GECU El Paso TX Credit Union | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Gecu, your trusted financial partner located at 716 N Piedras St, El Paso, TX 79903. Established in 1932, we have proudly served our community for over 90 years, helping our members achieve their financial goals. At Gecu, we understand that banking is more than just transactions; it's about building lasting relationships and supporting each other. With a total membership of 434,559, we are committed to providing personalized service that meets your unique needs. Our robust financial standing is reflected in our impressive assets totaling $4,343,428,267 and total deposits reaching $92,051,037. We prioritize your security and trust; that's why we maintain a net worth of $536,807,272 and hold $109,771,725 in cash. Our dedicated team of 967 employees, led by CEO Crystal Long and Board President Greg Watters, is here to assist you with various services including personal banking, auto loans, mortgages, and business loans. Whether you're looking to open an account or seek financing options, we're here to help every step of the way. While members can visit us at our branch on Piedras Street for all their banking needs, official correspondence should be sent to our mailing address at PO Box 20998, El Paso, TX 79998. At Gecu, we believe in giving back to the community. Our efforts extend beyond banking as we actively participate in local initiatives that uplift and strengthen our neighborhoods. We invite you to experience the difference of member-focused banking. Call us today at 915-778-9221 or visit our website at www.gecu.com to learn more about how we can support your financial journey. Your future starts here!

Branch History & Mission

At Gecu, our story is one of growth, dedication, and community spirit. Founded in 1932 in El Paso, Texas, we have built a strong legacy of providing financial services that truly make a difference in the lives of our members. Over the years, we have proudly grown to serve over 434,559 members, reflecting our commitment to fostering financial well-being in our community. Located at 716 N Piedras St, El Paso, TX 79903, our branch has become a trusted resource for individuals and families seeking personal banking solutions. With convenient access to services and an inviting atmosphere, we strive to create a welcoming environment where everyone can feel secure about their financial future. While members can visit us at this location for all their banking needs, official correspondence should be sent to PO Box 20998, El Paso, TX 79998. Our mission is simple yet powerful: to empower our members through accessible financial solutions while enhancing the quality of life in our community. We offer a wide range of services from checking and savings accounts to auto loans and mortgage refinancing. We understand that every member's journey is unique; that's why we are committed to providing personalized support and guidance tailored to individual needs. Gecu has not only focused on expanding its financial offerings but has also prioritized digital advancements. Our online and mobile banking options allow members to manage their accounts easily anytime and anywhere. With ADA compliance measures in place, we ensure that all members can access our services without barriers. Community involvement is at the heart of what we do. We actively participate in various outreach efforts and partnerships that uplift local organizations and initiatives. Our team believes that strong communities create strong futures. As we look ahead, Gecu remains dedicated to nurturing this community-centered approach while continuing to grow our total assets of over $4.3 billion. We invite you to join us on this journey! Experience the benefits of being a part of Gecu where your financial goals are supported by a caring team ready to help you succeed. For more information or assistance with your banking needs, don't hesitate to reach out at 915-778-9221 during our operating hours: Monday through Friday from 9 am to 5 pm and Saturday from 9 am to 12 pm. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Gecu, we prioritize accessibility for all members. Our location is fully compliant with ADA standards, ensuring easy access with ramps and designated parking. You won't have to worry about finding a spot; our parking area is ample and designed with your comfort in mind.

Call-to-Action

So why wait? We invite you to visit us at Gecu today! Our friendly staff is eager to assist you with any inquiries or financial needs you may have. Feel free to give us a call at (915) 778-9221 if you have questions before your visit. We look forward to serving you!

Operating Hours

We understand that life can be busy, so we offer flexible hours to accommodate your schedule. Our lobby is open Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 12 PM. If you prefer quick transactions, our personal tellers are available until 6 PM on weekdays and also from 9 AM to noon on Saturdays. Need cash after hours? Our ATM is accessible 24/7 for your convenience.

Services Offered

At Gecu, we provide a wide range of services tailored to meet the needs of our community. From checking and savings accounts to auto loans and credit cards with rewards, we aim to support both personal and business banking needs. While drive-thru service isn't available at this location, our team is ready to assist you inside or through our online and mobile banking platforms. We believe in making banking as straightforward as possible.

Member Eligibility

At Gecu, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is simple and fulfilling! If you live, work, or attend school in the El Paso area, you're likely eligible to join us. We embrace individuals from diverse backgrounds and offer a range of services tailored to your needs, from personal banking to loans. For those interested in checking the specifics of eligibility, feel free to visit our detailed resource. Opening an account with us is just as easy! You can start your journey toward membership by visiting our branch located at 716 N Piedras St El Paso Tx 79903 or by giving us a call at (915) 778-9221 for assistance. Our friendly team is here to guide you through every step of the process, ensuring that you feel right at home. Join us today and experience the benefits of being part of the Gecu family!

