GECU El Paso TX Credit Union | Cheap Mortgage Refinance & Auto Loans

Introduction

Welcome to Gecu, your trusted financial partner located at 12400 Montwood Dr, El Paso, TX 79928. Since our establishment in 1932, we've been dedicated to providing exceptional banking services to our growing community of over 434,559 members. With total assets exceeding $4.34 billion and deposits totaling $92,051,037, we are committed to ensuring your financial needs are met with care and expertise. At Gecu, we pride ourselves on being more than just a credit union; we are an integral part of the El Paso community. Our team of 967 employees, led by CEO Crystal Long and Board President Greg Watters, is here to support you with a variety of services, including personal banking, auto loans, mortgages, business loans, and much more. Whether you're looking for a new vehicle or planning for your future, we have the resources and knowledge to help you succeed. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 20998, El Paso, TX 79998. We understand that convenience is key; that's why we offer 24/7 ATM access alongside our friendly lobby hours from Monday to Friday. Join us today and discover how Gecu can make a positive impact on your financial journey. For more information or assistance, feel free to give us a call at 915-778-9221 or visit our website at gecu.com. Together, let's build a brighter financial future!

Branch History & Mission

Community Engagement

We take pride in being more than just a financial institution; we are an integral part of the El Paso community. Through partnerships with local organizations and participation in events, we aim to uplift those around us. Whether it's providing educational workshops or sponsoring local sports teams, we are dedicated to making a positive impact.

Join Us

With operating hours from Monday through Friday (9 am - 5 pm) and Saturday (9 am - 12 pm), Gecu is here for you when you need us most. Additionally, our ATM services are available 24/7 for your convenience. If you're looking for a credit union that puts people first while offering robust financial products like auto loans, mortgages, and credit cards with rewards, look no further. We invite you to become part of the Gecu family today! Experience firsthand how we can help you reach your financial dreams while being actively involved in making El Paso an even better place to live. Call us at 915-778-9221 or visit our website at www.gecu.com to learn more about what we offer. Together, let's build a brighter future!

Our Journey

Since our opening in 1932, Gecu has been committed to providing high-quality financial services that empower individuals and families. Our journey began with a small group of members who shared a vision of accessible banking for all. As we expanded our offerings from personal checking accounts to auto loans and business banking we remained focused on serving our community with integrity and compassion. Our branch has seen many milestones throughout its history. We've embraced technological advancements to improve accessibility and convenience for our members. Today, we offer online banking, mobile payments, and other digital services that make managing finances easier than ever before.

Our Mission

At Gecu, our mission is clear: We strive to deliver exceptional financial solutions while enhancing the well-being of our members and the community we serve. We believe that everyone deserves access to reliable financial resources that help them achieve their goals. Our commitment extends beyond just banking; we actively engage in community outreach efforts that support local initiatives and foster growth within El Paso. While members can visit us at 12400 Montwood Dr, official correspondence should be sent to PO Box 20998, El Paso, TX 79998.

Branch Location & Accessibility

Welcome to Gecu! Conveniently located at 12400 Montwood Dr El Paso Tx 79928 in beautiful El Paso, TX, we are here to serve you with a friendly smile and a range of financial services. Our branch is easy to access, whether you're coming from the nearby landmarks like [insert local landmark] or just passing through the area. At Gecu, we understand that accessibility is key. Our location features ample parking and complies with ADA standards, making it easy for everyone to visit us. While members can meet with our dedicated team in person during our operating hours Monday through Friday from 9 AM to 5 PM, and Saturday from 9 AM to 12 PM you can also take advantage of our ATM services available 24/7, perfect for those who need cash outside of regular business hours. If you prefer banking from home, we offer robust online and mobile banking services for your convenience. For those who may not be able to make it inside, please note that while we do not have drive-thru banking available, our staff is always ready to assist you at the front counter. Should you need to send official correspondence, please use our mailing address: PO Box 20998, El Paso, TX 79998. We are proud to be part of the El Paso community and look forward to helping you achieve your financial goals. Feel free to call us at (915) 778-9221 if you have any questions or need assistance. We invite you to stop by and see how we can help with your personal banking needs!

Member Eligibility

Becoming a member of Gecu feels like joining a family that truly cares about your financial well-being. Located at 12400 Montwood Dr El Paso Tx 79928, we welcome anyone who lives, works, worships, or attends school in the area. Our community-oriented approach means we're here for you whether you're just starting out or looking to deepen your financial journey. To find out more about our eligibility criteria, you can visit this helpful resource: . Joining is simple and straightforward; you'll find that opening an account with us brings numerous advantages like personalized service, competitive rates on loans and savings, and access to a wide range of financial products tailored to your needs. If you're ready to take the next step or have any questions, don't hesitate to give us a call at (915) 778-9221. We're excited to welcome you into our Gecu family!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine having the tools you need to make transactions easier and faster for your customers. Our merchant services provide just that. From mobile payment solutions to online transaction processing, we help you manage your cash flow efficiently while enhancing customer satisfaction. These services simplify how you do business, allowing you to focus on what really matters growing your enterprise. Located at 12400 Montwood Dr El Paso Tx 79928 in El Paso, TX, our team is ready to assist you. Contact us today at (915) 778-9221 to learn more about how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? Our network includes ATM services available 24/7 for convenient withdrawals and balance checks because we know life doesn't always stick to business hours. With all these offerings combined under one roof at Montwood, you'll experience the ease of managing your finances without stress. We invite you to visit us or call us at (915) 778-9221 today! Let's discuss how we can best serve you and help you achieve your financial dreams.

