Education First Credit Union Silsbee TX | Affordable Vehicle Loans & Business Banking

Introduction

At Education First Federal Credit Union, we understand that financial needs vary from person to person. That's why we're committed to providing tailored solutions for our members right here in Silsbee, TX. Established in 1952, our branch at 333 Highway 96 S has been a cornerstone of the community, dedicated to empowering our 32,625 members with the financial tools they need to succeed. While you can always visit us at our Silsbee location, if you need to send any official correspondence, please use our mailing address at 7025 Eastex Freeway, Beaumont, TX 77706-6515. We take pride in having a robust foundation with total assets reaching $622,827,882 and total deposits of $13,272,048. Our commitment to supporting local families and businesses is evident in our extensive range of services from auto loans and mortgages to personal banking options. Led by our CEO, Urjit Patel, and Board President, Chris Busch, our team of 155 employees is here to assist you with personalized service that puts your needs first. With a strong net worth of $53,858,908 and cash reserves of $6,434,828, we're well-equipped to help you navigate your financial journey confidently. We invite you to explore our services online at Education First Federal Credit Union or give us a call at 409-896-8754 during our lobby hours from Monday through Friday, 9:00 A.M. - 5:00 P.M., or on Saturdays from 9:00 A.M. - 12:00 P.M. Whether you're looking for loans or just need some friendly advice on managing your finances, we're here for you every step of the way!

Branch History & Mission

At Education First Federal Credit Union, we are proud of our rich history and unwavering commitment to serving our community. Established in 1952, our branch has been a cornerstone in Silsbee, TX, dedicated to supporting the financial well-being of our members. Located at 333 Highway 96 S, we are easily accessible for all your banking needs. As we have grown over the years, so has our dedication to providing personalized financial services that empower individuals and families. Since opening our doors, Education First has expanded significantly, now boasting a total membership of 32,625 and assets exceeding $622 million. This growth reflects not only the trust placed in us by our members but also our continuous efforts to adapt and innovate in a changing financial landscape. Our mission is straightforward: to enhance the lives of our members by offering quality financial products and services while fostering a strong sense of community. Our operating hours are designed to meet your needs: we're 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., ensuring you can reach us when it's convenient for you. While you can visit us at our branch location, official correspondence should be sent to 7025 Eastex Freeway, Beaumont, TX 77706-6515. Education First takes pride in being more than just a credit union; we are a community partner. We strive to support local initiatives and outreach programs that make Silsbee a better place for everyone. Our commitment extends beyond traditional banking; it includes creating opportunities for financial education and empowerment within our community. In today's fast-paced world, we recognize the importance of technology in banking. That's why we offer modern conveniences such as online banking, mobile payments, and e-statements all designed with user-friendly features that cater to your busy lifestyle. Our branch is ADA compliant, ensuring accessibility for all members. We invite you to experience the difference at Education First Federal Credit Union. Join us today and discover how we can help you achieve your financial goals while being part of a community-focused organization that truly cares about its members. For more information or assistance, feel free to call us at 409-896-8754 or visit our website at Education First FCU. Together, let's build a brighter financial future!

Branch Location & Accessibility

Connect With Us

At Education First Federal Credit Union, we're more than just a financial institution; we're part of the community. We invite you to visit us or give us a call at 409-896-8754 if you have any questions or need assistance. Your financial goals are important to us, and we're here to help you every step of the way!

Easy Access and Nearby Landmarks

Finding us is a breeze! Our branch is situated near popular spots in Silsbee, making it easy for you to drop by while running errands. If you're coming from downtown Silsbee or nearby neighborhoods, you'll appreciate the straightforward access along Highway 96. Plus, ample parking is available for your convenience. We're proud to offer features that ensure accessibility for all members of our community. Our branch complies with ADA standards, providing ramps and other accommodations to make your visit comfortable and welcoming.

Operating Hours and Services

Education First Federal Credit Union values your time. That's why 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. We encourage you to stop by during these hours to discover our full range of services tailored just for you. From checking and savings accounts to auto loans and mortgages, we have everything you need under one roof. For those who prefer self-service options, we have an ATM available on-site for cash withdrawals and balance checks. Please note that while we do not currently offer drive-thru banking, our friendly team is ready to assist you inside the branch.

Member Eligibility

Becoming a member of Education First is like joining a family that truly cares about your financial journey. If you live, work, worship, or attend school in the Silsbee area or surrounding communities, you're already eligible to join us! We pride ourselves on being inclusive and supportive, welcoming everyone who shares our values. By becoming a member at Education First, you gain access to a wide array of benefits like competitive loan rates, personalized service, and community-focused programs that help you thrive financially. Ready to take the next step? Opening an account is simple! Just visit us at 333 Highway 96 S Silsbee Tx 77656 or give us a call at (409) 896-8754 for more information. For detailed eligibility criteria, check out this resource: Eligibility Details. If you're ready to open an account now, you can do so online by visiting Account Opening. Join us today and experience the difference!

