GECU El Paso TX Credit Union | Low Mortgage Rates & Business Loans

Introduction

Welcome to Gecu, your trusted community credit union located at 7955 N Mesa St Ste B, El Paso, TX 79932. Since our establishment in 1932, we have proudly served 434,559 members with a commitment to providing exceptional financial services tailored to your needs. With total assets amounting to a remarkable $4,343,428,267 and total deposits of $92,051,037, we are here to support your financial journey every step of the way. At Gecu, we understand that banking is more than just transactions; it's about building relationships and fostering community growth. Under the leadership of our dedicated CEO, Crystal Long, and Board President Greg Watters, we strive to create an environment where members feel valued and empowered. Our team of 967 employees is always ready to assist you with services ranging from personal banking and auto loans to mortgage financing and business loans. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 20998, El Paso, TX 79998. We encourage you to take advantage of our wide range of services including online banking and mobile payments for added convenience. Ready to experience the Gecu difference? Give us a call at (915) 778-9221 or visit our website at Gecu.com today! Whether you're looking to save for the future or need assistance with a loan, we're here to help you achieve your financial goals.

Branch History & Mission

Community Engagement

Beyond banking, we actively engage with the community through various outreach programs and partnerships aimed at improving lives. We believe that when our community thrives, we thrive alongside it. This commitment drives us to support local events and initiatives that foster growth and connection among residents. While members can visit us at 7955 N Mesa St Ste B El Paso Tx 79932, official correspondence should be sent to PO Box 20998, El Paso, TX 79998 if it differs from our physical location. Our dedicated team is here to assist you with any questions or concerns; don't hesitate to reach out at (915) 778-9221. Join us at Gecu today and experience firsthand how we can help you achieve your financial goals while being part of a caring community. Your journey toward better financial health begins here!

Our Mission

At Gecu, our mission is clear: to empower individuals and businesses through personalized financial services while giving back to the community that supports us. We believe in building relationships based on trust and respect, providing not just financial products but also guidance tailored to each member's unique circumstances. As we continue to grow, we remain committed to enhancing our services with modern conveniences such as online and mobile banking. We ensure that our facilities comply with ADA standards so everyone can access our resources comfortably. Our 24/7 ATM availability means you can manage your finances at your convenience, while our lobby hours are designed to fit your busy schedule: open from 9 am to 5 pm on weekdays and 9 am to 12 pm on Saturdays.

Branch Location & Accessibility

Convenient Access

Our branch offers ample parking for your convenience, ensuring that you can visit us without any hassle. We are committed to accessibility, featuring ADA-compliant ramps and entrances so everyone can walk in with ease. If you need assistance, our staff is always ready to help!

Get in Touch!

If you're looking for a credit union that values community and accessibility, look no further than Gecu at our El Paso branch! Feel free to give us a call at 915-778-9221 or stop by during business hours we can't wait to welcome you into the Gecu family! Remember, while members can visit us at 7955 N Mesa St Ste B for all their banking needs, official correspondence should be sent to PO Box 20998, El Paso, TX 79998.

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours to fit your schedule. You can drop by our lobby from Monday to Friday between 9 AM and 5 PM and even catch us on Saturday from 9 AM to 12 PM. For those who prefer a little extra time, our Personal Tellers are available until 6 PM during the week as well as on Saturday until noon. Plus, if you need cash or account services outside of these hours, our ATM is available 24/7 for your convenience.

Services Tailored for You

At Gecu, we offer a variety of services designed to meet all your banking needs. From personal checking and savings accounts to auto loans and mortgage options, we have solutions tailored just for you. Our friendly team is always available to guide you through the process and answer any questions you may have.

Member Eligibility

Joining the Gecu family means becoming part of a supportive community that values your financial well-being. If you live, work, or attend school in El Paso, you're already on your way to membership! At Gecu, we welcome individuals from all walks of life, and our eligibility criteria are designed to be inclusive and straightforward. You can find detailed information about who qualifies at this link, making it easy to see if you meet the requirements. Becoming a member at Gecu not only opens up access to a variety of personal banking services but also offers great benefits like competitive loan rates and personalized support. The process to open an account is quick and simple just give us a call at (915) 778-9221 or stop by our branch located at 7955 N Mesa St Ste B El Paso Tx 79932. We're here to help you every step of the way as you take this exciting step toward better financial health!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most serving your customers. From credit card processing to online payment solutions, we equip you with the tools necessary for smooth operations. If you're looking to explore financing options or enhance your payment systems, visit us at 7955 N Mesa St Ste B El Paso Tx 79932 in El Paso, TX. Let's work together to build a brighter future for your business! For more information, call us at (915) 778-9221 or check out our website at https://www.gecu.com.

