Harris County Credit Union Houston TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Harris County, your trusted partner for financial growth and community support right here in the heart of Houston, TX. Established in 1951, we have proudly served our members for over 70 years, fostering a sense of belonging and financial empowerment. With a robust membership of 19,157 individuals, we are committed to providing personalized banking solutions that truly meet your needs. Located at 1400 Franklin St, our main office is designed to be accessible and inviting. While you can visit us at this location, official correspondence should be sent to 1400 Franklin St, Houston, TX 77002-2147. Our friendly staff is here to help you navigate everything from checking and savings accounts to auto loans and mortgage refinancing. At Harris County, we believe in the power of community. We take pride in managing total assets of $208,490,478, with total deposits reaching $23,233,392. Our net worth stands strong at $43,985,791, reflecting our solid foundation and commitment to serving our members effectively. Moreover, we have facilitated over 13,221 loans and leases, demonstrating our dedication to helping you achieve your financial goals. Under the leadership of our CEO, Vicki Squires, and Board President, Diana Woodley, we strive to create a welcoming environment that supports not only your financial well-being but also contributes positively to our local community. With a dedicated team of 42 employees, we're always ready to assist you with any questions or concerns. Whether you're looking for personal banking services or business solutions like merchant services and business loans, we've got you covered. Don't hesitate to reach out by calling us at 713-755-5160 or visiting us during our convenient hours: Monday through Friday from 7:30 AM to 5:00 PM (lobby) and until 6:00 PM (drive-thru). Join us on this journey towards better financial health let's build a brighter future together! For more information about our services or to start your membership today, visit us online at hcfcu.com.

Branch History & Mission

Harris County has a proud history that dates back to 1951, when it first opened its doors in the heart of Houston, Texas. Located at 1400 Franklin St, this branch has grown alongside the community it serves, embodying the spirit of cooperation and commitment to member service that credit unions are known for. Over the years, Harris County has transformed from a small credit union into a thriving institution with a dedicated membership base of over 19,000 people and total assets reaching an impressive $208,490,478. Our mission at Harris County is simple yet powerful: to empower our members through accessible financial services while actively supporting our community. We believe that everyone deserves the opportunity to achieve their financial goals, whether that's securing a loan for a new vehicle or saving for a dream home. Our offerings include personal banking services such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. While members can visit us at 1400 Franklin St Houston Tx 77002, official correspondence should be sent to 1400 Franklin St, Houston, TX 77002-2147. We strive to create an inclusive environment where all individuals feel valued and supported. Our commitment extends beyond banking; we actively engage in community outreach programs that promote financial literacy and provide assistance to those in need. At Harris County, we also recognize the importance of adapting to modern needs. That's why we've embraced technology with features like online banking, mobile payments, and e-statements all designed to make managing finances easier for our members. Accessibility matters greatly to us; hence we ensure our branch is ADA compliant and offer drive-thru services for added convenience. We invite you to join our family at Harris County. Experience firsthand how we can help you navigate your financial journey while also making a positive impact in the community around us. Whether you're looking for personal or business banking solutions, we're here for you every step of the way. Come visit us during our operating hours Monday through Friday from 7:30 AM to 5:00 PM for lobby services or until 6:00 PM at our drive-thru and let's work together towards your financial future!

Branch Location & Accessibility

Accessibility and Convenience

We understand that convenience matters. Our branch features ample parking and complies with ADA standards, ensuring accessibility for all members. You can easily navigate through our lobby or take advantage of our drive-thru services for deposits and withdrawals without leaving your car.

Get in Touch!

We invite you to visit us at our Franklin Street location or give us a call at 713-755-5160. Our dedicated team looks forward to assisting you with any questions or financial needs you may have. Come see how we can help make your banking experience enjoyable!

Operating Hours

Our doors are open Monday through Friday from 7:30 AM to 5:00 PM for lobby services. If you prefer using our drive-thru, we extend our hours until 6:00 PM on weekdays, giving you flexibility in managing your time.

Services Offered

At the Harris County credit union, we offer a variety of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, with online and mobile banking capabilities, you can manage your finances anytime and anywhere.

Member Eligibility

Welcome to the Harris County community! Becoming a member of Harris County is an exciting opportunity to join a supportive group that genuinely cares about your financial well-being. To qualify for membership, you need to meet a few simple criteria, such as living or working in Harris County or having a family member who is already a member. It's all about creating connections and building a network of support. Once you determine your eligibility, opening an account is easy! You can find all the details on how to get started by visiting our website at https://hcfcu.com/eventspromotions/gift/ . If you're ready to take that step, just follow the straightforward instructions available at https://www.cmg.loanliner.com/loanrequest/presenter/loanlist/04204433/713?isframed=f&cuid=04204433&loanlistid=713&channelid=7348944600116202315&locationid=1088050308241144057 . Should you have any questions or need assistance, feel free to reach out to us at (713) 755-5160. We can't wait to welcome you to the family at Harris County, located at 1400 Franklin St Houston Tx 77002!

Business Banking & Commercial Services

At Harris County, we understand that every business has unique needs and aspirations. Whether you're starting a new venture or looking to expand an existing one, our business banking and commercial services are designed to empower your growth. Imagine having the financial support you need right in your corner. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Additionally, our merchant services make daily transactions effortless. Whether you need a point-of-sale solution or online payment options, we help you focus on what matters most running your business effectively. Visit us at 1400 Franklin St Houston Tx 77002 in Houston, TX, or call us at (713) 755-5160 to learn more about how we can partner with you on your business journey!

