GECU El Paso TX Credit Union | Top Business Banking & Auto Loans

Introduction

Welcome to Gecu, your trusted partner in financial wellness located at 11987 Rojas Dr, El Paso, TX 79936. Since our establishment in 1932, we have been committed to serving our members with reliable banking solutions tailored to meet your needs. With a strong community presence and a total membership of over 434,559, we pride ourselves on fostering relationships built on trust and care. At Gecu, we understand that financial decisions can be daunting. That's why our dedicated team, led by CEO Crystal Long and Board President Greg Watters, is here to guide you every step of the way. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, we've got you covered. Our branch boasts impressive financial strength with total assets amounting to $4,343,428,267 and total deposits of $92,051,037. We are also proud to offer a wide range of services that include online and mobile banking for your convenience. With over 967 employees working diligently to support our members, we ensure that you receive personalized attention and service whenever you need it. While members can visit us at our physical location, official correspondence should be directed to our mailing address at PO Box 20998, El Paso, TX 79998. If you have any questions or need assistance, don't hesitate to reach out at (915) 778-9221. Join us today and discover how Gecu can help you achieve your financial goals while enjoying the benefits of being part of a community-focused credit union! For more information on our services or to explore membership options, please visit our website at gecu.com. Let us be your partner in financial success!

Branch History & Mission

At Gecu, our story began in 1932, right here in El Paso, TX. Over the decades, we have grown from a small cooperative into a trusted financial partner for over 434,559 members. Our branch at 11987 Rojas Dr stands as a testament to our commitment to providing exceptional service and support to our community. As we evolved through the years, we have embraced advancements that make banking easier and more accessible for everyone. Our total assets now exceed $4.3 billion, reflecting our dedication to sound financial practices and responsible growth. We take pride in offering a wide range of services including personal and business banking, auto loans, mortgage options, and credit cards with rewards. Our mission is simple yet powerful: to empower our members by providing reliable financial services while actively supporting the community we serve. We believe that when our members thrive, the entire community flourishes. This is why we are committed to not just meeting your banking needs but also contributing positively to the lives of those around us. While members can visit us at 11987 Rojas Dr, official correspondence should be sent to PO Box 20998, El Paso, TX 79998. Our doors are open Monday through Friday from 9:30 AM to 5 PM and Saturday from 9 AM to 12 PM. For those who prefer the convenience of drive-thru banking or ATM access, we've got you covered with both available at our location. We strive to make your banking experience as seamless as possible by implementing digital solutions like online banking and mobile payments. These tools allow you to manage your finances on-the-go while ensuring compliance with ADA standards for accessibility. In addition to providing excellent financial services, Gecu actively participates in various community outreach programs. We believe in building strong partnerships within El Paso and contributing resources where they matter most. Join us today at Gecu and discover how we can help you achieve your financial goals while being part of a community-focused credit union. Experience firsthand the benefits of membership and see how we can work together for a brighter future!

Branch Location & Accessibility

Welcome to Gecu, your trusted financial partner located at 11987 Rojas Dr, El Paso, TX 79936. This branch, known as Rojas, is designed with your convenience in mind. Whether you're stopping by for personal banking or exploring loan options, you'll find us easily accessible and ready to help. Situated near popular local landmarks, our branch is easy to reach. There's ample parking available for members visiting in person, and we've ensured that our facility is ADA compliant, featuring ramps and accessible entrances for everyone. While members can visit us at 11987 Rojas Dr, official correspondence should be sent to PO Box 20998, El Paso, TX 79998. We understand that your time is valuable; that's why we offer extended operating hours. Our lobby is open Monday through Friday from 9:30 AM to 5 PM and Saturday from 9 AM to 12 PM. For those who prefer drive-thru services, we're here for you from Monday to Friday between 8 AM and 6 PM and on Saturdays from 9 AM to 12 PM. At Gecu, we offer a range of services tailored to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Plus, with an ATM available on-site and basic drive-thru banking services for deposits and withdrawals, managing your finances has never been easier. Feel free to give us a call at 915-778-9221 if you have any questions or need assistance. We look forward to welcoming you at our Rojas branch!

Member Eligibility

At Gecu, we believe that everyone deserves a chance to thrive in their financial journey, and becoming a member is your first step into our welcoming community. To join us, you'll need to meet some simple eligibility requirements, which generally include living, working, or attending school in the area we serve. We aim to make this process as smooth as possible, so don't hesitate to reach out if you have questions about your specific situation! For detailed criteria, you can check our website at . Once you're ready to take the leap, opening an account is straightforward and designed with you in mind. You can visit us at our branch located at 11987 Rojas Dr El Paso Tx 79936 or give us a call at (915) 778-9221 for assistance. We're here to help you every step of the way as you enjoy the benefits of being part of Gecu, from competitive rates on loans to personalized service that truly cares about your financial goals. Welcome aboard!