Tailored Business Loans

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

Business Banking Services

For our business members, we provide comprehensive banking solutions that include merchant services and business loans. Running a business comes with challenges, but having the right financial partner can ease some burdens. Our dedicated team is here to help you navigate through different options tailored specifically for businesses like yours.

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we offer 24/7 ATM access so that you can withdraw cash or check balances whenever needed without any hassle. Our online and mobile banking services ensure that managing your accounts is just a few taps away. We invite you to explore all that Gecu has to offer! Our friendly staff is ready to assist you with any questions or concerns you may have about our services. Reach out by calling us at (915) 778-9221, or visit us in person at 7955 N Mesa St Ste B El Paso Tx 79932 during our operating hours: Monday through Friday from 9 am - 5 pm and Saturday from 9 am - 12 pm. Discover how we can help you reach your financial goals today!

Credit Card Options

Our credit cards come with rewards that give back every time you use them. They are perfect for everyday purchases or those special occasions when you want to earn some extra benefits. Imagine using a card that not only helps you build credit but also rewards you for your spending habits!

Personal Banking Solutions

Our personal banking services make managing your money straightforward and accessible. You can choose from various checking and savings accounts tailored to your lifestyle. Imagine being able to easily access your funds anytime with our online and mobile banking features. You can check your balances, pay bills, and transfer money from anywhere! When it comes to financing your next vehicle, our auto loans and vehicle financing options are competitive and flexible. Picture driving off in that new car with a loan that fits comfortably within your budget. We also offer mortgage loans and refinancing solutions for those looking to purchase their dream home or lower their current payments. If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the financial relief you need. With manageable terms and clear processes, we strive to make borrowing as easy as possible.

Digital & Online Banking

Key Features

Our online banking service offers you 24/7 access to your accounts, so you can check balances, transfer funds, and pay bills at any time. We also provide electronic signature authorization, making it simple for you to complete transactions without the hassle of paperwork. Plus, with e-statements available, you can easily keep track of your financial activities while going green. Are you looking for easy ways to send money? Our person-to-person transfer feature allows you to quickly send funds to friends or family directly from your account. And if you're always on the go, our mobile application ensures that all these services are right at your fingertips. You can even make mobile payments for added convenience.

Security and Ease of Use

We prioritize your security with robust measures in place to protect your information. Our online banking platform is designed with user-friendly features that simplify navigation while ensuring that your data remains safe. Whether you're using a computer or a smartphone, you'll find it easy to manage your accounts in real-time. In today's fast-paced world, having control over your finances is essential. At Gecu, we're committed to providing tools that empower you to do just that efficiently and securely. Explore all these features today at https://www.gecu.com and take the first step towards smarter banking!

Financial Strength

A Solid Foundation

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 $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.

Growing Together

Our financial strength means we can continue serving you with confidence. With net shares available for lending and investments at $18,790,618, along with a robust total share accounts figure of 708,171, it's clear that our member base trusts us with their finances. Whether you're saving, borrowing, or planning for the future, Gecu is your trusted partner. Visit us at 7955 N Mesa St Ste B El Paso Tx 79932 or call (915) 778-9221 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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. We support your goals with $51,050 in used auto loans and $3,285,883,363 in total loans and leases across various sectors. Our commitment to operational efficiency shines through with a net income of $43,999,209, which allows us to provide 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 ready to serve you with knowledge and dedication.

Member-Centric 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. 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.

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 financing a brand-new vehicle or a reliable used car, our flexible terms can accommodate your needs.

Credit Lines and Business Loans

For those looking for additional flexibility in managing cash flow, our credit lines totaling $2,081,061,985 can provide peace of mind. Additionally, for business owners, our outstanding commercial loans totaling $223,731,465 provide the capital needed to grow and expand your business. At Gecu, we prioritize helping our members find the right financial solutions tailored to their unique situations. Whether you are interested in purchasing a vehicle or exploring mortgage options, we're here to assist you every step of the way. For more information or to discuss eligibility and refinancing options available for each product, feel free to reach out to us at (915) 778-9221 or visit us at our branch located at 7955 N Mesa St Ste B El Paso Tx 79932 in El Paso, TX. 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? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $85,234,060, make buying or refinancing simple. We strive to make the process straightforward, ensuring you have the support you need every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $308,918,311 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards programs that fit your spending habits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that every loan offer presented is fair and transparent. Users can trust that they are looking at accurate information as they compare options.

Gecu

Type of Loan Offerings

Personal Loans

Vehicle Loans