Greater Texas Credit Union Edinburg TX | Low Mortgage Rates & Top Auto Loans

Introduction

Welcome to Greater Texas, your trusted credit union located at 416 S Jackson Rd, Edinburg, TX 78539. Since our establishment in 1952, we've dedicated ourselves to serving the financial needs of our community and fostering a spirit of cooperation among our members. With a total membership of 80,480 individuals and assets exceeding $932,850,912, we pride ourselves on being more than just a financial institution; we are a community partner committed to your success. At Greater Texas, we understand that every member's journey is unique. That's why we offer a range of services tailored to fit your needs from checking and savings accounts to auto loans, mortgages, and business banking solutions. Our total deposits stand at $26,873,488, ensuring that we are well-equipped to support you every step of the way. Our leadership team, headed by CEO Howard Baker and Board President Wesley Yeager, believes in creating an environment where members feel valued and heard. We have a dedicated staff of 213 employees ready to assist you with personalized service during our lobby hours from Monday to Friday and even on Saturdays for your convenience. While members can visit us at our branch location for face-to-face interactions, official correspondence should be directed to our mailing address: 416 S. Jackson Rd, Edinburg, TX 78539-0161. If you prefer digital banking options, our website at gtfcu.org offers comprehensive online services including mobile payments and e-statements. Join us today and experience the difference with Greater Texas where your financial goals are supported with care and dedication. For any inquiries or assistance, don't hesitate to call us at 800-749-9732. Your financial wellness is our priority!

Branch History & Mission

At Greater Texas, our journey began in 1952, rooted deeply in the heart of Edinburg, TX. Over the decades, we have transformed from a small credit union into a thriving community institution that proudly serves over 80,480 members. Our branch at 416 S Jackson Rd is more than just a financial center; it's a gathering place for dreams and aspirations where we empower our members to achieve their financial goals. Our mission is clear: to provide exceptional financial services while fostering community growth. We believe that everyone deserves access to affordable banking solutions that enhance their lives. Whether you're looking for personal banking options, auto loans, or business financing, we are here to guide you every step of the way. As we evolved, we've embraced advancements that make banking easier for our members. Our commitment to digital services includes online and mobile banking, ensuring you can manage your finances conveniently from anywhere. We also prioritize accessibility; our facilities comply with ADA standards so that everyone can enjoy our services without barriers. In addition to our financial offerings, we take pride in being actively involved in the Edinburg community. From supporting local events to partnering with organizations that uplift our neighborhoods, we are dedicated to making a positive impact. While members can visit us at 416 S Jackson Rd, official correspondence should be sent to 416 S. Jackson Rd, Edinburg, TX 78539-0161. Our branch operates Monday through Thursday from 9 AM to 4 PM and Friday from 9 AM to 6 PM, with convenient drive-thru service available Monday through Friday from 8 AM to 6 PM and Saturday from 9 AM to 1 PM. With total assets exceeding $932 million and a strong foundation built on trust and service excellence, Greater Texas invites you to experience the difference of a credit union that's truly invested in your success. Join us today and become part of a community that cares about your financial well-being! For any inquiries or assistance, feel free to reach us at 800-749-9732 or explore our services online at gtfcu.org.

Branch Location & Accessibility

Welcome to Greater Texas, located at 416 S Jackson Rd in the heart of Edinburg, TX! Our branch is designed with your convenience in mind, making it easy for you to access all of our financial services. Whether you're stopping by to open an account, apply for a loan, or just ask a question, we're here to help. Situated near key local landmarks, our branch is easily reachable and offers ample parking space for your convenience. We pride ourselves on ensuring accessibility for all members. Our facility features ADA-compliant entrances and ramps so everyone can enjoy a smooth visit. While our physical location is at 416 S Jackson Rd, official correspondence should be sent to the same address: 416 S. Jackson Rd, Edinburg, TX 78539-0161. Our lobby hours are welcoming and flexible: Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. If you're in need of quick service, our drive-thru banking is available Monday through Friday from 8 AM to 6 PM, making it easy to handle deposits and withdrawals without leaving your car. We also offer ATM services for those who prefer cash transactions outside of regular hours. With all these options available, you can choose what works best for you! If you have any questions or would like more information about our services like personal loans, auto loans, or online banking don't hesitate to reach out! Give us a call at 800-749-9732 or drop by during our operating hours. We look forward to serving you!

Member Eligibility

Becoming a member of Greater Texas is more than just opening an account; it's about joining a community that truly cares about you and your financial well-being. If you're looking to become a part of our family at Greater Texas, you'll be pleased to know that eligibility is straightforward. You can qualify if you live, work, or worship in the areas we serve, which makes it accessible for many people in our community. For those who want to dive deeper into the specific criteria, we invite you to check out more details at http://www.gtfcu.org/greater-texas-cu/why-us/member-discounts. Opening an account with us is a breeze! Once you've confirmed your eligibility, simply follow the easy steps outlined on our website at https://app.loanspq.com/apply.aspx?lenderref=gtcu_greatertx_09162020&_ga=2.256522379.1477157149.1606064421-1996597192.1605906083. If you have any questions or need assistance along the way, feel free to give us a call at (800) 749-9732. We're here to help you every step of the way as you take this exciting step towards better banking!

