Kerr County Junction TX Credit Union | Best Auto Loans & ATM Services

Introduction

Welcome to Kerr County, your trusted financial partner since 1936! Located at 2200 Main St, Junction, TX 76849, our branch is more than just a place for banking; it's a community hub where members come together to achieve their financial goals. With a dedicated membership of over 13,471, we pride ourselves on offering personalized services that cater to your unique needs. At Kerr County, we understand that managing finances can be daunting. That's why we offer a range of services from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. With total assets exceeding $146,870,868 and deposits totaling $13,136,553, our financial strength ensures that you can trust us with your money. Our team of 47 employees, led by CEO Sandra Lumbley and Board President Lou Graves, is committed to providing exceptional service. Whether you're visiting us in person or utilizing our online banking services through our website at kerrcountyfcu.com, we are here to support you every step of the way. While members can visit us at 2200 Main St, official correspondence should be sent to the same address for consistency. Our branch operates Monday through Friday from 8:30 AM to 5:00 PM, with Saturday hours from 9:00 AM to 12:00 PM for your convenience. Join us today and discover how Kerr County can help you navigate your financial journey with ease and confidence. Feel free to call us at 325-446-9300 or stop by we look forward to serving you!

Branch History & Mission

Community Commitment

Our commitment goes beyond numbers. We actively engage in community outreach programs that focus on education and economic development. By partnering with local organizations, we strive to uplift those around us and create lasting positive impacts in Junction. As part of our promise to serve our members better, we've embraced technology by offering online and mobile banking options, ensuring that you can manage your finances conveniently from anywhere.

Our Mission

At Kerr County, we believe that everyone deserves access to reliable financial services. Our mission is simple: to empower our members through affordable banking solutions while supporting local initiatives that enhance the quality of life in Junction. We offer a range of services including personal checking and savings accounts, auto loans, mortgages, and business banking solutions. We are more than just a financial institution; we are part of your neighborhood. Our team works tirelessly to provide support during every stage of your financial journey. Whether you need help with securing a loan or want advice on saving for the future, we're here for you.

Visit Us

While members can visit us at 2200 Main St, official correspondence should be sent to the same address as our mailing address is identical: 2200 Main St, Junction, TX 76849. Our operating hours are convenient: Monday through Friday from 8:30 AM to 5:00 PM for lobby services and Saturday from 9:00 AM to 12:00 PM. Our drive-thru service is available during these times as well. We invite you to experience all that Kerr County has to offer. Join us today and see how we can help you achieve your financial goals while making a difference in our community! For more information or assistance, feel free to call us at 325-446-9300 or visit our website at kerrcountyfcu.com.

Branch Location & Accessibility

Call to Action

If you have any questions or want to explore our various services ranging from personal checking accounts to auto loans feel free to give us a call at 325-446-9300. We invite you to stop by and see how we can help you achieve your financial goals. Your community credit union is here for you!

Nearby Landmarks and Accessibility

Situated right in the heart of Junction, we're close to popular spots like the Kimble County Historical Museum and beautiful parks, making your visit even more enjoyable. Parking is ample and easily accessible, with features designed to accommodate everyone, including ADA-compliant ramps for those who need them.

Operating Hours and Services

Our friendly team is here to serve you during convenient hours: Monday through Friday from 8:30 AM to 5:00 PM, and on Saturdays from 9:00 AM until noon. You can enjoy both lobby service and drive-thru banking during these hours. We also offer an ATM for quick cash withdrawals and balance checks, ensuring that your banking experience is as smooth as possible.

Member Eligibility

Becoming a member of Kerr County is like joining a close-knit community that truly cares about your financial well-being. We welcome individuals who live, work, worship, or attend school in the beautiful Junction area and surrounding communities. Whether you're a local resident or just passing through, you may qualify to join us! At Kerr County, we offer a range of services designed to support you at every stage of life, from checking accounts and loans to financial education resources. If you're ready to take the next step, opening an account is simple and straightforward. Just visit us at our location on 2200 Main St Junction Tx 76849, or give us a call at (325) 446-9300 if you have any questions. For more detailed information about eligibility criteria, feel free to check out our website at https://www.kerrcountyfcu.com/who-can-join. Let's get started on your journey toward better banking together!

