Kerr County Credit Union Kerrville TX | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Kerr County, your trusted financial partner located at 500 Main St, Kerrville, TX 78028. Since our establishment in 1936, we have been dedicated to serving our community with a range of personal and business banking solutions tailored just for you. With over 13,471 members relying on us, our commitment to providing excellent service and support is stronger than ever. At Kerr County, we understand that financial needs vary from person to person. That's why we proudly manage total assets of $146,870,868 and total deposits amounting to $13,136,553. Our experienced team, led by CEO Sandra Lumbley and Board President Lou Graves, works tirelessly to ensure that you have access to the resources you need whether it's through personal loans, auto financing, or business banking services. In addition to our friendly staff of 47 employees, we offer convenient services like online banking and a drive-thru for easy transactions. Need cash? Our ATM is available for your convenience. We also keep a healthy cash reserve of $1,695,489 to ensure smooth operations and peace of mind for all our members. While you can visit us at our branch location, official correspondence should be sent to the same address: 500 Main St, Kerrville, TX 78028-5380. Whether you're looking to open a new account or explore loan options (with total loans reaching 8,150), we're here for you every step of the way. Explore more about what we offer at kerrcountyfcu.com or give us a call at 830-896-6801 today. Join us in experiencing community-focused banking that truly values your trust!

Branch History & Mission

Commitment to Community

We understand that true growth comes from supporting each other. Through various partnerships and outreach efforts, we aim to make a positive impact in Kerrville and beyond. We encourage local involvement and seek opportunities that strengthen ties within our neighborhoods. As we look ahead, we remain committed to embracing advancements in technology while ensuring accessibility for all members. Our focus on customer satisfaction drives us to enhance online and mobile banking features that make managing finances simple and efficient. Join us at Kerr County Federal Credit Union and experience the difference that comes from being part of a community-focused credit union. Together, let's build a brighter financial future! For more information about membership or services offered, please contact us at 830-896-6801 or visit our website at kerrcountyfcu.com.

Our Mission

At Kerr County, our mission is clear: we exist to serve our members and enhance their financial well-being. We strive to offer reliable banking solutions while also investing in community initiatives that uplift those around us. From auto loans to mortgage refinancing, we provide a wide range of services designed with you in mind. While members can visit us at 500 Main St, official correspondence should be sent to 500 Main St, Kerrville, TX 78028-5380. Our operating hours are Monday through Friday from 9 AM to 5 PM for lobby access and 8:30 AM to 5:30 PM for drive-thru service. With an ATM on-site and drive-thru banking available, accessing your funds has never been easier.

Our Story

Kerr County has always been more than just a branch; it's a reflection of our community's spirit and resilience. Since opening our doors at 500 Main St, we have remained dedicated to providing exceptional financial services tailored to the needs of our members. Over the years, we have embraced innovation while staying true to our mission empowering individuals and families through accessible banking options. Our location on Main St is not just convenient; it's surrounded by local businesses and landmarks that highlight the charm of Kerrville. Whether you need assistance with personal banking or business loans, our friendly team is here to guide you every step of the way.

Branch Location & Accessibility

Convenient Access

Whether you're coming from downtown or nearby areas, you'll find that parking is ample and convenient. Our location is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for those who need them. Plus, we offer both drive-thru banking and ATM services for quick transactions without leaving your vehicle. While members can visit us at 500 Main St, official correspondence should be sent to our mailing address: 500 Main St, Kerrville, TX 78028-5380.

Operating Hours

We know that life gets busy! That's why we're open Monday through Friday from 8:30 AM to 5:30 PM for lobby service and 8:00 AM to 5:30 PM for drive-thru service. Feel free to stop by during these hours or give us a call at 830-896-6801 if you have any questions or need assistance.

Services Tailored for You

At Kerr County, we're proud to offer a wide range of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Our ATM is available on-site for easy withdrawals and balance checks. Ready to take the next step? We invite you to visit us at our branch or reach out by phone. Experience the welcoming atmosphere of Kerr County today we can't wait to assist you!

Member Eligibility

At Kerr County, we believe that everyone deserves a chance to be part of a welcoming community that puts your financial well-being first. Becoming a member is simple and inclusive, especially if you live, work, worship, or attend school in Kerr County. Whether you're looking for personal banking solutions or loans, our friendly team is here to support you every step of the way. If you're curious about the specifics of who can join, we encourage you to check out our eligibility details at https://www.kerrcountyfcu.com/who-can-join. Opening an account with us is straightforward! Just visit our website at https://dsot.onlinecu.com/kerrcounty/#/sign-up to start your journey toward financial empowerment. If you have any questions or need assistance during the process, don't hesitate to reach out at (830) 896-6801. We can't wait to welcome you into the Kerr County family!