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 $69 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $51,783,099, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify everyday transactions. Imagine being able to accept credit card payments seamlessly while tracking your sales effortlessly all designed to enhance your customer experience. Our services help you focus on what matters most: growing your business. Visit us at 416 S Jackson Rd Edinburg Tx 78539 in Edinburg, TX, or call us at (800) 749-9732 to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Services

If you're a business owner, we haven't forgotten about you! Our Business Banking solutions include essential tools like Merchant Services & Business Loans to help your enterprise thrive. We understand that running a business comes with its own set of challenges, so we're here to support your financial journey.

Convenient Access

We also provide basic banking services through our Drive-Thru Banking, which is perfect for quick deposits and withdrawals without leaving your car. And if you're in need of an ATM, we've got one right here at our branch! At Greater Texas, we believe that managing money should be simple and accessible for everyone. Our friendly staff is always ready to assist you with any questions or concerns. We invite you to visit us at 416 S Jackson Rd Edinburg Tx 78539, call us at (800) 749-9732, or explore more about what we offer by visiting our website at Gtfcu. Let us partner with you on your financial journey today!

Credit Solutions

With our Credit Cards with Rewards, you can earn while you spend! This service not only offers convenience but also gives back to you for using it. It's perfect for everyday purchases or travel plans.

Digital Banking Features

In today's fast-paced world, having access to your accounts anytime is crucial. That's why we offer robust Online & Mobile Banking features. With just a few taps on your phone or clicks on your computer, you can check balances, transfer money, and even pay bills from the comfort of your home. Plus, our ATM & Cash Withdrawal Services allow for easy access to cash whenever you need it.

Home Financing

Thinking about buying a home? Our Mortgage Loans & Refinancing services can help turn your dream into reality. We guide you through each step of securing your mortgage, helping you find the best rates available. If you're looking to consolidate debt or cover unexpected expenses, our Personal Loans & Debt Consolidation options are designed with your financial wellness in mind.

Personal Banking

Our personal banking services make it easy for you to manage your everyday finances. Whether you're opening a Checking or Savings Account to save for a rainy day or planning for a big purchase, we have options that fit your lifestyle. For those looking to drive off in a new vehicle, our Auto Loans & Vehicle Financing provide competitive rates and flexible terms, ensuring you get behind the wheel without breaking the bank.

Digital & Online Banking

At Greater Texas, we understand that modern banking should be as convenient as possible. That's why we offer a suite of digital and online banking services designed to keep your finances at your fingertips, all while ensuring your information stays secure. With our robust online banking platform, accessible at https://www.gtfcu.org/, you can manage your accounts 24/7 from anywhere. Whether you're checking balances, transferring funds, or paying bills, our user-friendly interface makes it easy. Plus, we provide the option for electronic signature authorization, so you can complete transactions without the hassle of paperwork. For those who prefer to bank on-the-go, our mobile application is available to give you full access right from your smartphone. Enjoy features like person-to-person transfers that allow you to send money to friends and family with just a few taps. If you're out shopping, take advantage of our mobile payments feature to make quick and secure purchases without needing cash or cards. We also offer e-statements, which are not only eco-friendly but also help you keep track of your financial history easily. No more cluttered mailboxes your statements are just a click away! At Greater Texas, we prioritize accessibility and ease-of-use. Our digital banking services empower you to take control of your financial life in real time. Whether it's day or night, our online banking services are here for you whenever you need them. Experience the convenience and security of modern banking with us today!

Financial Strength

Commitment to Member Services

With $66,885,658 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Additionally, with $12,563 in used auto loans and $759,275,314 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Membership Base

Total Share Accounts: 148,828, showcasing a strong and growing member base that trusts us with their finances. As we continue to grow together as a community-focused credit union, your trust means everything to us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Greater Texas is your trusted partner. Visit us at 416 S Jackson Rd Edinburg Tx 78539 or call 800-749-9732 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our current net income reflects operational efficiency; though it stands at -$3,358,731, it allows us to adapt and improve for future growth. We also take pride in having 204 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Secure Savings Options

Members' savings are secured through $150,782,662 in share certificates and $92,828,857 in money market shares, 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.

Solid Financial Foundation

With a net worth of $64,084,859, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 687 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 $254,943,727 in used vehicle loans and $168,895,015 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new vehicle or refinancing an existing loan, our competitive rates can help you save money each month.

Business Loans

For business owners in our community, we have outstanding commercial loans totaling $51,783,099 available to provide the capital needed for growth and expansion. Whether you're starting a new venture or seeking funding for an established business, our team is ready to help navigate your financing needs. At Greater Texas in Edinburg (416 S Jackson Rd), we pride ourselves on offering personalized service and expert guidance throughout your borrowing journey. If you're interested in learning more about any of our loan products or would like assistance with your application process, please don't hesitate to contact us at 800-749-9732. 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 achieve your financial aspirations!

Credit Lines and Unsecured Loans

For those looking for more flexibility in managing expenses, our credit lines total $167,895,133 and are designed to give you access to funds when you need them most. Additionally, we provide flexible terms on unsecured credit card loans, with a total of $4,539,111 in loans assisting members to effectively manage their finances without the burden of collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $31,153,504, make buying or refinancing simple. We offer flexible terms and competitive interest rates designed to fit your budget and goals. If you're considering refinancing your current mortgage, we can help you explore eligibility options that may reduce your monthly payments.

Loan Aggregator

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Greater Texas