Auto Loans & Vehicle Financing

If you're ready to hit the road in a new vehicle, our auto loans and vehicle financing options make it easier than ever. We understand that purchasing a car can be daunting, which is why we provide competitive rates and flexible terms tailored to fit your budget. Picture driving off in your dream car with manageable monthly payments that won't break the bank.

Business Banking

For local business owners, our business banking services include merchant services and business loans tailored to help grow your enterprise. Whether you're starting a new venture or expanding an existing one, we are committed to supporting your goals with financial products designed just for businesses.

Credit Cards with Rewards

At Gecu, we also offer credit cards with rewards that give back as you spend. Earn points on purchases that can be redeemed for travel, merchandise, or even cash back! It's a smart way to maximize every dollar spent while enjoying added benefits.

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans and refinancing services can help you find the right loan for your situation. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, our knowledgeable staff will assist you through each phase of the process, ensuring clarity and confidence in your decisions.

Personal Banking

For those seeking everyday banking solutions, we offer personal banking services, including checking and savings accounts designed to help you save while managing your finances effectively. Imagine having a secure place for your funds, complete with easy online access. You can check balances, transfer money, and pay bills from the comfort of your home using our online and mobile banking platforms.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our personal loans come into play. These loans can assist with anything from medical bills to home repairs. Additionally, if you're feeling overwhelmed by multiple debts, consider our debt consolidation options that simplify your payments into one manageable loan.

Digital & Online Banking

Mobile Application for On-the-Go Access

For those who prefer managing their accounts from their smartphones, our mobile application is here to help. With a few taps, you can view transactions, deposit checks, and even send money to friends using our person-to-person transfer feature. Plus, with mobile payments enabled, making purchases is as easy as a swipe on your phone!

Online Banking Made Simple

With our user-friendly online banking platform, available at https://www.gecu.com, you can effortlessly check balances, pay bills, and transfer funds all from the comfort of your home or while out and about. Our 24/7 online banking services mean you can access your account whenever it suits you, ensuring you're always in control of your finances.

Real-Time Account Management

Stay informed about your finances in real time. Our digital banking tools allow you to monitor transactions and manage accounts effectively. You'll receive instant notifications for any activity on your accounts so that you're always aware of what's happening. At Gecu, we're committed to making banking accessible and straightforward for our members. Embrace the convenience of digital banking today!

Security You Can Trust

Your security is our top priority. We offer electronic signature authorization for added protection when signing important documents online. Additionally, e-statements are available to help keep your information safe while reducing clutter no more worrying about lost mail or stolen documents.

Financial Strength

Conclusion

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 12400 Montwood Dr El Paso Tx 79928 or call (915) 778-9221 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.

Dedicated Team at Your Service

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. You're not just another number; you're part of our family. With net shares available for lending and investments totaling $18,790,618, along with a robust total share account base of 708,171, we show a strong commitment to serving our growing member base that trusts us with their finances.

Our 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. This solid foundation is crucial as it enables us to invest in your banking needs confidently. Our net worth ratio of $1,233 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This means you can rely on us to be here when you need us most.

Security for Your Savings

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. We prioritize your interests by focusing on beneficial resources instead of profit maximization. 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. 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. Your trust allows us to enhance the services we provide continually.

Supporting Your Goals

With $51,050 in used auto loans and $3,285,883,363 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether you're looking for an auto loan or personal financing, we're here to help make those dreams come true. Our impressive $43,999,209 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. It's all about ensuring that you have access to what you need when you need it.

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. We have options for both new and used vehicles that can fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $223,731,465 provide the capital needed to grow and expand your business. We are committed to supporting local businesses and helping them succeed in their endeavors.

Credit Card Loans

Managing your day-to-day expenses has never been easier with our flexible terms on unsecured credit card loans. With a total of $308,918,311 in unsecured credit card loans issued, we provide options that help you manage your finances effectively while enjoying rewards along the way.

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans be it auto or mortgage Gecu offers competitive rates and personalized service to ensure you receive the best possible outcome based on your unique situation. You can reach us at (915) 778-9221 for more information about our loan offerings or to discuss eligibility options tailored to your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at our branch located at 12400 Montwood Dr El Paso TX 79928 or check out our website here for more details. Let Gecu be your partner in achieving financial success!

Loan Aggregator

Accurate Loan Comparisons

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Gecu

Type of Loan Offerings

Personal Loans

Vehicle Loans