Education First Credit Union Woodville TX | Top Checking & Auto Loans

Introduction

Welcome to Education First Federal Credit Union, your trusted partner in financial well-being since 1952! Located at 1121 S Magnolia St Ste 900, Woodville, TX 75979, we pride ourselves on serving over 32,625 members with a commitment to personalized service and community support. Our mission is to empower you with the tools and resources needed to achieve your financial goals. At Education First, we understand that every member's journey is unique. Whether you're looking for a new auto loan, savings account, or business financing, our dedicated team is here to guide you every step of the way. With total assets of $622,827,882 and robust services including personal banking, mortgage loans, and online banking options, we ensure that your needs are met with confidence and care. Should you need to send us official correspondence, please use our mailing address at 7025 Eastex Freeway, Beaumont, TX 77706-6515. For any inquiries or assistance, feel free to call us at (409) 896-8761. Our friendly staff is available 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. Led by our CEO Urjit Patel and Board President Chris Busch, Education First remains committed to enhancing the financial lives of our members while fostering strong community ties. As we continue to grow with total deposits of $13,272,048 and a net worth of $53,858,908 we invite you to explore how we can help you thrive financially. Join us today at Education First Federal Credit Union! Visit our website at educationfirstfcu.org for more information or stop by our branch. Your future starts here!

Branch History & Mission

Commitment to Innovation

In an ever-changing world, Education First embraces digital advancements to enhance your banking experience. Our online and mobile banking options allow you to manage your finances anytime, anywhere. Additionally, we ensure that our facilities are ADA compliant so that everyone can access our services without barriers. We also pride ourselves on providing convenient banking options such as ATM availability and drive-thru service. Whether you need to make a deposit or check your balance quickly, we're here for you.

Join Us

As we look forward to the future, we invite you to join us on this journey. At Education First Federal Credit Union, you're not just another account; you're part of a family committed to your success. Experience the difference today by visiting us or calling us at (409) 896-8761. Together, let's build a brighter financial future!

Our Mission

At Education First, our mission is clear: we strive to provide exceptional financial services while fostering a sense of community among our members. We understand that everyone's financial journey is unique, which is why we offer a range of products tailored to meet individual needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we are here to support you every step of the way. Our dedication goes beyond financial transactions. We actively participate in community outreach initiatives and build partnerships that make a real difference in people's lives. By supporting local events and programs, we aim to uplift our neighbors and strengthen the bonds within our community. While members can visit us at 1121 S Magnolia St Ste 900 Woodville Tx 75979, official correspondence should be sent to our mailing address at 7025 Eastex Freeway, Beaumont, TX 77706-6515.

Branch Location & Accessibility

Get in Touch!

We invite you to come visit us at Education First Federal Credit Union! If you have any questions or need assistance, feel free to call us at 409-896-8761. We're excited to serve you and help you achieve your financial goals!

Local Landmarks and Accessibility

Situated near popular local spots, our branch is easily accessible and hard to miss. We are proud to offer ample parking for our members and have made sure that our facilities comply with ADA standards, ensuring everyone can comfortably access our services. If you're on the go, we also provide a drive-thru banking option for quick and efficient service.

Operating Hours

Our doors are open 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. These hours allow you plenty of opportunities to fit banking into your busy schedule.

Services Offered

At Education First, we cater to a variety of banking needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Our ATM is available for your convenience, allowing for cash withdrawals and balance checks outside regular hours. Additionally, our basic drive-thru service ensures that even the simplest transactions can be completed quickly without leaving your vehicle.

Member Eligibility

Becoming a member of Education First is like opening the door to a warm and welcoming community that genuinely cares about your financial well-being. If you live, work, or go to school in our area, you're already on the right track! We also invite family members of existing members to join us. This means that whether you're looking for personal banking services, loans, or just some friendly advice, Education First has your back. For detailed eligibility criteria, feel free to check out this resource: https://educationfirst-cloud.lending360.com/accountopening/application?membershipanchorset=true#/membership. Joining is easy! Just visit us at our branch located at 1121 S Magnolia St Ste 900 Woodville Tx 75979, or give us a call at (409) 896-8761 if you have any questions about the account opening process. You can start your journey with us online as well; simply follow this link to open an account: https://internetloanapplication.cudl.com/educationfirstfcu/?_ga=2.247363780.1392986841.1672179919-1944004256.1651503353. We can't wait to welcome you into our growing family at Education First!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that make transactions smoother for your business. Imagine seamlessly accepting payments from customers while keeping track of sales effortlessly. Our tools help you manage your cash flow, allowing you to focus on what matters most growing your business. From mobile payment solutions to online processing, we equip you with everything you need to thrive. Visit us at 1121 S Magnolia St Ste 900 Woodville Tx 75979 in Woodville, TX, or call us at (409) 896-8761 to learn more about how our business banking services can help turn your vision into reality!

