Ila 1351 Credit Union La Porte TX | Best Auto Loans & Business Banking

Introduction

Welcome to Ila 1351 Federal Credit Union, your trusted partner in financial services located at 10920 Spencer Hwy, La Porte, TX 77571. Established in 1966, our commitment to serving our community has only grown stronger over the years. With a total membership of 1,028 and assets reaching an impressive $15,415,353, we are dedicated to providing personalized banking solutions that meet your needs. At Ila 1351, we believe in empowering our members with financial knowledge and tools for success. Our offerings include everything from checking and savings accounts to auto loans and credit cards with rewards. We pride ourselves on being more than just a credit union; we're part of the La Porte community. Our CEO, Ann Phelps, alongside Board President Shaun Stewart, leads a team of five dedicated employees who are always ready to assist you. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to the same address: 10920 Spencer Hwy, La Porte, TX 77571. As part of our mission, we maintain a robust financial foundation with total deposits of $1,168,056 and net worth amounting to $2,746,312. Our members can rest easy knowing they are part of a strong organization that values trust and reliability. Curious about what we can offer? Don't hesitate to reach out! Call us at 281-470-1813 or visit our website at ila1351fcu.com. Join us on this journey towards better financial health today!

Branch History & Mission

Community Engagement

We take pride in being actively involved in La Porte through various partnerships and outreach programs. Supporting local initiatives not only strengthens our ties but also enriches the lives of those around us. As we continue to innovate embracing digital advancements and ensuring ADA compliance we remain centered on providing exceptional service that meets the diverse needs of all members. Whether you're looking for personal banking solutions or business services like merchant accounts and business loans, Ila 1351 is here for you. We invite you to join our family today! Experience firsthand how being a member means more than just banking; it's about belonging to a community that cares. For more information or inquiries, feel free to call us at 281-470-1813 or visit our website at ila1351fcu.com. Your journey toward better financial health starts here!

Mission Statement

At Ila 1351 Federal Credit Union, our mission is straightforward yet profound: we strive to enhance the financial well-being of our members while contributing positively to the community. We believe that everyone deserves access to quality financial services tailored to their unique needs. Our focus on personal banking be it through auto loans, credit cards with rewards, or online banking services ensures that our members feel valued and supported. While members can visit us at 10920 Spencer Hwy, official correspondence should be sent to 10920 Spencer Hwy, La Porte, TX 77571 if different needs arise. Our operating hours are convenient for busy lives: Monday through Friday from 9 AM to 4 PM, allowing you ample opportunity to connect with us.

Our Journey

From our humble beginnings, Ila 1351 has continuously evolved to meet the changing needs of our members. We began with a mission to provide accessible financial services that empower our community. As we expanded our offerings from checking and savings accounts to auto loans and mortgage refinancing we remained committed to our founding principles of member service and community support. Our headquarters in La Porte, TX, is strategically positioned to serve the surrounding areas effectively. Being part of Harris County has allowed us to foster strong relationships with local businesses and organizations, enhancing our outreach efforts and driving positive change within our community.

Branch Location & Accessibility

Convenient Hours for Your Needs

We are open Monday through Friday from 9 AM to 4 PM, providing ample time for you to stop in and discuss your financial goals or explore our range of services. From personal checking and savings accounts to auto loans and credit cards with rewards, we have options tailored just for you.

Get in Touch with Us

If you have any questions or need assistance before your visit, feel free to call us at 281-470-1813. While members can visit us at our physical location, official correspondence should be sent to the same address: 10920 Spencer Hwy, La Porte, TX 77571. We look forward to welcoming you at Ila 1351 Federal Credit Union! Come see how we can help you achieve your financial dreams today!

Our Commitment to Accessibility

At Ila 1351, we understand that accessibility is key. Our branch features ADA-compliant facilities, including ramps and spacious parking to ensure all members feel welcome and comfortable when they visit us. While we currently do not have an ATM or drive-thru services available, our dedicated staff is always ready to assist you inside the branch during our operating hours.

Member Eligibility

Becoming a member of Ila 1351 is like joining a close-knit family that truly cares about your financial well-being. If you're looking to become part of our supportive community, you're in the right place! Membership is open to individuals who live, work, worship, or attend school in the La Porte area. We also welcome family members of existing members, so you can share the benefits with your loved ones. By choosing Ila 1351, you not only gain access to fantastic financial products and services but also to a team that prioritizes your needs and dreams. Getting started is easy! Simply visit us at our location at 10920 Spencer Hwy La Porte Tx 77571 or give us a call at (281) 470-1813 for more information. You can also check out our eligibility criteria for the most current details at . When you're ready to open an account, you can find everything you need through this link: https://my.homecu.net/banking/hcuactivate.prg?cu=ila1351 . Join us today and take the first step toward a brighter financial future!

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 $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.