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 addition to loans, we offer merchant services that simplify payment processing for your business. Imagine a local café using our services to accept payments seamlessly allowing them to focus on creating delicious treats rather than worrying about transactions. By choosing Education First, you gain access to reliable support and tools that help streamline operations, enhance customer experience, and ultimately boost profits. Come visit us at 333 Highway 96 S, Silsbee, TX 77656 or call us at 409-896-8754 to learn how we can partner with you on your path to success!

Comprehensive List Of Services

Accessible Banking Anytime

Whether you're stopping by during lobby hours from Monday through Friday, 9:00 A.M. - 5:00 P.M., or visiting us on Saturday from 9:00 A.M. - 12:00 P.M., we're here for you. Plus, with our basic ATM access, withdrawing cash or checking balances is simple and efficient. At Education First Federal Credit Union, we are dedicated to enhancing your banking experience through a blend of personalized service and digital tools designed for modern life. If you're ready to take the next step in managing your finances more effectively or if you have any questions about our offerings, please don't hesitate to reach out at 409-896-8754. Join us today and discover how we can support your financial journey! Visit us online at Education First or stop by our branch in Silsbee!

Business Banking Services

For our members who own businesses or are thinking about starting one, we offer specialized business banking solutions, including merchant services and business loans. We believe in supporting local entrepreneurs as they grow their ventures.

Online & Mobile Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts from anywhere. Our services include ATM and cash withdrawal services, allowing you quick access to funds whenever necessary.

Personal Banking Solutions

When it comes to personal banking, we understand that every member has unique needs. That's why we offer various checking and savings accounts designed for convenience and flexibility. If you're considering buying a new car or refinancing your current vehicle, our auto loans and vehicle financing options can make that process straightforward and affordable. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans and refinancing solutions are crafted to help you achieve your dream home with ease. Sometimes life throws unexpected expenses your way. With our personal loans and debt consolidation services, we aim to provide quick access to cash when you need it most, helping you manage your financial obligations without added stress. Additionally, our credit cards with rewards allow you to earn points on everyday purchases, making it easier to enjoy the little things in life.

Digital & Online Banking

Key Features

With our robust online banking platform available at https://www.educationfirstfcu.org/, you can easily check your account balances, transfer funds, and pay bills anytime, anywhere. Our 24/7 online banking services ensure that you're never out of touch with your finances, whether you're at home or on the go. Need to send money to a friend? Our person-to-person transfer feature allows you to quickly send funds with just a few taps on your mobile device. Plus, with our mobile application, you can manage your accounts from the palm of your hand. It's designed for ease of use, so you can navigate through features effortlessly.

Security and Accessibility

We take security seriously at Education First. Our electronic signature authorization adds an extra layer of protection, making it easy and safe to sign documents online without needing to visit a branch. Additionally, if you prefer going paperless, e-statements are readily available for all members, giving you immediate access to your financial information while helping you reduce clutter. And if you're looking to make payments even easier, our mobile payments feature lets you pay for purchases directly from your phone no wallet needed! In summary, Education First offers an array of digital and online banking services that prioritize convenience and security. With user-friendly features tailored for real-time account management, we're here to help you take control of your financial journey with confidence. Explore these options today by visiting us online!

Financial Strength

Commitment to Service

Our operational efficiency is reflected in our -$1,339,236 net income, which shows we are committed to investing back into our community rather than focusing solely on profits. 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.

Growing Member Base

Total Share and Deposit Accounts stand at 75,521, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $7,550,936, reinforcing our commitment to offering personalized service tailored to your needs. 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 333 Highway 96 S Silsbee TX 77656 or call 409-896-8754 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Reinvesting in Your Future

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 $5,793 in used auto loans and a total of $385,930,521 in loans and leases.

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. We provide flexible terms and competitive rates that make financing your vehicle more manageable.

Business Financing

For business owners, our outstanding commercial loans totaling $14,357,990 provide the capital needed to grow and expand. These loans are structured to support various business needs while offering reasonable repayment options. If you're interested in refinancing or exploring eligibility options for any of these products, we encourage you to reach out. You can contact us at 409-896-8754 for personalized assistance or visit us at 333 Highway 96 S Silsbee TX 77656. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you find the best loan solution tailored just for you!

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 aim to support our members through every step of the home buying process by offering clear guidance and tailored solutions.

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 various features designed to fit your spending habits while ensuring easy management of your account.

Loan Aggregator

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Take Action Today

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Education First