Tailored Loan Solutions

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

Credit Cards and Business Banking

Our credit cards with rewards are designed to give back while you spend. Enjoy perks that make everyday purchases even more rewarding! If you're a business owner, you'll find that our business banking solutions, including merchant services and business loans, can help you manage and grow your operations effectively.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. From checking balances to making transfers or paying bills, our user-friendly platforms put your financial management at your fingertips. Plus, with features like ATM access for cash withdrawals and balance checks, getting cash when you need it is straightforward.

Drive-Thru Services

For those who prefer face-to-face interactions but want quick service, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car. We understand that sometimes time is of the essence! At Education First Federal Credit Union, we pride ourselves on being more than just a place to bank; we're a community partner committed to helping you achieve your financial goals. Visit us today or explore our services online at Education First Federal Credit Union. Ready to take the next step? Call us at 409-896-8761 or stop by during our lobby hours from Monday to Friday, 9:00 A.M. - 5:00 P.M., and Saturday from 9:00 A.M. - 12:00 P.M.! We look forward to serving you!

Personal Banking Services

Managing your personal finances is easier with our comprehensive banking options. With our checking and savings accounts, you have the flexibility to choose what works best for your lifestyle. If you're in need of a vehicle, our auto loans and vehicle financing services provide competitive rates and terms that can help make your purchase more affordable. For those considering home ownership or refinancing an existing mortgage, we offer various mortgage loan options that can be customized to fit your budget. Additionally, if you're looking to consolidate debt or cover unexpected expenses, our personal loans can provide the support you need without the stress.

Digital & Online Banking

Enhanced Features

Need to send money quickly? Our person-to-person transfer feature allows you to send money directly to friends or family with just a few taps on your phone. Additionally, our mobile payments feature means you can pay for goods and services right from your smartphone making shopping faster and more efficient. With everything from account management to payments at your fingertips, Education First empowers you to take control of your finances in a way that fits seamlessly into your busy life. Experience hassle-free banking today!

Key Services

Our online banking platform offers 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills at your convenience. Whether you're at home or on the go, managing your finances has never been easier. Plus, with our mobile application, you can carry your bank right in your pocket! Security is a top priority for us. Our electronic signature authorization feature ensures that all of your transactions are safe and secure. You can also opt for e-statements, which not only help the environment but also make it easy to keep track of your financial history without cluttering your inbox with paper statements.

Financial Strength

A Growing Community

Total Share Accounts stand at 75,521, showing a strong and growing member base that trusts us with their finances. This community spirit fuels our mission to provide reliable services 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 1121 S Magnolia St Ste 900 Woodville TX 75979 or call 409-896-8761 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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 operations remain efficient with a reported net income of -$1,339,236, reflecting current challenges but also our determination to improve and innovate continuously for our members' benefit. We 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.

Reinvestment for Growth

With $53,141,933 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. We support your financial goals with a robust lending capacity of $385,930,521 across various sectors. Our offerings include 5,793 used auto loans, reflecting our commitment to helping you achieve your dreams on the road.

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

Additional Offerings

For those interested in expanding their business ventures, we have outstanding commercial loans totaling $14,357,990 available to provide the capital needed for growth. We also offer various refinancing options to ensure you can find the best solution for your needs. If you are interested in any of these products or want to explore eligibility options further, please feel free to reach out. You can contact us at 409-896-8761 or visit us at our branch located at 1121 S Magnolia St Ste 900 Woodville TX 75979. 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 help you take the next step towards achieving your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $61,768,069 in new vehicle loans and $100,090,887 in used vehicle loans to help members get on the road. Whether you're buying a brand-new model or a reliable used car, our financing options can make your purchase more affordable.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $14,646,093, making buying or refinancing simple. We provide competitive rates and flexible terms to ensure that you can find the right fit for 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, our credit cards come with rewards and no hidden fees. This allows you to handle everyday expenses without worrying about high-interest rates.

Loan Aggregator

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Education First