Empowerment Community Development Credit Union Houston TX

Introduction

Welcome to Empowerment Community Development, your trusted partner in financial growth and community support. Located at 6011 W Orem Dr, Houston, TX 77085, we have been proudly serving our members since 2006. With a dedicated team of just 2 employees, we strive to create a welcoming atmosphere where every member feels valued and supported. At Empowerment Community Development, we believe that financial health is key to personal empowerment. That's why we've built a strong foundation with total assets reaching $1,008,764 and total deposits of $225,697. Our commitment to our members is evident in our diverse offerings, including auto loans, mortgage refinancing, and personal loans designed to meet your unique needs. As of today, we proudly serve 622 members, ensuring that each one receives personalized attention and tailored financial solutions. Under the guidance of our CEO, Delores Gentry, and Board President, Benjamin Miller, our focus remains on fostering community connections while providing exceptional service. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 6011 W. Orem, Houston, TX 77085. If you have any questions or need assistance, don't hesitate to reach out at 713-726-2515. Join us in making financial dreams a reality visit our website at ecdfcu.com or call us today! Together, let's empower your financial future.

Branch History & Mission

Our Journey

From our humble beginnings with just a handful of members, we have grown to serve over 622 individuals and families. As we celebrate our history, it's important to recognize the milestones that have shaped us. We started with a vision to provide accessible financial services while fostering community engagement. Over the years, we have built a solid foundation of trust and reliability, reflected in our total assets of $1,008,764. Our commitment to serving our members goes beyond traditional banking services. We offer various products such as checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking solutions. Despite not having ATM or drive-thru services at this time, we focus on creating meaningful relationships through personalized assistance during our operating hours: Monday from 4:00 p.m. to 8:00 p.m., Tuesday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m.

Our Mission

At Empowerment Community Development, our mission is simple yet profound: to empower individuals by providing them with the tools they need for financial success. We believe that everyone deserves access to quality financial resources and education. Our team works tirelessly to foster an inclusive environment where all members feel valued and supported. We actively engage in community outreach programs aimed at promoting financial literacy and well-being among local residents. By partnering with various organizations and hosting workshops, we strive to uplift those around us and create lasting positive change. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at 6011 W. Orem, Houston, TX 77085. As we continue this journey together, we invite you to join our community at Empowerment Community Development. Experience firsthand how we prioritize your needs while championing community growth. For more information or to become a member today, please call us at 713-726-2515 or visit our website at ecdfcu.com. Together, let's pave the way for brighter financial futures!

Branch Location & Accessibility

Accessibility Features

At Empowerment Community Development, we prioritize accessibility for all members. Our branch is ADA compliant and features ramps for easy entry. Parking is available on-site, ensuring that you have a hassle-free experience when you come to see us.

Operating Hours

Our doors are open during convenient hours to fit your schedule! We welcome you Monday from 4:00 p.m. to 8:00 p.m., Tuesday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. Whether you need help with personal banking, auto loans, or other services, we're ready to assist you during these times.

Services Offered

At our branch, we provide an array of services tailored to meet your needs. From checking and savings accounts to vehicle financing and mortgage loans, we aim to support your financial journey every step of the way. Although we currently do not offer ATM services or drive-thru banking, our dedicated staff is always available for face-to-face assistance. Ready to explore how we can help? Don't hesitate to call us at 713-726-2515 or stop by our location today! We look forward to welcoming you into the Empowerment Community Development family!

Member Eligibility

Becoming a member of Empowerment Community Development is like joining a family that truly cares about your financial well-being. We welcome individuals who live, work, worship, or attend school in the Houston area, as well as their family members. This means that if you have a connection to our community, you're eligible to join us! At Empowerment Community Development, we believe in providing our members with personalized services that cater to their unique needs, whether it's opening a checking account or securing a loan for your next vehicle. Our friendly team is here to guide you through the easy process of membership and help you make the most of your banking experience. For detailed eligibility information, please visit our website at https://ecdfcu.com/about-us/who-can-join/. If you have any questions or want to get started today, don't hesitate to give us a call at (713) 726-2515. We can't wait to welcome you into our supportive community at 6011 W Orem Dr Houston Tx 77085!

Business Banking & Commercial Services

Commercial Loans That Empower Growth

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. Imagine a local bakery looking to expand its operations. With the right financing options from Empowerment Community Development, they can purchase new equipment or renovate their space, ultimately serving more customers and increasing their revenue.

