Educators Credit Union Waco TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Educators, your trusted financial partner since 1938, located at 2400 Lake Shore Dr, Waco, TX 76708. With a strong commitment to our members, we proudly serve over 27,800 members in the Waco community and beyond. As a cooperative credit union, we aim to provide exceptional personal banking services tailored to meet your unique needs. At Educators, we believe that strong financial foundations lead to empowered lives. Our total assets stand at an impressive $545,894,678, reflecting our stability and commitment to serving you. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, we have a solution for you. Our dedicated team of 50 employees is here to assist you every step of the way. Under the leadership of our CEO William Palasota and Board President Al Pollard, we prioritize community engagement and member satisfaction. We're not just about numbers; we genuinely care about the financial well-being of our members. While members can visit us at 2400 Lake Shore Dr, official correspondence should be sent to 2400 LAKE SHORE DR, WACO, TX 76708-3734 if necessary. If you have any questions or need assistance, feel free to give us a call at 254-752-1815 during our lobby hours from 9:00 AM to 5:00 PM. Join us today and experience the difference that comes with being part of a community-focused credit union! Discover more about our services by visiting our website at EDCU.COM. Let's build a brighter financial future together!

Branch History & Mission

Embracing Innovation

As we look toward the future, Educators remains dedicated to embracing technology while maintaining a personal touch. Our branch offers modern conveniences like online banking, mobile payments, and electronic statements. You can manage your finances effortlessly whether you're at home or on the go. We are also proud of our ADA compliance efforts ensuring that our services are accessible to all members of the community. While members can visit us at 2400 Lake Shore Dr, official correspondence should be sent to 2400 LAKE SHORE DR, WACO, TX 76708-3734 if needed. For any inquiries or assistance, feel free to reach out at 254-752-1815.

Join Us

We invite you to become part of the Educators family! Experience firsthand how we combine traditional values with modern banking solutions tailored just for you. Whether you need help managing your daily finances or planning for your future, we're here every step of the way. Join us today and discover how Educators can make a positive impact on your financial journey!

Our Mission

The mission of Educators is clear: we aim to improve the financial well-being of our members while giving back to the community we cherish. We offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions all designed with your needs in mind. We believe that financial security is fundamental to personal happiness and growth. Our commitment goes beyond mere transactions; it's about building relationships. We actively participate in community outreach efforts and support local initiatives that uplift those around us. Our partnerships with local organizations allow us to give back meaningfully, making Waco a better place for everyone.

Branch Location & Accessibility

Accessibility Features

At Educators, we prioritize accessibility for everyone. Our facility includes ADA-compliant features such as ramps and designated parking spaces, ensuring that all members can access our services with ease. We also offer a drive-thru banking option for quick transactions without leaving your vehicle.

Convenient Banking Hours

We know your time is valuable! That's why our lobby hours are designed to fit your busy schedule. You can visit us from 9:00 AM to 5:00 PM, Monday through Friday. Our dedicated staff is ready to assist you with everything from personal banking services to auto loans and more.

Services Offered

Our branch provides a wide range of services tailored to meet your financial needs. From checking and savings accounts to mortgage loans and credit cards with rewards, we've got you covered. Need cash? We have an ATM available for quick withdrawals and balance checks right on site! If you're looking for personal service or have any questions about our offerings, feel free to give us a call at 254-752-1815. We invite you to stop by the Educators branch today where friendly faces and personalized service await! Let us help you achieve your financial goals while enjoying the convenience of local banking right here in Waco.

Member Eligibility

Becoming a member of Educators is like joining a welcoming family where your financial well-being is our top priority. At Educators, located at 2400 Lake Shore Dr Waco Tx 76708, we are excited to invite individuals who live, work, or attend school in the community to become part of our vibrant membership. We believe that everyone deserves access to quality financial services, which is why we keep our eligibility criteria simple and inclusive. To find out more about what it takes to join us, feel free to visit our detailed guide at . You'll see how easy it is to step into a world of better banking options. Once you know you're eligible, opening an account with us is a breeze! If you have any questions or need assistance, don't hesitate to reach out at (254) 752-1815. We're here to support you every step of the way. Join us today and experience the many benefits that come with being a member of Educators!

Business Banking & Commercial Services

Seamless Merchant Services

In today's fast-paced marketplace, having reliable merchant services is essential. At Educators, we offer tools designed to help you manage transactions smoothly. Picture having a seamless point-of-sale system that allows you to accept payments easily, enabling you to focus more on serving your customers rather than worrying about payment issues. Our merchant services are here to simplify the process so you can concentrate on what you do best running your business. Located at 2400 Lake Shore Dr Waco Tx 76708 in Waco, TX, we're dedicated to empowering local businesses like yours. Reach out today at (254) 752-1815 and discover how we can help turn your business goals into reality!

