First Basin Credit Union Odessa TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Basin Credit Union, where we believe in empowering our members and fostering a strong community spirit! Established in 1965, our branch at 713 Golder Ave, Odessa, TX 79761 has been dedicated to serving the financial needs of over 29,000 members. With total assets amounting to an impressive $313,974,208 and total deposits reaching $11,710,777, we are committed to providing you with reliable banking solutions tailored just for you. At First Basin, we understand the importance of trust and reliability in your financial journey. Our team of 97 dedicated employees is here to guide you through every step, whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages. Under the leadership of CEO Shem Culpepper and Board President Sam Gonzalez, our mission remains clear: to enhance the lives of our members through exceptional service and innovative products. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 2740 North County Road West, Odessa, TX 79764. Our doors are open from Monday to Friday, 8:30 AM to 5:30 PM, ready to assist you with your banking needs. Join us today at First Basin Credit Union and discover how we can help you achieve your financial goals! Whether you're interested in applying for a loan or simply have questions about our services, don't hesitate to reach out at (432) 333-5600. We look forward to welcoming you into our family!

Branch History & Mission

A Rich Legacy

First Basin was established with a vision to provide accessible financial services to the people of Odessa and surrounding areas. Our commitment to our members has driven us to continually enhance our offerings while remaining true to our core values of trust and community focus. The journey from our inception to now has seen significant milestones, including expanding our services to include personal banking, auto loans, mortgages, credit cards, and business banking. Our branch is not just a financial institution; it's a hub for community engagement. We are actively involved in various outreach programs that aim to uplift and support local initiatives. Whether it's providing financial literacy workshops or participating in charity events, we strive to make a positive impact on the lives of those we serve.

Join Us Today

We invite you to become part of the First Basin family. Experience the benefits of being a member of a credit union that truly cares about your financial future. Together, we can build stronger communities and brighter futures. For more information on how to join or open an account, please visit our website or click here to get started. Thank you for considering First Basin Credit Union as your trusted financial partner!

Our Mission

At First Basin Credit Union, our mission is simple yet profound: We aim to empower individuals and families by offering reliable financial services that promote economic stability and growth. We believe that everyone deserves the opportunity to achieve their financial goals. That's why we offer competitive rates on loans and deposits, flexible account options, and personalized service tailored to meet each member's unique needs. While you can visit us at our branch address for all your banking needs during our operating hours Monday through Friday from 8:30 AM to 5:30 PM we also recognize the importance of convenience in today's digital world. Our online banking platform allows members to manage their accounts anytime, anywhere. With features like mobile payments and e-statements, we make it easier than ever for you to stay connected with your finances. If you need assistance or have questions about your account, feel free to call us at 432-333-5600.

Branch Location & Accessibility

Accessibility and Features

At First Basin, we prioritize your convenience and comfort. Our branch features ADA-compliant entrances and ramps, making it easy for everyone to access our services. Parking is available right outside, allowing for quick visits whether you're using our drive-thru or coming inside. We are proud to offer ATM availability for those on-the-go, ensuring you can easily manage your cash without delay. Plus, with our drive-thru service, you can take care of deposits and withdrawals from the comfort of your vehicle.

Connect With Us

If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 432-333-5600 or simply drop by during our lobby hours. We look forward to welcoming you into the First Basin family!

Operating Hours

Our dedicated team is here for you during convenient operating hours: Monday through Friday from 8:30 AM to 5:30 PM. We understand that life can get busy, so we've designed our hours to fit into your schedule effortlessly.

Services Offered

First Basin Credit Union is more than just a place to bank; we offer a range of personal and business services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have options that cater to everyone. Our online and mobile banking services make managing your finances easier than ever!

Member Eligibility

At First Basin, we believe that joining our community is about more than just banking; it's about becoming part of a supportive family. To become a member, you'll find that eligibility is quite approachable. If you live, work, or worship in the area, or if you're related to someone who does, you're likely already on your way to joining us! We're all about inclusivity and want to make sure everyone has access to our range of financial services. Plus, as a member, you'll enjoy benefits like lower loan rates and personalized service tailored just for you. Ready to take the next step? Opening an account with us is simple and straightforward. You can find detailed information about membership eligibility by visiting this link. If you have any questions or need assistance, don't hesitate to call us at (432) 333-5600. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $117 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $28,352,269, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running a bustling café or retail shop where transactions flow smoothly. Our merchant services make it easy for you to accept payments from customers, ensuring quick and secure transactions. From credit card processing to mobile payment solutions, we provide the tools that keep your business thriving. Located at 713 Golder Ave Odessa Tx 79761 in Odessa, TX, we invite local businesses to explore how our banking services can fuel their growth. Reach out to us at (432) 333-5600 to learn more about how we can support your journey!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM and drive-thru services ensure access when you need it most. Whether you're making simple transactions like deposits or withdrawals from your car or an ATM nearby, we've got you covered. At First Basin, we strive to create a welcoming atmosphere where all members can find the right financial solutions tailored just for them. For more information about any of these services or assistance in choosing what's best for you, please don't hesitate to call us at 432-333-5600 or visit us online at firstbasin.com. We look forward to helping you achieve all your financial goals!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easy for you to get behind the wheel without breaking the bank. With competitive rates and flexible terms, we ensure that getting a loan is a smooth process. Picture driving off in your new car, knowing you've made a smart financial decision with our help.