Merchant Services for Everyday Success

Alongside our loan offerings, we provide merchant services that simplify everyday transactions for your business. Whether it's setting up credit card processing systems or enabling online payments, our goal is to make financial transactions easier so you can focus on what you do best running your business. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses in the community. Reach out today at (713) 726-2515 or visit us at 6011 W Orem Dr Houston Tx 77085 in Houston, TX to discover how we can support your business aspirations!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans make it easier for you to get behind the wheel without breaking the bank. With competitive rates and flexible terms, you can choose the financing that suits your budget best. We're here to support you through every step of the vehicle financing process.

Business Banking Services

For entrepreneurs and business owners in our community, we provide tailored business banking solutions including merchant services and business loans. We aim to help local businesses thrive by offering the financial support they need to grow.

Credit Cards with Rewards

Our credit cards come with rewards that give back every time you spend. You can earn points on purchases, which can be redeemed for travel, merchandise, or even cash back. Imagine enjoying perks while managing your expenses it's all part of being a member!

Digital Banking Convenience

In today's fast-paced world, convenience is key. At Empowerment Community Development, we offer online and mobile banking services so you can manage your accounts anytime, anywhere. Although we currently don't have ATMs or drive-thru service available, our digital platforms ensure that accessing your funds is simple and straightforward.

Get In Touch

With two dedicated staff members ready to assist you during our hours of operation (Monday to Friday from 4:00 p.m. - 8:00 p.m., and Saturday from 9:00 a.m. - 1:00 p.m.), we're always here to answer any questions you may have. Feel free to reach out at 713-726-2515 or visit our website at ecdfcu.com for more information. Explore how Empowerment Community Development can help you meet your financial goals today!

Mortgage Loans & Refinancing

If you're ready to buy your dream home or refinance an existing mortgage, our mortgage loans provide various options tailored to your financial situation. Picture yourself in a cozy home with manageable payments that's what we're here to help you achieve!

Personal Banking Solutions

We understand that managing day-to-day finances is essential for everyone. That's why we offer personal banking services that include checking and savings accounts designed to help you easily track your spending and save for the future. Imagine having a checking account that fits perfectly with your lifestyle, whether it's for everyday purchases or special occasions.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at us. That's why we offer personal loans and debt consolidation options that can help lighten your financial burden. Whether it's for medical bills or consolidating credit card debt into one easy payment, we've got solutions ready for you.

Digital & Online Banking

Key Features

While we currently do not offer features like electronic signature authorization or e-statements, our commitment to providing user-friendly services remains strong. Although mobile payments and person-to-person transfers are not available at this time, we are dedicated to enhancing your experience as we grow. Our 24/7 online banking services ensure that you can check your account balances, view transaction history, and manage your accounts with ease. While we don't have a mobile application yet, our website is designed to be accessible on all devices, allowing you to stay connected to your finances wherever you go. At Empowerment Community Development, security is a top priority. We employ advanced measures to keep your information safe while you bank online. You can feel confident knowing that your personal data is protected as you navigate through our digital platforms. Although some features may still be in development, we are excited about the future of our digital banking services. Your feedback helps us shape the offerings that best meet your needs. Stay tuned for updates as we work towards enhancing your online banking experience! For more information or assistance, feel free to reach out at (713) 726-2515. We're here to help!

Financial Strength

Investing in Your Future

With $76,647 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant; with $18 in used auto loans and $478,105 in total loans and leases, we support your financial goals across various sectors.

Member Savings Security

Members' savings are secured through $22,088 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $234,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Member Trust

Total Share Accounts stand at 625, showing a strong and growing member base that trusts us with their finances. Our commitment to your success drives everything we do. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Empowerment Community Development is your trusted partner. Visit us at 6011 W Orem Dr Houston Tx 77085 or call (713) 726-2515 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.*

Operational Efficiency

Our performance shows through our $819, which reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 0 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $77,466, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $768 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 provide some of the lowest rates in the industry, with over $271,867 in used vehicle loans and $145,780 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates that make it easier for you to drive away in your dream vehicle.

Credit Lines and Personal Loans

For those needing extra funds for personal projects or unexpected expenses, we provide access to credit lines totaling $100,000. This flexibility allows you to manage your finances effectively without the stress of long-term commitments. If you're interested in refinancing options or checking your eligibility for any of our loan products, please reach out! Our dedicated team is available at 713-726-2515 during operating hours from 4:00 p.m. - 8:00 p.m. (Monday) and 9:00 a.m. - 1:00 p.m. (Saturday). Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our loan offerings can help you realize your financial ambitions today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we offer Junior Lien 1-4 Family Residential Properties loans totaling $0, providing a pathway for those looking to invest in real estate.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, although currently, there are no available funds in this category. However, our team is always ready to assist you with finding the right financial solutions tailored to your situation.

Loan Aggregator

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