Guardian Credit Union Gulf Coast Mcallen TX | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Gulf Coast, your trusted financial partner located at 4900 N 10Th St, Mcallen, TX 78504. Since our establishment in 1940, we have been committed to serving our community with integrity and dedication. As a proud member of the Gulf Coast Credit Union family, we currently support over 18,793 members with a strong focus on personalized service and financial growth. At Gulf Coast, we understand the importance of community impact. With total assets of $306,950,391 and total deposits amounting to $14,460,737, we are well-equipped to provide various financial services tailored to meet your needs. Our offerings include personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Additionally, our business banking services help local entrepreneurs thrive. Led by our CEO Jeremy Garza and Board President John Jackson, our dedicated team of 91 employees works tirelessly to ensure that every member's experience is positive and enriching. We also maintain a healthy net worth of $27,068,951, showcasing our stability and commitment to responsible management. While members can visit us at 4900 N 10Th St, official correspondence should be sent to the same address for convenience. Feel free to reach out via phone at 956-658-8208 or explore more about us at ccgcfcu.com. Whether you're looking for a new loan or simply want to learn more about how we can assist you in achieving your financial goals, we invite you to join our growing family today!

Branch History & Mission

Community Engagement

Our commitment goes beyond just providing banking services; it extends into active participation within our community. Gulf Coast partners with local organizations and initiatives focused on improving the lives of those around us. Whether it's through financial education workshops or supporting local events, we aim to make a positive impact in Mcallen.

Join Us!

With ATM availability ensuring you can access your funds anytime and a dedicated team ready to assist you during our operating hours of 6-Aug, there's no better time than now to become a member. Experience the personal touch that sets us apart from traditional banks. We invite you to visit us or call us at 956-658-8208 for more information on how Gulf Coast can help you achieve your financial goals. Join us today and be part of something special!

Our Journey

Founded in 1940, Gulf Coast has evolved from a small credit union into a robust institution with a total membership of 18,793 and total assets reaching an impressive $306,950,391. We are proud to have served countless individuals and families in Mcallen and surrounding areas. As we grew, so did our commitment to innovation. Today, we offer a range of services including checking and savings accounts, auto loans, mortgage financing, and business banking solutions that adapt to the changing needs of our members. Located at 4900 N 10Th St, Mcallen, TX 78504, our branch is easily accessible for everyone in the area. Our modern facilities ensure that you have access to essential financial services right at your fingertips. For official correspondence, please send your mail to 4900 N 10th St, Suite G 1, McAllen, TX 78504.

Our Mission

At Gulf Coast, our mission is clear: we are dedicated to empowering our members through exceptional financial services while fostering community growth and well-being. We believe in putting people first offering personalized support and guidance as they navigate their financial journeys. We strive to create lasting relationships built on trust and transparency. As part of this mission, we are proud to provide innovative digital tools such as online banking and mobile payments for added convenience. Accessibility is vital; therefore, we ensure that our services are ADA compliant so that everyone can benefit from what we offer.

Branch Location & Accessibility

Welcome to Gulf Coast, your friendly neighborhood credit union located at 4900 N 10Th St, McAllen, TX 78504. We're proud to serve the vibrant community of McAllen in Hidalgo County, where convenience meets personalized service. Whether you're on your way to a local café or visiting the nearby La Plaza Mall, you'll find us conveniently situated to meet all your banking needs. While members can visit us at our branch address, official correspondence should be sent to 4900 N 10th St, Suite G 1, McAllen, TX 78504. At Gulf Coast, we understand that accessibility is key. Our branch features ADA-compliant entrances and ample parking space for your convenience. If you're in a hurry but still need to access funds or manage your accounts, we offer ATM services right on-site. Our operating hours are designed with your busy schedule in mind. We're open Monday through Friday from 9 AM to 5 PM, ensuring that you have plenty of time to stop by after work or during your lunch break. Although we do not currently offer drive-thru banking services, our staff is always ready and willing to assist you inside the branch. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we're here to help. If you have questions or would like more information about our services, don't hesitate to give us a call at 956-658-8208. We invite you to visit Gulf Coast today and experience the difference of community-focused banking!

Member Eligibility

Joining the Gulf Coast community is a wonderful way to access personalized financial services tailored just for you! To become a member at our branch located at 4900 N 10Th St Mcallen Tx 78504, you simply need to meet a few friendly criteria. If you live, work, worship, or attend school in our area, you're already on your way to joining us! We believe that everyone deserves the opportunity for better banking, which is why we welcome individuals from diverse backgrounds. For more detailed information on eligibility, feel free to check out our website at . Opening an account is straightforward and designed with your convenience in mind. Just visit our website at https://ccgcfcu.com/loans/ or give us a call at (956) 658-8208. Our team is here to help guide you through every step of the process and answer any questions you may have. When you choose Gulf Coast, you're not just opening an account; you're becoming part of a caring community dedicated to helping each other thrive financially.