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 $84 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $3,040,689, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, we offer tailored merchant services that simplify payment processing for your business. Imagine having the ability to accept payments seamlessly from customers at any time whether it's in-store or online. This flexibility not only enhances customer satisfaction but also helps improve your cash flow. Visit us at 2200 Main St Junction Tx 76849 in Junction, TX, or call us at (325) 446-9300 to learn more about how our business banking and commercial services can empower your business today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

For those considering a new car, our Auto Loans & Vehicle Financing services make purchasing your dream vehicle straightforward and affordable. We offer competitive rates that can help you get behind the wheel without breaking the bank.

Business Banking

For local entrepreneurs, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business growth with resources tailored to your needs.

Call Us Today!

If you'd like to learn more about how we can assist you in achieving your financial goals, don't hesitate to reach out! Contact us at (325) 446-9300 or visit us at 2200 Main St Junction Tx 76849 in Junction, TX. At Kerr County, we're committed to providing quality service tailored just for you!

Credit Cards with Rewards

With our Credit Cards with Rewards, every purchase can earn you points towards future rewards. It's a simple way to make everyday spending work for you while enjoying the benefits of cash back or travel perks.

Mortgage Loans & Refinancing

If you're thinking about buying a home or refinancing your current mortgage, our Mortgage Loans provide flexible options that can fit into any budget. We guide you through the entire process, making homeownership more attainable than ever.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills all from the palm of your hand. Plus, with features like ATM Access and drive-thru banking for quick transactions, we ensure banking fits seamlessly into your busy life.

Personal Banking

When it comes to managing your day-to-day finances, our Personal Banking options are tailored for you. Whether you're opening a Checking or Savings Account, saving for future goals, or just looking for easy access to your funds, we've got you covered. Imagine having the peace of mind that comes with knowing your money is secure and accessible whenever you need it.

Personal Loans & Debt Consolidation

Financial challenges can arise unexpectedly. Our Personal Loans are available to help with everything from unexpected expenses to debt consolidation. This service aims to simplify your financial situation by combining multiple debts into one manageable payment.

Digital & Online Banking

Always Available

No matter when you need us, our 24/7 online banking services ensure that you can access your accounts at any time. With just a few clicks or taps, you can perform transactions securely without stepping into a branch. At Kerr County, we're committed to making banking as easy as possible while keeping your information safe. Join us today and discover how our digital banking solutions can simplify your financial life!

Key Features

Our services include e-statements, which allow you to receive your bank statements electronically no more waiting for the mail! You can also take advantage of person-to-person transfers, making it simple to send money to friends or family without hassle. Plus, with mobile payments, you can pay for purchases directly from your smartphone, providing a quick and secure way to manage transactions. For those who prefer using their devices, our mobile application offers all the functionalities of our online platform right in your pocket. You can even sign documents electronically thanks to our electronic signature authorization feature. This means less paperwork and more time for what matters most.

Financial Strength

A Trusted Partner for Your Financial Journey

Net Shares (Funds available for lending and investments): $1,188,235. Total Share Accounts: 23,913, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kerr County is your trusted partner. Visit us at 2200 Main St Junction Tx 76849 or call (325) 446-9300 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 Growth

With $11,857,560 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $3,612 in used auto loans and $116,568,674 in total loans and leases. Our operational efficiency is reflected in our $109,689, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 44 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $35,296,312 in share certificates and $9,176,338 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $743,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $17,108,967, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.03% 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 $67,655,927 in used vehicle loans and $21,985,038 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new ride or a dependable used vehicle, our team is here to assist you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $3,040,689 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we're dedicated to supporting our local entrepreneurs. In addition to these loan products, we encourage you to visit us for more information on eligibility requirements and refinancing options tailored specifically for your needs. You can reach us at (325) 446-9300 or visit our branch located at 2200 Main St Junction Tx 76849 in Junction, TX during our operating hours (M-F 8:30 AM - 5:00 PM; Saturday 9:00 AM - 12:00 PM). Let us help you achieve your financial aspirations today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we offer Junior Lien 1-4 Family Residential Properties loans totaling $0. If you're considering refinancing your existing mortgage, we can help you explore eligibility options that might lower your monthly payments or reduce your interest rate.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $642,872 in loans helping members manage their finances effectively. This option provides you with immediate access to funds for unexpected expenses while allowing you to maintain control over your budget.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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), ensuring fair and transparent offers. This commitment to accuracy helps users make informed choices while navigating their borrowing options.

KERR COUNTY FEDERAL CREDIT UNION - Junction, TX

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