LCRA La Grange TX Credit Union | Affordable Auto Loans & ATM Access

Introduction

Welcome to Lcra, your trusted financial partner located at 104 E State Highway 71 Byp, La Grange, TX 78945. Established in 1940, we have proudly served our community for over eight decades, building lasting relationships with our 2,171 members. As a dedicated credit union, we understand the importance of personalized service and community support. While members can visit us at our branch, official correspondence should be sent to our mailing address: P O Box 19138, Austin, TX 78760. Our commitment to you is reflected in our financial strength; we boast total assets of $20,697,724, and with total deposits reaching $821,688, your funds are secure with us. At Lcra, we offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans and refinancing, as well as business banking solutions. Our team of 5 dedicated employees, led by CEO Melissa Reyes and Board President Jonathan Riley, is here to assist you every step of the way. With a total loan portfolio of 716 loans and leases and a solid net worth of $3,218,472, we are well-equipped to meet your financial needs. Whether you're looking to finance a new vehicle or need help with debt consolidation, we've got you covered. We invite you to explore all that Lcra has to offer. Feel free to reach out to us at (979) 639-0023 or visit our website at lcracu.org for more information. Let's work together towards your financial goals!

Branch History & Mission

Innovations for Better Service

As times change, so do we. Lcra embraces advancements in technology to improve member experiences. Our online banking platform allows members to manage their finances from anywhere at any time. While we currently do not offer ATM or drive-thru services, we ensure that every interaction within our lobby is efficient and focused on your needs during our operating hours of Monday through Friday from 8:30 AM - 1:00 PM and again from 1:30 PM - 4:30 PM. With total assets exceeding $20 million, we are well-positioned to continue serving our members effectively while maintaining strong financial health. We invite you to join us at Lcra and experience firsthand the benefits of being part of a community-focused credit union dedicated to your financial success. Whether you're looking for personal banking solutions or business services, we're here for you every step of the way. Reach out today at 979-639-0023 or visit us online at Lcra to learn more about membership eligibility!

Our Mission

At the heart of Lcra is our mission: to empower our members through exceptional financial services while fostering community support and growth. We believe in building lasting relationships with those we serve, offering personal banking solutions such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our goal is not only to provide access to essential financial tools but also to enhance the lives of our members by supporting their dreams and aspirations. In addition to financial services, Lcra actively engages in community outreach efforts. We understand that when our members thrive, so does our community. By partnering with local organizations and participating in events, we strive to make a positive impact on the lives of those around us.

Branch Location & Accessibility

Accessibility Features

At Lcra, we prioritize accessibility for all members. Our location includes ADA-compliant features such as ramps and designated parking spaces. We want everyone to feel welcome and comfortable when visiting us.

Operating Hours

We're here for you Monday through Friday from 8:30 AM to 1:00 PM and again from 1:30 PM to 4:30 PM. These hours are designed to fit into your busy schedule, so you can easily manage your banking needs.

Services Offered

Although we do not have ATM services or a drive-thru at this location, our branch offers a range of personal and business banking services. From checking and savings accounts to auto loans and credit cards with rewards, we've got what you need. If you prefer online options, take advantage of our online and mobile banking services! While members can visit us at 104 E State Highway 71 Byp La Grange Tx 78945, official correspondence should be sent to P O Box 19138, Austin, TX 78760. If you have any questions or need assistance, don't hesitate to call us at (979) 639-0023. We look forward to welcoming you soon!

Member Eligibility

At Lcra, we believe that everyone deserves a chance to be part of a caring community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the La Grange area, you're likely eligible to join us. We invite individuals who share our values and want to benefit from our financial services to take this step toward a brighter future. Membership at Lcra opens doors to great financial products, personalized service, and a supportive network that puts your needs first. To learn more about the specific eligibility criteria, feel free to visit our website at http://lcracu.org/membership . If you're ready to join or have questions about opening an account, don't hesitate to call us at (979) 639-0023. Our team is here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced market, having efficient merchant services can make all the difference. Imagine being able to process payments seamlessly while focusing on what you do best running your business. Our merchant services simplify transactions, making it easier for you to serve your customers and enhance their experience. Whether it's online payments or point-of-sale solutions, we've got you covered. Visit us at 104 E State Highway 71 Byp La Grange Tx 78945 or give us a call at (979) 639-0023 to discover how we can partner with you on your journey to success!