Comprehensive List Of Services

Accessible Drive-Thru Banking

For those who prefer face-to-face interactions but value efficiency, our Basic Drive-Thru Banking service allows you to handle deposits, withdrawals, and simple transactions without leaving your vehicle. Our drive-thru is open Monday through Friday from 7:30 am to 6:00 pm CST.

Business Banking Made Easy

For our business members, we offer tailored solutions including Merchant Services & Business Loans. These services are designed to support your growth and simplify your financial management.

Convenient Digital Banking Features

In today's fast-paced world, having access to your accounts from anywhere is essential. At Harris County, we provide robust Online & Mobile Banking options that allow you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. You can also take advantage of our convenient ATM & Cash Withdrawal Services during regular banking hours.

Get Started Today!

We invite you to visit us at 1400 Franklin St Houston Tx 77002, or give us a call at (713) 755-5160 if you have any questions about our services or want to explore how we can assist you in achieving your financial goals. With dedicated staff ready to serve you from Monday through Friday between 7:30 am and 5:00 pm CST for lobby visits and till 6:00 pm for drive-thru transactions, we're here when you need us. Explore all that Harris County has to offer your trusted partner in financial success!

Personal Banking Solutions

Our personal banking services are crafted with you in mind. We offer Checking & Savings Accounts that help you manage your finances effectively while earning interest on your savings. If you're considering buying a car, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms to fit your budget. For those dreaming of homeownership, our Mortgage Loans & Refinancing services make the process straightforward and accessible. If unexpected expenses arise, don't worry! Our Personal Loans & Debt Consolidation options can help ease financial burdens by providing funds when you need them most. Plus, our Credit Cards with Rewards allow you to earn points on everyday purchases, making it easier to enjoy what you love.

Digital & Online Banking

Accessibility and Real-Time Management

We believe that banking should be straightforward and hassle-free. That's why our digital services focus on accessibility and real-time account management. No matter where life takes you, accessing your finances should never be a challenge. At Harris County, we are dedicated to providing our members with reliable tools that empower them to stay connected with their money securely and effortlessly. Experience the future of banking with us today!

Key Features of Our Digital Banking Services

With our online banking capabilities, you can check balances, pay bills, and transfer money whenever you need to. The ease of use is complemented by robust security measures, so you can feel confident knowing your information is safe. Our mobile application takes convenience a step further. You can manage your accounts right from your smartphone whether it's checking your balance or making deposits. And if you're looking to send money quickly to friends or family, our person-to-person transfers feature allows for instant payments with just a few taps. We also offer e-statements which provide a paperless way to keep track of your account activity. This not only helps the environment but also keeps your information organized and accessible anytime you need it. For those who prefer signing documents electronically, we support electronic signature authorization, making processes smoother without the hassle of paperwork. And let's not forget about the modern convenience of mobile payments! With this feature, you can make purchases directly from your phone no need to carry cash or cards around.

Financial Strength

A Growing Community

We currently serve 28,997 members who trust us with their finances, reflecting the strong community we've built together. With net shares available for lending at $0, we're positioned well to meet your needs today while planning for tomorrow. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Harris County is your trusted partner. Visit us at 1400 Franklin St Houston Tx 77002 or call (713) 755-5160 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $42,797,122 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. This commitment enables us to support various member needs effectively. Additionally, we have $1,847 in used auto loans and a total of $120,863,654 across all loans and leases, showcasing our capacity to help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us through $16,301,816 in share certificates, which provide stable and rewarding growth opportunities. While we focus on benefiting our members, it's noteworthy that our non-member deposits stand at $0, which allows us to channel resources into better loan rates and exclusive perks designed for you.

Operational Efficiency

Our operations reflect efficiency with a reported $0, which empowers us to continue offering competitive loan rates and solid financial products for our members. We're also proud of our dedicated team 32 full-time employees and 10 part-time employees who are always ready to assist you.

Solid Financial Health

With a net worth of $43,985,791, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This foundation supports your financial needs now and in the future. Our net worth ratio of $2,110 demonstrates a solid capital base, 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 $36,618,828 in used vehicle loans and $24,991,661 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have options that can make it happen. Plus, refinancing opportunities are available if you're looking to lower your current payments or interest rate.

Business Solutions

If you're a business owner, our outstanding commercial loans provide the capital needed to grow and expand. While we currently do not have outstanding commercial loans available, our commitment to supporting local businesses remains strong. At Harris County, we're dedicated to providing exceptional service and financial products that cater to your needs. Whether you're considering an auto loan, mortgage, or credit card option, our knowledgeable team is ready to assist you in finding the right solution. If you're interested in learning more about eligibility or applying for any of our loan products, please don't hesitate to reach out at (713) 755-5160 or visit us at 1400 Franklin St Houston Tx 77002 in Houston, 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. Explore how Harris County can help you finance your dreams today!

Credit Cards

For those who want flexibility in managing their finances, we also offer unsecured credit card loans with a total of $8,722,037 in loans helping members effectively handle everyday expenses. With competitive rates and manageable terms, our credit cards can be a smart choice for anyone looking to keep their spending under control while earning rewards.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,353,439, make buying or refinancing simple. We can guide you through the process and help you find a plan that works for you. Owning a home is within reach, and our team is here to support you every step of the way.

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HARRIS COUNTY FEDERAL CREDIT UNION