Business Banking & Commercial Services

Practical Merchant Services

In addition to our loan offerings, we provide merchant services that can simplify payment processing for your business. Imagine having the ability to accept payments easily, whether in-store or online. This flexibility not only enhances customer satisfaction but also helps you manage cash flow more effectively. Located at 4900 N 10Th St Mcallen Tx 78504 in Mcallen, TX, we are here to assist you in navigating your business banking needs. For more information, call us at (956) 658-8208 or visit our website at https://ccgcfcu.com/ . Let's work together to make your business goals a reality!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $771,746, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For our local business owners, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. We know how important it is for businesses to have reliable financial support, so we are here to help you navigate these needs effectively.

Convenient Access Anytime

Accessibility is key at Gulf Coast. With our ATM & Cash Withdrawal Services available at multiple locations, withdrawing cash is hassle-free. You can also take advantage of Basic ATM Access for balance checks and withdrawals whenever you need it.

Credit Cards and Rewards

With our Credit Cards with Rewards, you can earn points on every purchase. Whether it's for travel, dining, or shopping, those rewards can add up quickly! Enjoy the benefits of using a credit card that not only supports your purchases but also rewards you for them.

Financing Your Dreams

Thinking about buying a new car or refinancing your home? Our Auto Loans & Vehicle Financing options help you hit the road without breaking the bank. Plus, our Mortgage Loans & Refinancing services make it easier than ever to achieve homeownership or lower your monthly payments. We also provide Personal Loans & Debt Consolidation, which can help you simplify your finances by combining multiple loans into one manageable payment.

Personal Banking Made Simple

We understand that managing your personal finances can be overwhelming at times. That's why we offer Personal Banking services that include Checking & Savings Accounts tailored to fit your lifestyle. Imagine having the convenience of online banking right at your fingertips checking balances, transferring funds, and making payments from the comfort of your home or on-the-go with our Mobile Banking app.

Stay Connected Digitally

In today's fast-paced world, having reliable digital banking features is essential. Our Online & Mobile Banking platforms allow you to manage your accounts anywhere at any time. From person-to-person payments to electronic statements, we strive to keep your banking experience as smooth as possible. If you're ready to explore these services further or have questions about how we can assist you better, please don't hesitate to reach out. Call us at (956) 658-8208, or visit us at our branch located at 4900 N 10Th St Mcallen Tx 78504 in Mcallen, TX. Join us today and discover how Gulf Coast can help enhance your financial journey!

Digital & Online Banking

Key Features

Need to sign documents quickly? Our electronic signature authorization makes it simple and secure. No more printing or mailing just sign digitally and get back to what matters most. We also offer e-statements for those who prefer a paperless approach. This not only keeps your information secure but also helps reduce clutter. And if you're always on the move, our mobile application lets you manage your accounts right from your smartphone.

Payment Flexibility

For those times when you need to send money to friends or family quickly, our person-to-person transfer feature is just what you need. It's straightforward and convenient no more hassles with cash or checks! Plus, with mobile payments enabled, you can make purchases directly from your device without fumbling for your wallet. With all these features combined, managing your finances has never been easier or more secure at Gulf Coast. Whether you're looking to pay bills, transfer funds, or simply check your balance, our online banking services keep everything at your fingertips. Join us today and experience the ease of modern banking!

Financial Strength

A Growing Community Trusts Us

Total Share and Deposit Accounts: 30,673, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,292,621 further illustrate our readiness to assist you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gulf Coast is your trusted partner. Visit us at 4900 N 10Th St Mcallen Tx 78504 or call (956) 658-8208 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.

Commitment to Service Excellence

Our operational efficiency is reflected in our $-1,462,271, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 91 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Investing Back into the Community

With $26,738,288 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 robust; with $4,298 in used auto loans and $273,486,418 in total loans and leases, we support our members' financial goals across various sectors.

Member Savings Securely Managed

Members' savings are secured through $141,674,791 in share certificates and $18,852,811 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $38,633,479, 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 $27,068,951, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $882 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 $101,586,668 in used vehicle loans and $64,877,702 in new vehicle loans already helping members get on the road. We provide flexible terms that fit your budget so you can drive away with confidence.

Commercial Loans

For business owners, our outstanding commercial loans totaling $771,746 provide the capital needed to grow and expand your business. We know how important it is for local businesses to thrive, and we are here to support you every step of the way.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,388,207 in loans helping members manage their finances effectively. This option allows you to make purchases while enjoying the freedom of easy repayment plans tailored to your needs.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $59,905, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing loan, we offer competitive rates and personalized service to guide you through the process.

Refinancing and Eligibility

If you're considering refinancing any of your current loans or exploring eligibility options for any of our products, don't hesitate to reach out. Our team is here to help navigate your options and ensure you find the best solutions for your financial situation. Feel free to contact us at (956) 658-8208 for more information or visit us at 4900 N 10th St Mcallen Tx 78504. For details about all our loan products and services available at Gulf Coast, please check out our website at ccgcfcu.com. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Loan Aggregator

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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 all offers displayed are fair and transparent. By pulling information directly from verified sources, LendMesh guarantees that users receive accurate and up-to-date loan options.

GULF COAST FEDERAL CREDIT UNION