Heritage USA Credit Union Midland TX | Best Auto Loans & Checking

Introduction

Welcome to Heritage Usa Federal Credit Union, your trusted partner in achieving financial wellness since 1949. Located at 2001 N Big Spring St, Midland, TX 79705, we are committed to serving our community with integrity and personalized service. With a rich history and a deep-rooted commitment to our members, we proudly serve 6,635 members while managing over $106 million in assets. At Heritage Usa, we understand that each member's financial journey is unique. Whether you're looking for a reliable checking account, an auto loan to get you on the road, or personal loans for life's unexpected moments, we have tailored solutions ready for you. Our total deposits amount to an impressive $18,003,499, reflecting the trust our members place in us. Our dedicated team of 28 employees, led by our CEO Augustine Rodriguez and Board President Dirk Parks, works tirelessly to ensure that your banking experience is not just satisfactory but exceptional. We take pride in providing a range of services including online and mobile banking, ATM access, and basic drive-thru services for your convenience. While members can visit us at our Midland branch address, official correspondence should be sent to the same location: 2001 N Big Spring St, Midland, TX 79705-8820. Feel free to reach out to us at (432) 687-7072 or send a fax to (432) 681-1057 with any inquiries. Join us today and discover how Heritage Usa Federal Credit Union can help you reach your financial goals. Visit our website at heritage-usa.net to learn more about membership eligibility or apply online for loans! Your journey toward financial empowerment starts here!

Branch History & Mission

Welcome to Heritage Usa, a credit union with a rich legacy and a deep commitment to the Midland community. Established in 1949, we have been serving our members for over seven decades, evolving to meet their needs and supporting them every step of the way. Our branch is located at 2001 N Big Spring St, Midland, TX 79705, a convenient spot close to local landmarks and easily accessible for everyone. From our humble beginnings, Heritage Usa has grown significantly. Today, we proudly serve over 6,635 members and manage total assets of approximately $106 million. Our mission is clear: to provide exceptional financial services while enhancing the quality of life in our community. We strive to empower our members through a variety of offerings, including personal banking, auto loans, mortgages, and business banking solutions. At Heritage Usa, we believe in creating meaningful connections. Our team is dedicated to ensuring that every member feels valued and supported. With operating hours from 8:30 AM to 5:30 PM on weekdays, we are here when you need us. Plus, we offer both ATM access and drive-thru banking for your convenience. Our commitment goes beyond just banking; it extends into the heart of Midland. We actively participate in community outreach programs and partnerships that aim to uplift those around us. Whether it's hosting financial education workshops or sponsoring local events, we are always looking for ways to give back. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 2001 N Big Spring St, Midland, TX 79705-8820. We also embrace technology with online and mobile banking options that make managing your finances easier than ever. We invite you to join the Heritage Usa family! Experience firsthand the benefits of membership and let us help you achieve your financial goals. Together, let's build a stronger community one member at a time! For more information or to become a member today, please call us at 432-687-7072 or visit our website at heritage-usa.net.

Branch Location & Accessibility

Get in Touch

Have questions or want to learn more about how we can assist you? Feel free to give us a call at 432-687-7072. We encourage you to visit us at Heritage Usa your trusted partner in financial growth!

Operating Hours

We know your time is valuable, which is why we keep our doors open Monday through Friday from 8:30 AM to 5:30 PM. Whether you're stopping by for a quick transaction or seeking guidance on financial matters, we're here during the week when you need us most.

Our Commitment to Accessibility

At Heritage Usa, we believe banking should be accessible for everyone. Our branch is designed with ADA compliance in mind, featuring ramps and spacious entrances that cater to all members of our community. Whether you're visiting for personal banking or need assistance with loans, our team is here to help.

Services Offered

Our credit union provides a variety of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with an ATM available on-site and drive-thru banking options for quick deposits and withdrawals, managing your finances has never been easier. If you need to send us official correspondence, please use our mailing address: 2001 N Big Spring St, Midland, TX 79705-8820.

Member Eligibility

At Heritage Usa, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you're looking to enjoy a range of benefits tailored just for you, membership is right around the corner! To qualify, you simply need to meet a few friendly criteria. We welcome individuals who live, work, or worship in the Midland area, as well as their family members. This means if you're connected to someone already part of our credit union, you're eligible too! For a deeper dive into the specific requirements, feel free to check out our eligibility details at http://www.heritage-usa.net/accounts/become-a-member . Getting started is easy! You can open an account online by visiting http://www.heritage-usa.net/loans/apply-online , or if you prefer a personal touch, give us a call at (432) 687-7072. Our team is here to guide you through every step and ensure that you feel right at home with us at Heritage Usa. Whether you're looking for personal banking options, loans, or simply want to save for the future, we're excited to help you on your journey. Come see us at 2001 N Big Spring St Midland Tx 79705 and let's make your financial goals a reality together!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In today's fast-paced world, efficient payment processing is crucial. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Imagine being able to accept payments quickly and securely, both in-store and online. This not only enhances customer satisfaction but also helps you manage cash flow effectively. Located at 2001 N Big Spring St Midland Tx 79705 in Midland, TX, we're here to help local businesses thrive. Call us at (432) 687-7072 to learn more about how our business banking and commercial services can empower your business journey!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we offer specialized business banking services, including merchant services and business loans. These tools are designed to support your business's growth and success while providing easy access to funds when you need them.