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 $188 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $223,731,465, we continue to drive economic growth by financing new and expanding businesses. Imagine having the funds to purchase that vital piece of machinery or to renovate your workspace these are not just dreams but achievable goals with our financial support.

Merchant Services

In addition to loans, we offer merchant services designed to simplify transactions for your business. Picture this: you're at a busy trade show, and customers want to buy right there and then. Our merchant services allow you to accept payments quickly and securely, whether through card swipes or mobile payments. This means more sales and happier customers, all while streamlining your cash flow. Located conveniently at 716 N Piedras St El Paso Tx 79903, El Paso, TX, we invite you to explore how our business banking and commercial services can be the key to unlocking your business's potential. Let's build success together!

Comprehensive List Of Services

ATM and Cash Withdrawal Services

Convenience is key at Gecu. Our ATM services are available 24/7 for cash withdrawals and balance checks. You can access your funds whenever you need them without having to wait in line during normal branch hours. We believe that financial freedom should be accessible to everyone, which is why we strive to provide comprehensive services that fit your lifestyle. If you're interested in learning more about how Gecu can assist you with your financial needs, don't hesitate to reach out! Call us at (915) 778-9221 or visit us today at 716 N Piedras St El Paso Tx 79903. We're here to help you thrive financially!

Business Banking

If you're a business owner, our business banking services are designed to support you every step of the way. From merchant services that simplify payment processing to business loans that help you expand or maintain operations, we understand what it takes to run a successful venture.

Credit Cards

With our credit cards featuring rewards programs, you can earn points on everyday purchases that can be redeemed for exciting rewards. This is perfect for members who want to get more from their spending while enjoying the benefits of responsible credit use.

Loans and Financing

For those considering purchasing a vehicle or refinancing their home, our auto loans and mortgage options provide competitive rates that help you achieve your goals without breaking the bank. We also offer personal loans for debt consolidation or unexpected expenses, giving you the flexibility to manage your financial situation effectively.

Personal Banking

Our personal banking services include checking and savings accounts that cater to your daily financial needs. Imagine easily managing your money with our user-friendly online and mobile banking platforms, allowing you to check balances, transfer funds, and pay bills right from your smartphone. Plus, with features like e-statements and mobile payments, accessing your finances has never been easier.

Digital & Online Banking

Key Features

Our online banking platform offers user-friendly features that allow you to view your account balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the benefit of e-statements, which means you'll receive your account statements electronically saving paper and making it easier to track your finances. For those on the go, our mobile application brings banking right to your fingertips. It includes a mobile payments feature, so you can easily make purchases using your smartphone. Plus, with person-to-person transfers available, sending money to friends or family is quick and hassle-free.

Security and Accessibility

Your security is our top priority. We use electronic signature authorization for transactions, ensuring that your information stays safe while you manage your accounts online. You can bank with confidence knowing that we have robust security measures in place. Whether you're checking balances during lunch or transferring money at home, our digital banking services provide real-time account management that fits into your lifestyle. The ease of accessing your finances whenever you need them allows you to focus more on what matters most in life. Discover the future of banking at Gecu today!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 708,171, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $18,790,618. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gecu is your trusted partner. Visit us at 716 N Piedras St El Paso Tx 79903 or call (915) 778-9221 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $759,332,098 in share certificates and $208,823,240 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $74,943,468, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $15,709,361 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 922 full-time employees and 45 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Member Services

With $483,997,603 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 $51,050 in used auto loans and $3,285,883,363 in total loans and leases available to help you achieve your dreams.

Strong Financial Health

With a net worth of $536,807,272, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.33% 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 $1,095,679,771 in used vehicle loans and $785,703,359 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable pre-owned vehicle, we've got options that fit your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $223,731,465 provide the capital needed to grow and expand your operations. We understand the importance of having reliable funding for your business ventures and are here to support you every step of the way. At Gecu, we are committed to transparency and excellent service. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our team is ready to assist you with any questions about refinancing options or eligibility requirements. If you're ready to take the next step towards your financial future, give us a call at (915) 778-9221 or visit us at our location: 716 N Piedras St El Paso Tx 79903, El Paso, TX. We're here to help!

Credit Lines and Personal Loans

For those looking for additional flexibility, our credit lines totaling $2,081,061,985 allow you to access funds when you need them most. Additionally, we offer unsecured credit card loans with a total of $308,918,311 in loans helping members manage their finances effectively. These products come with flexible terms that can adapt to your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $85,234,060, make buying or refinancing simple. We can help you navigate the process with ease and find the right financing solution for your dream home.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the rates presented to users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which helps them make well-informed choices. 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!" This feedback highlights the effectiveness and reliability of the tool in assisting borrowers. 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.*

GECU FEDERAL CREDIT UNION - El Paso, TX

Compare Loan Rates Near You

Loan rates in El Paso, TX (79903)