Business Banking Services

For business owners, we offer tailored business banking solutions including merchant services and business loans. These services are designed to help businesses thrive in our community. Imagine having the tools necessary to grow your venture from managing cash flow to expanding operations.

Credit Cards with Rewards

Our credit cards with rewards add value every time you spend. Whether it's cash back on groceries or points for travel, using our card means you're earning while spending wisely. Think about how rewarding it would feel to receive benefits just for making everyday purchases!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide comprehensive online and mobile banking services that allow you to manage your accounts anytime, anywhere. From checking balances to making transfers or paying bills with just a few taps on your phone banking has never been easier.

Mortgage Loans & Refinancing

Homeownership can feel out of reach, but with our mortgage loans and refinancing options, it's more attainable than ever. Whether you're buying your first home or refinancing an existing mortgage to lower your payments, we're here to guide you through each step. Envision settling into your new home, enjoying the comfort and stability it brings.

Personal Banking Solutions

Whether you're opening your first checking account or planning for future savings, our personal banking services are designed with you in mind. We offer various checking and savings accounts that help you manage your money effectively. Imagine having a place where you can save for that dream vacation or simply keep your funds secure that's what we aim to provide.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans provide the support you need during those times. If you're looking to simplify your finances, consider our debt consolidation options as well. We aim to ease the burden of multiple payments by helping you combine them into one manageable loan.

Digital & Online Banking

E-Statements and Mobile Features

Gone are the days of waiting for paper statements in the mail. Enjoy the simplicity of e-statements at First Basin. You'll receive your financial information quickly and securely right in your inbox no more clutter! For those who are always on the go, our mobile application puts banking right at your fingertips. You can make mobile payments easily and conduct person-to-person transfers with just a few taps on your smartphone. This flexibility allows you to stay connected to your finances wherever life takes you.

Security and Accessibility

Your security is our top priority. We employ advanced measures to protect your personal information while ensuring that our digital banking tools remain easy to use. You can trust that your data is safe while enjoying real-time account management. In summary, First Basin offers a complete range of digital and online banking services tailored for your lifestyle. From e-statements to mobile payments and secure online transactions, we're here to support you every step of the way!

Financial Strength

Growing Together

Total Share and Deposit Accounts: 57,839, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $976,779. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Basin is your trusted partner. Visit us at 713 Golder Ave Odessa Tx 79761 or call (432) 333-5600 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.

Member-Centric Savings

Members' savings are secured through $15,488,479 in share certificates and $54,408,746 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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 97 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $31,880,014 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 $2,929 in used auto loans and $205,331,752 in total loans and leases.

Strong Financial Health

With a net worth of $34,205,562, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,089 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 $64,215,876 in used vehicle loans and $53,038,356 in new vehicle loans already helping members get on the road. We provide flexible financing options tailored to fit your budget and needs. Plus, refinancing options are available if you're looking to lower your monthly payments or interest rate.

Business Loans

For business owners, our outstanding commercial loans totaling $28,352,269 provide the capital needed to grow and expand your business. Whether you're starting out or looking to take your established business to the next level, we have solutions that can support your entrepreneurial dreams.

Conclusion

At First Basin, we prioritize making financial services accessible and straightforward for our community. If you're interested in learning more about our loan offerings or want to explore eligibility options, feel free to reach out at 432-333-5600 or visit us during our operating hours: Monday - Friday from 8:30 AM - 5:30 PM. For more information about account openings and eligibility criteria, please visit our website. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? While we currently do not offer Junior Lien 1-4 Family Residential Properties loans totaling $0, we can still assist you with various mortgage options that may fit your situation. Refinancing opportunities can also be explored if you are looking to take advantage of lower interest rates or adjust your loan terms.

Unsecured Credit Card Loans

Managing finances effectively is crucial for everyone. We also offer flexible terms on unsecured credit card loans, with a total of $2,754,575 in loans available. These cards come with competitive rates and features that make it easier for our members to manage their day-to-day expenses without the burden of high-interest rates.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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FIRST BASIN CREDIT UNION