Frio County Pearsall TX Credit Union | Best Auto Loans & Personal Banking

Introduction

Welcome to Frio County Credit Union, your trusted financial partner located at 112 N Trevino St, Pearsall, TX 78061. Since our establishment in 1970, we have proudly served our community, helping over 1,650 members achieve their financial goals. With total assets of $5,547,444, we are committed to providing personalized banking solutions that cater to your unique needs. At Frio County Credit Union, we understand that every member's journey is different. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and even business banking options. Our dedicated team of just 3 employees, led by our CEO Belinda Gonzales and Board President Damian Esqueda, is here to assist you in navigating your financial path with care and expertise. We take pride in our strong community ties and transparency in operations. With total deposits reaching $229,058 and a net worth of $2,084,365, you can trust that your funds are secure with us. We also maintain a healthy cash reserve of $100, ensuring liquidity and responsiveness to our members' needs. While you can always reach us at the branch for face-to-face interactions, any official correspondence should be sent to the same address: 112 N Trevino St, Pearsall, TX 78061-1525. Feel free to give us a call at 830-334-4687 during our operating hours from 9:00 a.m. to 5:00 p.m., Monday through Friday. We invite you to visit our branch or explore more about our offerings online at our website (if applicable). Join us today and let Frio County Credit Union help you build a brighter financial future!

Branch History & Mission

Join Us Today

As we look forward to the future, we invite you to become part of our growing family at Frio County. Experience firsthand how we blend tradition with modern banking needs. Whether you're looking for a new checking account or seeking financing options for your next vehicle or home purchase, we're here for you. Reach out today at (830) 334-4687 or visit us at our branch location. Let us help you achieve your financial goals while being an integral part of this vibrant community!

Our Mission

At Frio County, we aim to enhance the lives of those we serve by providing accessible financial solutions tailored to individual needs. Our mission goes beyond traditional banking; we strive to foster relationships built on trust and transparency. Our dedicated team is here to guide you through every step of your financial journey. We are proud of our customer-centric approach which includes personalized service and support from knowledgeable staff. Although we currently do not offer ATM or drive-thru services, our lobby hours from 9:00 a.m. to 5:00 p.m., Monday through Friday, ensure that you can always connect with us when you need assistance. We understand that being part of a community means giving back. That's why we actively participate in local events and initiatives designed to uplift and support residents of Pearsall and the surrounding areas.

Branch Location & Accessibility

Call to Action

Have questions or want to learn more about what we offer? Feel free to give us a call at 830-334-4687! We invite you to visit us at Frio County and experience the personalized service that sets us apart from other financial institutions. Your journey towards better banking starts here!

Nearby Landmarks and Access

Conveniently situated near local landmarks, our branch is easy to find. If you're heading over from downtown Pearsall or nearby neighborhoods, you'll appreciate the straightforward access. We ensure that our location is not just visible but also accessible, with features that accommodate all members of the community.

Operating Hours and Services

We're open Monday through Friday from 9:00 a.m. to 5:00 p.m., providing flexibility for your busy schedule. While you're here, take advantage of our various services including checking and savings accounts, auto loans, mortgage refinancing, and more. Unfortunately, we do not currently offer ATM services or drive-thru banking; however, our dedicated staff is always ready to assist you inside the branch.

Parking and Accessibility Features

At Frio County, we understand that accessibility matters. Our branch offers ample parking space right outside, so you won't have to worry about finding a spot. Plus, our facility is ADA-compliant, ensuring everyone can easily enter and navigate our space.

Member Eligibility

At Frio County, we believe that becoming a member is like joining a family where everyone supports each other. If you live, work, or worship in the area, you're already on the right path to membership! Our community is open to those who share our values and are ready to take advantage of the many benefits we offer. Becoming a member means access to personalized banking services designed to help you achieve your financial goals. To learn more about the specific eligibility criteria. Opening an account with us is simple and welcoming just reach out to us at (830) 334-4687 or stop by our branch located at 112 N Trevino St Pearsall Tx 78061 during our operating hours from 9:00 a.m. to 5:00 p.m., Monday through Friday. We're here to assist you every step of the way!

Business Banking & Commercial Services

Commercial Loans to Fuel Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have any member or non-member commercial loans funded, we recognize the importance of flexible financing options for entrepreneurs in our community.

Merchant Services for Everyday Needs

In addition to financing, we offer merchant services designed to streamline your transactions. Imagine a small café using our point-of-sale systems to accept payments quickly and easily, allowing them to focus more on delighting customers rather than managing cash flow issues. Our services help businesses like yours operate smoothly, ensuring you have the tools needed to thrive. Whether you're just starting out or looking to expand, Frio County is here to support your journey. Visit us at 112 N Trevino St Pearsall Tx 78061 or call us at (830) 334-4687 for personalized assistance tailored to your business needs. Let's build a brighter future together!

