believe in building lasting relationships with our members by providing the tools necessary for financial success. To learn more about how we can help meet your needs or to open an account today, visit us online at Education First! We invite you to explore all the ways we can support your financial journey!

Personal Banking Services

Whether you're looking to open a checking or savings account, Education First offers personal banking solutions designed for everyone. For those planning to purchase a new car or refinance an existing vehicle, our auto loans and vehicle financing options make the process straightforward and accessible. Perhaps you're considering buying a home? Our mortgage loans and refinancing services can help turn that dream into reality with competitive rates tailored to fit your budget. If you're managing debt or need some extra cash, our personal loans are here to assist. We also provide credit cards with rewards that give back as you spend. Imagine earning points on your everyday purchases while managing your finances efficiently!

Digital & Online Banking

Always Accessible

Whether it's during lunch breaks or late at night, our online banking services are available 24/7 to ensure you have constant access to your financial information. And if you're someone who enjoys using mobile payments, you'll be pleased to know that we support this feature too! Enjoy the ease of making purchases directly from your phone without needing cash or cards. At Education First, we believe in providing not just services but real solutions that enhance your banking experience. Embrace the convenience and security of our digital banking offerings today!

Key Features

With our online banking platform, you can effortlessly check balances, transfer funds, and pay bills all from the comfort of your home or while on the go. Our user-friendly mobile application takes convenience a step further, allowing you to perform all these tasks right from your smartphone. Plus, you can make person-to-person transfers with just a few taps, making it easy to send money to friends and family. Security is at the heart of what we do. Our electronic signature authorization feature means you can sign documents securely online without needing to visit a branch. This saves you time and adds an extra layer of protection for your transactions. Additionally, we offer e-statements for those who prefer paperless options keeping your information secure while also being environmentally friendly.

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 understand that you want to know your credit union is strong and reliable, especially in today's ever-changing economic landscape. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 commitment to lending is evident with $5793 in used auto loans and a total of $385,930,521 in loans and leases supporting our members' financial goals across various sectors. Our operational efficiency reflects in our performance with a net income of -$1,339,236, enabling us to continue offering competitive loan rates and solid financial products for our members. 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 available for lending and investments stand at $7,550,936. Total Share Accounts have reached an impressive number of 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 199 S Lhs Dr Lumberton Tx 77657 or call 409-898-3770 to learn more about how we can help you achieve your financial goals.

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. We provide flexible terms and competitive rates to make your car-buying experience as smooth as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $14,357,990 provide the capital needed to grow and expand. Whether it's purchasing new equipment or covering operational costs, our tailored business solutions can help your enterprise thrive.

Eligibility and Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for our various products, we're here to assist you. Our team is ready to provide personalized support and ensure you understand all available choices. We invite you to visit us at our branch located at 199 S Lhs Dr Lumberton Tx 77657 or give us a call at 409-898-3770. Our operating hours are Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. For more information about our loan offerings and services available at Education First, please check out our website at www.educationfirstfcu.org. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Don't hesitate let us help you take the next step toward achieving your financial dreams!

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're here to guide you through the process and help you find the best loan option that fits your budget and lifestyle.

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. This option allows for easier budgeting without tying up collateral.

Loan Aggregator

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Education First