Unlocking Growth with Our Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? We provide easy access through our ATM and cash withdrawal services. For those quick transactions without leaving your car, take advantage of our Basic Drive-Thru Banking, where you can make deposits and withdrawals effortlessly. At Educators, we are committed to ensuring that every member has access to the financial tools they need. If you have questions or want to learn more about how we can assist you, don't hesitate to call us at (254) 752-1815. We're here to help! Visit us today at 2400 Lake Shore Dr Waco Tx 76708 in Waco, TX, and discover how we can support your financial goals!

Business Banking Services

If you're a business owner, we have you covered too! Our Business Banking services include everything from Merchant Services, which help streamline transactions, to tailored Business Loans that support your company's growth.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking services. You can easily manage your accounts from anywhere, transfer funds, pay bills, and even send money through our Person-to-Person payment feature. Plus, our mobile app makes banking at your fingertips simple and secure.

Credit Cards and Rewards

For those who enjoy rewards while spending, our Credit Cards with Rewards program allows you to earn points on every purchase perfect for those who love to travel or simply want cash back on their everyday expenses.

Personal Banking Solutions

We understand that managing finances can be overwhelming. That's why we offer Personal Banking options such as checking and savings accounts tailored for individuals and families. Need to purchase a vehicle? Our Auto Loans & Vehicle Financing solutions make it easy for you to hit the road in style without breaking the bank. Thinking about buying your first home or refinancing? With our Mortgage Loans & Refinancing options, you can find the right fit for your budget and lifestyle. If unexpected expenses arise or if you want to consolidate debt, our Personal Loans & Debt Consolidation services are here for you, providing flexible terms and competitive rates.

Digital & Online Banking

Key Features

We also offer e-statements that help you keep track of your financial activities without the clutter of paper statements. This eco-friendly option not only saves trees but also allows for quicker access to your financial information. If you're always on the move, our mobile application makes banking even simpler. You can manage your accounts directly from your smartphone or tablet. For those moments when you need to send money to a friend or family member quickly, our person-to-person transfer feature has got you covered. And if you're looking to make purchases on the go, take advantage of our mobile payments feature that lets you pay right from your phone.

Security and Support

Your security is our top priority. We use robust encryption methods to protect your personal information while giving you easy access to your accounts. Additionally, our friendly support team is just a call away at (254) 752-1815 if you ever have questions or need assistance. With all these features at Educators, managing your money has never been easier. Embrace the convenience of digital banking today!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 53,250, showing a strong and growing member base that trusts us with their finances. The funds available for lending and investments stand at $258,643, further highlighting our commitment to supporting your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Educators is your trusted partner. Visit us at 2400 Lake Shore Dr Waco Tx 76708 or call (254) 752-1815 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.

Commitment to Growth

With $91,925,353 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 $3,493 in used auto loans and $156,799,607 in total loans and leases. Our operational efficiency is reflected in our $7,321,096, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 38 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $128,657,713 in share certificates and $39,461,411 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.

Strong Financial Foundation

With a net worth of $102,377,994, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,875 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 $60,415,349 in used vehicle loans and $36,995,993 in new vehicle loans already helping members get on the road. Whether you need financing for a reliable used vehicle or a brand-new model, we've got you covered.

Credit Lines

If you prefer having funds available when you need them, our credit lines totaling $10,000,000 provide quick access to cash without the hassle of applying for a loan each time. This option gives you peace of mind knowing that you have financial support when unexpected expenses arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,933,393, make buying or refinancing simple. We offer competitive rates and flexible terms to fit your budget, ensuring that your dream of owning a home is within reach.

Refinancing Options

If you're considering refinancing any existing loans, our team is here to help you explore your options. We can guide you through the process and find solutions tailored to your unique situation. At Educators, we are committed to supporting our community's financial well-being by providing accessible loan products and exceptional service. Visit us today to learn more about how we can assist you with your borrowing needs! For performance insights and financial data, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $976,854 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that make everyday purchases more rewarding.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underline the effectiveness and reliability of this tool. For anyone looking to navigate the complex world of loans, using LendMesh can be a valuable step toward finding the best rates tailored to individual needs. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

EDUCATORS CREDIT UNION - Waco, TX

Type of Loan Offerings

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Embracing Innovation

Join Us

Our Mission

Branch Location & Accessibility

Accessibility Features

Convenient Banking Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Seamless Merchant Services

Unlocking Growth with Our Loans

Comprehensive List Of Services

ATM and Drive-Thru Services

Business Banking Services

Convenient Digital Banking

Credit Cards and Rewards

Personal Banking Solutions

Digital & Online Banking

Key Features

Security and Support

Financial Strength

A Growing Community

Commitment to Growth

Member-Centric Savings

Strong Financial Foundation

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Refinancing Options

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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