Business Banking & Commercial Services

Merchant Services That Make Sense

Managing payments shouldn't be complicated. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Imagine a local café seamlessly processing payments while tracking sales data in real-time. That's the power of our services at work! Located at 11987 Rojas Dr El Paso Tx 79936, El Paso, TX, we invite you to discover how Gecu can support your business journey. Give us a call at (915) 778-9221 or visit us today!

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

Business Banking Services

Small businesses are vital to our community, and that's why we offer specialized services like merchant services and business loans. We aim to support local entrepreneurs by providing the financial tools necessary for growth and success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking services allow you to manage your accounts from anywhere at any time. Whether it's transferring funds, paying bills, or checking balances, everything is just a few clicks away. You can also take advantage of our ATM services for easy cash withdrawals or balance checks without stepping into the branch.

Credit Cards with Rewards

For those who enjoy making purchases while earning rewards, our credit cards come with various perks that benefit you every time you swipe. From cashback offers to travel rewards, these cards enhance your spending experience while helping you manage expenses wisely.

Drive-Thru and ATM Access

For those who prefer in-person transactions but with added convenience, we offer basic drive-thru banking for deposits and withdrawals. Additionally, our ATMs are available 24/7 for quick access to your funds. At Gecu, we're not just about providing services; we're about building relationships with our members. We invite you to visit us at 11987 Rojas Dr El Paso Tx 79936, explore what we have to offer, and see how we can help meet your financial goals. For more information or assistance, don't hesitate to call us at (915) 778-9221 we're here for you!

Home Financing Made Easy

Owning a home is a dream for many, and at Gecu, we make it attainable through our mortgage loans and refinancing options. Our knowledgeable staff will guide you through the mortgage process, helping you choose a plan that fits your financial situation. If you're already a homeowner looking to lower your monthly payments, our refinancing services can help save you money over time.

Loans for Every Need

Life can be unpredictable, and sometimes you may need extra funds. Our personal loans and debt consolidation options provide the financial support you need during those times. Whether it's funding a special project or consolidating existing debts into one manageable payment, we've got you covered.

Personal Banking Solutions

Whether you're opening your first checking account or planning for retirement, our personal banking services are here for you. We offer flexible checking and savings accounts that help you manage your day-to-day finances while earning interest on your savings. If you're looking to buy a car, our auto loans and vehicle financing options are tailored to fit various budgets, ensuring that you can drive away with the vehicle you want without financial stress.

Digital & Online Banking

Accessibility Made Simple

Our commitment to accessibility means that whether you're tech-savvy or just getting started with online banking, you'll find our tools straightforward and easy to use. With mobile payments also integrated into our system, you can make purchases directly from your device without any fuss. Discover how simple banking can be with Gecu! Visit us today at https://www.gecu.com and take control of your financial journey with confidence.

Key Features

Our online banking services give you 24/7 access to your accounts, making it easier than ever to check balances, pay bills, and transfer money. Whether you're at home or on the go, you can stay connected to your finances with ease. Plus, our mobile application offers a smooth experience right from your smartphone, so managing your money is always within reach. Need to send money quickly? Our person-to-person transfer feature allows you to send funds to friends or family in just a few moments. It's perfect for splitting bills or sending a gift without the hassle of cash.

Security You Can Trust

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and secure. Additionally, e-statements are available for those who prefer an environmentally friendly option while keeping their records organized and easy to access.

Financial Strength

Growing Member Base

Total Share Accounts stand at an impressive 708,171, showcasing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $18,790,618, we remain committed to supporting your financial journey. 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 11987 Rojas Dr El Paso Tx 79936 or call 915-778-9221 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our impressive net income of $43,999,209, 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 and committed team.

Reinvesting 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 is significant supporting you with $51,050 in used auto loans and a total of $3,285,883,363 in loans and leases across various sectors.

Secure Savings Opportunities

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.

Solid Financial 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 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. We provide flexible financing options for both new and used vehicles, ensuring you can find the right fit for your budget.

Credit Lines and Business Financing

For those seeking additional flexibility, our total credit lines amount to $2,081,061,985, giving you access to funds when you need them most. Additionally, for business owners, our outstanding commercial loans totaling $223,731,465 provide the capital needed to grow and expand. At Gecu, we strive to ensure that everyone has access to affordable lending options tailored to their specific circumstances. If you're interested in refinancing or want to explore eligibility options, our team is here to help. Feel free to reach out at (915) 778-9221, or visit us at 11987 Rojas Dr El Paso Tx 79936, El Paso, TX. Let's work together towards making your financial goals a reality! 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 guide you through every step of the mortgage process so you can focus on making your house a home.

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 provide an excellent way to handle unexpected expenses while earning rewards along the way.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 compliance ensures that all offers are fair and transparent. By pulling information straight from verified sources, LendMesh guarantees that users receive accurate and up-to-date loan options.

GECU FEDERAL CREDIT UNION

Type of Loan Offerings

Personal Loans

Vehicle Loans