Introduction
Welcome to Frio County, your trusted partner in financial services located at 114 S Oak St, Pearsall, TX 78061. Since our establishment in 1970, we have been dedicated to serving our community with reliable banking solutions that empower our members. With a proud membership base of 1,675, we understand the importance of personalized service and financial guidance tailored to your unique needs. At Frio County, we take pride in our solid financial foundation, boasting total assets of $6,508,643 and total deposits reaching $378,556. Our commitment to the community is further reflected in our lending capabilities, with a total of 592 loans and leases designed to help you achieve your financial goals. We believe that everyone deserves access to quality financial products, which is why we offer a wide range of services from checking and savings accounts to auto loans and mortgage refinancing. Under the leadership of our CEO, Aine Morales, and Board President, Anna Alaniz, we strive to foster an environment where members feel valued and supported. Our team of four dedicated employees is here to assist you during our operating hours from 9:00 a.m. to 5:00 p.m. Whether you're looking for advice on personal loans or business banking solutions, we're just a phone call away at (830) 334-2368. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location at 114 S Oak St, Pearsall, TX 78061-3220. Join us today and discover how Frio County can make a positive impact on your financial journey. We look forward to welcoming you into our family!
Branch History & Mission
Community Commitment
At Frio County, we understand that banking is not just about transactions; it's about building a stronger community together. Our outreach efforts include partnerships with local organizations and initiatives aimed at improving the lives of those around us. We strive to be more than just a credit union; we aim to be a cornerstone of support for everyone in Pearsall. Though we don't currently offer ATM or drive-thru services, our dedicated team is here during operating hours Monday through Friday from 9:00 a.m. to 5:00 p.m. to assist you with all your financial needs. For any correspondence or inquiries, feel free to reach us at (830) 334-2368.
Join Us Today
As we look towards the future, we invite you to become part of our journey at Frio County. Experience firsthand how our commitment to service can benefit you and your family. Together, let's create a brighter financial future while nurturing the spirit of community that defines Pearsall.
Our Evolution
From our humble beginnings more than five decades ago, Frio County has continuously evolved to meet the changing needs of our members. We have built a strong foundation based on trust and service. Over the years, we have expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgages, and business banking solutions. Today, our total assets stand at an impressive $6,508,643. Our mission is simple yet profound: to provide quality financial services while enhancing the well-being of our members and supporting our local community. This mission drives us to foster meaningful relationships and offer personalized support tailored to each member's unique situation.
Branch Location & Accessibility
Get in Touch!
If you have any questions or need further information before your visit, don't hesitate to give us a call at 830-334-2368. We look forward to welcoming you into our branch soon and helping you achieve your financial goals!
Nearby Landmarks and Accessibility
Just a stone's throw away from local favorites like the Pearsall City Park, our branch is well-positioned for easy access. If you're driving, you'll find ample parking available right outside our doors. For those who may need additional assistance, rest assured that our facility is ADA-compliant, featuring ramps and other accessibility features to ensure everyone can visit comfortably.
Operating Hours and Services
We invite you to visit us during our lobby hours from 9:00 a.m. to 5:00 p.m., Monday through Friday. Our friendly team is dedicated to providing personalized service, whether you're looking into checking and savings accounts, auto loans, or even mortgage refinancing options. While we currently don't offer ATM services or drive-thru banking, we're committed to making your visit as efficient as possible. While members can visit us at 114 S Oak St for any banking needs, please note that official correspondence should be sent to the same address as our mailing address: 114 S Oak St, Pearsall, TX 78061-3220.
Member Eligibility
Becoming a member of Frio County is like joining a close-knit family where your financial well-being is our top priority. We welcome anyone who lives, works, worships, or attends school in the Frio County area. It's easy to see how you can be part of our supportive community! To get started, simply visit us at our branch located at 114 S Oak St Pearsall Tx 78061 or give us a call at (830) 334-2368 for more details. We pride ourselves on being approachable and friendly, ensuring that your journey with us is smooth and enjoyable. For a detailed look at membership eligibility, feel free to check out the information available. Your path to better banking starts here, and we can't wait to welcome you!
Business Banking & Commercial Services
Business Loan Options
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. - 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.