Comprehensive List Of Services

Business Banking

For local business owners, we provide tailored Business Banking services including Merchant Services and Business Loans. We want to support your growth and success by offering financial solutions that work for you.

Connect With Us

At Frio County, we prioritize building relationships with our members. Your financial well-being is important to us, and we strive to make every interaction positive and productive. If you have any questions about our services or need assistance, please don't hesitate to call us at (830) 334-4687. Explore how we can help you meet your financial goals today! Whether you're interested in personal banking or business services, visit us at 112 N Trevino St Pearsall Tx 78061 in Pearsall, TX and let us partner with you on your financial journey!

Credit Cards

Our Credit Cards with Rewards program allows you to earn points on purchases while enjoying the flexibility of credit. Use them for everyday spending and watch the rewards add up!

Digital Access

In today's fast-paced world, convenience matters. That's why we offer Online & Mobile Banking, allowing you to manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills with just a few taps on your smartphone. While we currently do not have ATM services at our branch, our team is always available during lobby hours from 9:00 a.m. to 5:00 p.m., Monday through Friday, to assist with cash withdrawals and other banking needs.

Home Financing

For those dreaming of homeownership or looking to refinance, our Mortgage Loans & Refinancing services provide flexible options to suit your situation. Our knowledgeable staff can guide you through the process, making it simple and straightforward.

Personal Banking

We offer a variety of personal banking options, including Checking and Savings Accounts designed for everyday use and long-term savings. Whether you're looking to manage your daily expenses or save for a big purchase, our accounts come with features that fit your lifestyle. If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing solutions can help you get behind the wheel quickly and affordably. With competitive rates, we aim to make car buying as easy as possible.

Personal Loans

Sometimes life throws unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come in handy. We offer loans that can help you manage debt or finance personal projects without the hassle.

Digital & Online Banking

Accessibility and Ease of Use

Our platform is user-friendly and designed for members of all tech levels. You don't need to be a financial expert to navigate through your accounts. And while we currently do not have a dedicated mobile application or 24/7 online banking services, our staff is here during regular hours to assist you with any questions you may have. In today's fast-paced world, having real-time access to your finances is crucial. At Frio County, we're dedicated to providing the tools that empower you to manage your money effectively. Explore more about how our digital banking services can work for you. Your financial journey is important to us!

Key Features

With our online banking services, available, you can easily check your account balances, review transactions, and transfer funds all from the comfort of your device. Although we currently do not offer electronic signatures or e-statements, our commitment to security ensures that your information remains protected at all times. While features like mobile payments and person-to-person transfers are not available just yet, we're continually working to enhance your banking experience. We want to make sure that every transaction you make is smooth and hassle-free.

Financial Strength

Commitment to Growth

With $2,027,736 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach supports our capacity to provide financing options tailored to your needs. We currently have $203 in used auto loans and $4,525,590 in total loans and leases available for our members.

Dedicated Team

We take pride in having 3 full-time employees who are committed to serving you with knowledge and dedication. Our team is always ready to assist you with any banking needs you may have.

Member-Centric Focus

Members' savings are secured through $2,003,466 in share certificates, 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 financial performance is reflected in our $-$43,074, which showcases our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products for our members.

Solid Financial Foundation

With a net worth of $2,084,365, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 37.57% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Membership Base

Total Share and Deposit Accounts: 1,773, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Frio County is your trusted partner. Visit us at 112 N Trevino St Pearsall Tx 78061 or call (830) 334-4687 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,437,215 in used vehicle loans and $495,902 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles. If you need help with refinancing options, our team is here to guide you through the process.

Business Financing

For business owners considering growth opportunities, we have outstanding commercial loans that can provide the necessary capital for expansion currently totaling $0, but always open to exploring future possibilities. Our branch is located at 112 N Trevino St, Pearsall, TX 78061, where our friendly team is ready to assist you from 9:00 a.m. - 5:00 p.m. If you have any questions or want to discuss loan options further, don't hesitate to call us at 830-334-4687. 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 navigate your financial journey with confidence!

Credit Lines and Unsecured Loans

For those looking for additional financial flexibility, we offer credit lines totaling $600,000. This can be an excellent way to manage unexpected expenses or consolidate debt. Additionally, while we currently do not offer unsecured credit card loans at this time, please check back later as we continuously review our offerings based on member needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have any Junior Lien 1-4 Family Residential Properties loans available, we encourage you to reach out for future opportunities. Our knowledgeable staff can assist you in understanding eligibility requirements and what options might be available when you're ready.

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FRIO COUNTY FEDERAL CREDIT UNION - Pearsall, TX

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