Business Banking & Commercial Services

Financing for Growth

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 Made Easy

In addition to loans, we provide essential merchant services that simplify payment processing. Imagine being able to accept payments seamlessly, whether your customers are paying with cash, credit, or mobile wallets. Our services ensure you can focus on what matters most running your business while we handle the details. Whether you're a member or part of the broader community, we're here to support your financial needs. Connect with us today and discover how Kerr County can be your trusted partner in business success!

Comprehensive List Of Services

Business Banking Solutions

For our local entrepreneurs, our business banking services are tailored to help you thrive. From merchant services that simplify transactions for your customers to business loans that fund growth opportunities, we're committed to supporting small businesses in our community.

Convenient Access Points

We know convenience matters. That's why we provide basic drive-thru banking services for quick deposits, withdrawals, and simple transactions without leaving your car. If you're on the go, our ATMs are always available for quick cash access. At Kerr County, we're proud to serve as your trusted financial partner. With a friendly team ready to assist you at our branch located at 500 Main St Kerrville TX 78028, or by phone at 830-896-6801, we invite you to explore how our comprehensive list of services can benefit you today! Ready to take the next step? Visit us online at kerrcountyfcu.com or stop by our branch we're here to help!

Credit Cards & Rewards

Don't forget about our credit cards with rewards! These cards not only provide purchasing power but also earn you points on everyday spending. Imagine getting cash back or travel rewards just for using your card regularly.

Digital Banking Features

In today's fast-paced world, accessibility is key. That's why we offer robust online and mobile banking features. You can easily check balances, transfer funds, and pay bills from anywhere at any time. Our ATM services allow for hassle-free cash withdrawals and balance checks whenever you need them.

Personal Banking Services

When it comes to personal finance, we have you covered. Our checking and savings accounts are designed for convenience and ease of access, allowing you to manage your day-to-day finances effortlessly. Need a new vehicle? Our auto loans and vehicle financing options are flexible and competitive, making it easier for you to drive away in the car you want. If homeownership is on your mind, consider our mortgage loans and refinancing options that can help turn your dream into reality. We also offer personal loans and debt consolidation services to help you manage life's unexpected expenses or consolidate existing debts into one easy payment.

Digital & Online Banking

Convenient Online Access

With our online banking services available 24/7 at https://kerrcountyfcu.com/, you can check your account balance, pay bills, and transfer funds anytime, anywhere. No more rushing to the bank before it closes or waiting in long lines. Our user-friendly platform makes it simple for you to manage your money on your own schedule.

Mobile Banking at Your Fingertips

For those on the go, our mobile application is a game changer. Available for download, it lets you perform all your banking tasks from the palm of your hand. Whether you're making person-to-person transfers or setting up mobile payments, our app keeps everything within reach.

Real-Time Management

With features like real-time account management and alerts, you'll always be in control of your finances. Need to send money to a friend? Our person-to-person transfer feature makes it easy and quick. Plus, our mobile payment options let you make purchases without having to pull out cash or cards. At Kerr County, we strive to enhance your banking experience with tools that promote convenience and security. Join us today and discover how effortless banking can be!

Security You Can Trust

We prioritize your security. Our services include electronic signature authorization, ensuring that your transactions are safe and verified. You can also opt for e-statements, which not only help reduce paper waste but also allow you to access your financial records quickly and securely.

Financial Strength

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.

Operational Efficiency

Our operations are backed by a net income of $0, reflecting our efficiency in managing resources. This 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.

Reinvestment for 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 your financial goals with $3,612 in used auto loans and $116,568,674 in total loans and leases.

Solid Foundation

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 $1,203 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Community Trust

We have earned the trust of our community with 23,913 total share accounts, showcasing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending stand at $1,188,235, reinforcing our capability to support your needs. 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 500 Main St Kerrville Tx 78028 or call (830) 896-6801 to learn more about how we can help you achieve your financial goals.

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 purchasing a new or used vehicle, we have options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $3,040,689 provide the capital needed to grow and expand your business operations. We understand that every business has unique needs, and our team is ready to assist you in finding the right solution.

Credit Lines and Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for our various loan products, we're here to help. Our team can walk you through potential savings and adjustments tailored specifically for your financial circumstances. At Kerr County, we pride ourselves on transparency and accessibility. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan, personal financing, or business capital, we're committed to providing you with clear options that empower you to make informed decisions. For more information or to start your application today, contact us at (830) 896-6801 or visit us at our branch location. Let's work together to turn your financial aspirations into reality!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently do not have Junior Lien 1-4 Family Residential Properties loans, but we can discuss other financing solutions that suit your situation.

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 allows you to access funds as needed while enjoying the benefits of credit.

Loan Aggregator

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Kerr County