Convenient Online & Mobile Banking

In today's busy world, convenience is key. That's why we've equipped our members with robust online and mobile banking features. You can manage your accounts from anywhere at any time check balances, transfer funds, and even make person-to-person payments all at your fingertips. Plus, with our ATM services available for quick cash withdrawals and balance checks, accessing your money has never been easier.

Drive-Thru Services

For those who prefer face-to-face interactions without leaving their vehicles, we also offer basic drive-thru banking options for deposits, withdrawals, and simple transactions. This service adds an extra layer of convenience for those on the go. At Heritage Usa located at 2001 N Big Spring St, Midland TX 79705, we're proud to serve our community with these comprehensive services tailored just for you. If you have any questions or want to learn more about how we can assist you in reaching your financial goals, don't hesitate to call us at 432-687-7072. Join us today and discover how easy managing your finances can be! Visit us online at heritage-usa.net for more information on becoming a member or opening an account. Your journey towards financial well-being starts here!

Home Financing

Buying a home is one of the biggest decisions you'll make. At Heritage Usa, we support you with competitive mortgage loans and refinancing options. Our knowledgeable staff can guide you through the process, making it easier than ever to achieve homeownership.

Personal Banking

We understand that managing money can sometimes feel overwhelming. That's why we offer various personal banking services designed to simplify your life. From checking and savings accounts that help you save for future goals, to credit cards with rewards that put cash back in your pocket, we have options that fit your lifestyle. If you're thinking about purchasing a new car or consolidating debt, our auto loans and personal loans provide flexible financing solutions.

Digital & Online Banking

Mobile Banking Features

For those who prefer to bank on their mobile devices, our dedicated mobile application is available for download. This user-friendly app not only lets you manage your accounts but also includes mobile payments for added convenience. You can even send money to friends and family using our person-to-person transfer feature perfect for splitting bills or sending gifts.

Online Banking Services

Our 24/7 online banking services make it easy for you to check balances, pay bills, and transfer funds without ever needing to visit the branch. Whether you're at home or on the go, managing your money has never been simpler. Plus, you can take advantage of features like e-statements, which allow you to review your account activity without the hassle of paper statements.

Security You Can Trust

Security is our top priority. We use electronic signature authorization, ensuring that all your transactions are protected. You can feel confident knowing that your information is secure while enjoying the flexibility of digital banking. At Heritage Usa, we strive to provide accessible and efficient banking solutions tailored for you. Dive into the world of hassle-free banking today by visiting us online at https://www.heritage-usa.net/ !

Financial Strength

Growing Member Base

We currently have 11,155 total share accounts, showing a strong and growing member base that trusts us with their finances. Your confidence fuels our drive to deliver exceptional service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heritage Usa is your trusted partner. Visit us at 2001 N Big Spring St Midland Tx 79705 or call 432-687-7072 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.*

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $79,020,494 in total loans and leases and 1,408 used auto loans available. This flexibility allows us to cater to your unique needs whether you're purchasing a vehicle or planning other investments.

Member-Centric Services

Members' savings are secured through $23,642,323 in share certificates and $6,361,728 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,622,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $791,912 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 28 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Growth

With $9,974,217 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to growth means we're always looking for ways to improve your experience with us.

Solid Financial Foundation

With a net worth of $10,766,129, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.14% 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 $38,012,386 in used vehicle loans and $29,079,336 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or looking for a reliable used option, we've got you covered.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,485,328 in loans helping members manage their finances effectively. This option provides easy access to funds when unexpected expenses arise or when you want to make a purchase without dipping into your savings.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $321,179, making buying or refinancing simple. We provide competitive rates and flexible terms to help you secure your dream home.

Other Offerings

In addition to our main loan products, we also provide total credit lines of $6,000,000, which can serve as an excellent resource for various financial needs. If you're considering refinancing or want to know more about eligibility options for any of our loan products, don't hesitate to reach out. We're here to guide you through the process and help find the right solution for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Heritage Usa, we are dedicated to supporting our members every step of the way. Visit us today or explore our website at heritage-usa.net for more information on how we can assist you with your loan needs.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can feel confident knowing they are reviewing genuine offers. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. This approach helps users find the best loans without influence from advertising. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of LendMesh as a comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

HERITAGE USA FEDERAL CREDIT UNION