Merchant Services

In addition to loans, we offer merchant services that make it easier for you to accept payments from your customers. Imagine running a busy café where customers can pay quickly and easily, boosting their experience and your sales. Our merchant services streamline transactions so you can focus on what matters most growing your business. Visit us at 10920 Spencer Hwy La Porte Tx 77571 in La Porte, TX, or call us at (281) 470-1813 to explore how our business banking solutions can support your entrepreneurial journey!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to support your growth. We understand the challenges of running a business and are here to help streamline your financial processes so you can focus on what matters most your business.

Convenient Access Anytime

We know convenience is key in today's busy world. That's why we offer robust online and mobile banking solutions. With just a few clicks on your smartphone or computer, manage your accounts easily without needing to visit the branch. Although we currently do not have ATM facilities at our location, our digital banking features ensure that accessing your funds is still quick and simple. At Ila 1351, our commitment is to provide excellent service that makes managing your finances straightforward and stress-free. If you have any questions or want to learn more about how we can assist you financially, feel free to reach out at (281) 470-1813 during our operating hours from 9 AM to 4 PM, Monday through Friday. Ready to take the next step? Visit us online at Ila 1351 Federal Credit Union or stop by our branch today we're excited to help you achieve your financial goals!

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase earns you points that can be redeemed for travel, merchandise, or even cash back. It's like getting paid to spend! This card not only gives you purchasing power but also adds value with every swipe.

Loans Made Easy

When it comes to financing your dreams, our auto loans and vehicle financing options are here to help you hit the road in no time. Whether you're buying a new car or refinancing an existing loan, we offer competitive rates that make it easier for you. If homeownership is on your mind, explore our mortgage loans and refinancing services that can guide you through purchasing or refinancing your home with confidence. For those unexpected expenses or consolidating debt, our personal loans provide the flexibility you need. You can use these loans for anything from medical bills to vacation plans whatever helps improve your financial well-being.

Personal Banking

Our personal banking options include checking and savings accounts designed to help you manage your money effortlessly. Imagine having a checking account that fits your lifestyle, whether you need it for everyday purchases or saving for a special occasion. With our user-friendly online and mobile banking platforms, you can check balances, transfer funds, and pay bills anytime and anywhere.

Digital & Online Banking

Convenience at Your Fingertips

Managing your accounts has never been easier or more secure. With real-time account management available through our online platform and mobile app, you can stay updated on your finances whenever you need to. Our commitment to providing accessible and straightforward banking solutions ensures that every member has the tools they need for financial success. Explore all these features today by visiting us at https://www.ila1351fcu.com/ and take control of your banking experience with ease!

Key Features

One of the standout features is our e-statements option. Say goodbye to paper clutter and enjoy easy access to your statements electronically. This not only helps keep things organized but also adds an extra layer of security since your information is stored digitally. While we currently do not support mobile payments or person-to-person transfers, rest assured that our existing services are designed with your needs in mind. You can still enjoy secure electronic banking without the hassle of carrying cash or writing checks. Additionally, we do not require electronic signature authorization, making it easier for you to complete transactions efficiently.

Financial Strength

Growing Together

Total Share Accounts stand at 1,410, showing a strong and growing member base that trusts us with their finances. This growth reflects our dedication to providing reliable services that meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ila 1351 is your trusted partner. Visit us at 10920 Spencer Hwy La Porte Tx 77571 or call (281) 470-1813 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $369,253 in share certificates, 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.

Operational Efficiency

Our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $2,746,312, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,782 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for You

With $2,746,312 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 reflected in the $122 in used auto loans and $7,849,003 in total loans and leases, supporting your financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,961,138 in used vehicle loans and $1,646,692 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used car, our team is ready to assist you with competitive financing options.

Credit Lines

For those looking for added financial security, we provide total credit lines amounting to $100,000. This option allows you to access funds when needed without the pressure of immediate repayment.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to explore our other financing solutions that can support your journey towards owning a home.

Refinancing Options

If you're interested in refinancing your existing loans or exploring eligibility options for any of our products, our knowledgeable staff at Ila 1351 is here to guide you through the process and find solutions that fit your needs. Feel free to reach out for more information at 281-470-1813, or visit us at 10920 Spencer Hwy La Porte Tx 77571. You can also check out our services online at Ila 1351 Federal Credit Union. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial aspirations!

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $438,063 in loans helping members manage their finances effectively. Our credit cards come with rewards and can help you build your credit while providing the flexibility you need for unexpected expenses.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh helps users navigate the complex landscape of loan options. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to verified data means users receive fair and transparent offers tailored to their needs. One of the standout features of LendMesh is its emphasis on verified data. All loan offers are sourced from legitimate financial institutions, ensuring users can trust the information provided. Furthermore, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions. The goal is straightforward: to provide unbiased results that empower users to make informed decisions. Real-time rate comparisons are another crucial benefit of using LendMesh. Users can access up-to-date loan rates from multiple institutions at any time, making it easier to identify the best options available. This feature saves both time and money, allowing borrowers to find competitive rates quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like these reflect LendMesh's effectiveness in simplifying the borrowing process. 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.*

ILA 1351 FEDERAL CREDIT UNION