Merchant Services
Imagine having the tools you need to streamline payments and improve cash flow. Our merchant services allow you to accept payments easily, whether online or in-person. This means faster transactions for your customers and more efficient operations for you. Picture this: a busy Saturday at your store where customers can pay quickly with their cards, enhancing their shopping experience while boosting your sales. Located at 114 S Oak St Pearsall Tx 78061 in Pearsall, TX, we're ready to partner with you on your journey to success. Reach out today at (830) 334-2368 and let's discuss how our business banking services can support your goals!
Comprehensive List Of Services
Business Banking
If you're a business owner, we haven't forgotten about you! Our business banking services, which include merchant services and business loans, are designed to support local entrepreneurs in achieving their goals. Whether you're starting a new venture or expanding an existing one, we provide the tools and resources necessary for success.
Call-to-Action
We invite you to visit us at Frio County in Pearsall or give us a call at 830-334-2368. Our friendly staff is ready to assist with any questions about our services or how we can support your financial journey. Together, let's build a brighter financial future!
Credit Cards
Who doesn't love rewards? Our credit cards with rewards let you earn points on everyday purchases, making it easier for you to save up for that special treat or vacation while managing your spending wisely.
Digital Banking Features
In today's fast-paced world, convenience is key. At Frio County, we embrace technology with features like online and mobile banking that allow you to manage your finances anytime, anywhere. While we don't have ATMs or drive-thru services at this branch currently, our digital offerings ensure you can access your accounts and complete transactions easily from your smartphone or computer.
Personal Banking
Our personal banking services are tailored to help you manage your finances effortlessly. With options for both checking and savings accounts, you can choose the account that fits your lifestyle. If you're considering purchasing a car, our auto loans and vehicle financing solutions make it easy for you to drive away in the vehicle of your choice without breaking the bank. For those looking to invest in their dream home, we offer mortgage loans and refinancing options that can ease the burden of monthly payments and help you save on interest over time. Additionally, our personal loans and debt consolidation services provide a straightforward way to manage existing debts or fund important projects, allowing you to take control of your financial future.
Digital & Online Banking
At Frio County, we understand that banking should fit your lifestyle, which is why we prioritize convenience and security in our digital and online banking services. Even if you can't visit us in person, our online platform ensures you have access to your accounts whenever you need it. Our online banking services offer a straightforward way to manage your finances from the comfort of your home. You can easily check balances, transfer funds, and view transaction history all at your fingertips. Although we currently do not provide mobile applications or mobile payment options, our commitment to enhancing your experience remains strong. While electronic signature authorization is not available at this time, we continue to strive for safe and easy interactions. Unfortunately, e-statements are also not an option for now, but rest assured that we are looking into ways to improve accessibility. If you're looking to send money to friends or family, keep in mind that our current offerings do not include person-to-person transfers. However, we encourage you to stay tuned for future updates as we work towards expanding our services. At Frio County, we believe in providing 24/7 access to your financial information through our online banking portal available. This means you can manage your accounts anytime whether it's early morning or late at night. We aim to make your banking experience as smooth as possible while ensuring that your information remains secure. Join us at Frio County where convenience meets security in digital banking!
Financial Strength
At Frio County, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, ensuring that you can trust us with your hard-earned money. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $2,027,039, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 31.14% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $2,608,901 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. With $2,027,039 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $205 in used auto loans and $5,067,705 in total loans and leases, supporting our members' financial goals across various sectors. Our operational efficiency is reflected in our $-$43,074, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 1,797, 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 114 S Oak St Pearsall Tx 78061 or call (830) 334-2368 to learn more about how we can help you achieve your financial goals.
Loan Offering
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,456,213 in used vehicle loans and $563,985 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we've got you covered with flexible terms and competitive interest rates.
Credit Lines and Personal Loans
For those looking for flexibility in managing finances, we provide credit lines totaling $600,000. This allows our members to access funds as needed while benefiting from lower interest rates compared to traditional credit cards. While we currently do not offer unsecured credit card loans, our focus remains on providing personal loans and debt consolidation services that suit individual financial situations.
Mortgage Loans
Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available, our team can guide you through various options tailored to your needs.
Refinancing Options
If you're considering refinancing your existing loans, we encourage you to reach out for personalized assistance. Our knowledgeable staff is here to discuss eligibility options and find the best solutions for your refinancing needs. For more information or to start your application process today, feel free to contact us at 830-334-2368 or visit us at 114 S Oak St, Pearsall, TX 78061. 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!
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