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. Additionally, we support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that can be tailored to your specific goals. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessing Cash When You Need It

While we don't have ATMs or drive-thru services at this branch, we ensure that cash withdrawal services are available at convenient locations nearby. Our commitment is always towards making banking straightforward and hassle-free.

Credit Cards That Reward You

Don't forget about our credit cards with rewards! Use them for everyday purchases and earn points that can lead to exciting rewards. It's an easy way to save while spending.

Financing Your Dreams

Thinking about buying a new car? With our auto loans and vehicle financing, we help turn your dreams into reality. Our competitive rates ensure that you can drive away with confidence. We also provide mortgage loans and refinancing options if you're ready to purchase your dream home or want to lower your current mortgage payments. Our friendly staff is here to guide you through every step of the process. If you're facing unexpected expenses or planning for a big purchase, consider our personal loans and debt consolidation services. We understand that life can be unpredictable, and we're here to help simplify your financial journey.

Get in Touch!

Ready to explore all that Lcra has to offer? Give us a call at (979) 639-0023 or visit us during our operating hours from Monday to Friday, 8:30 AM - 4:30 PM (with lunch from 1:00 PM - 1:30 PM). We look forward to assisting you with all your financial needs! For more information, check out our website at Emf. Join us today and experience personalized service like no other!

Personal Banking Made Simple

Whether you are looking to open a checking or savings account, our personal banking options are designed to meet your everyday needs. You can easily manage your finances through our online and mobile banking services. This means that wherever you go, your accounts are just a few taps away on your smartphone. Imagine checking your balance while waiting in line or transferring funds instantly without the need for a branch visit this is the convenience we offer.

Supporting Local Businesses

For those who run a business or are thinking about starting one, we offer specialized business banking services including merchant services and business loans tailored for small businesses. We believe in supporting our community by helping local entrepreneurs succeed.

Digital & Online Banking

Key Features for Your Convenience

With our user-friendly online banking, you can check balances, transfer funds, and pay bills anytime you need. Want to send money to a friend or family member? Our person-to-person transfer feature makes it easy and quick. Plus, if you're always on the go, our mobile application lets you manage your accounts directly from your smartphone.

Security You Can Trust

Security is a top priority for us. We use advanced technology to keep your information safe while you enjoy the convenience of online banking. Although we currently do not offer electronic signature authorization, rest assured that all transactions are protected with robust security measures.

Stay Updated with E-Statements

Say goodbye to paper clutter! With our e-statements service, you can access your statements anytime without waiting for them to arrive in the mail. This not only helps the environment but also gives you real-time access to your financial information. At Lcra, we strive to make banking simple and accessible for everyone. Whether you're checking your balance or transferring money, we've got you covered every step of the way!

Financial Strength

A Solid Foundation

With a net worth of $3,218,472, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,555 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Dedicated Team

We also take pride in having 5 full-time employees who are dedicated to serving you with expertise and care. Our team is always ready to assist you with your banking needs.

Growing Together

Total Share Accounts stand at 3,100, showing a strong and growing member base that trusts us with their finances. We are committed to being your reliable partner in achieving your financial goals. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lcra is your trusted partner. Visit us at 104 E State Highway 71 Byp La Grange Tx 78945 or call (979) 639-0023 to learn more about how we can help you achieve your financial goals.

Lending Capacity

We understand the importance of access to credit. With $291 in used auto loans and $12,710,200 in total loans and leases, our lending capacity supports members' financial needs across various sectors. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Savings

Members' savings are secured through $788,066 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. Although we have $0 in non-member deposits, our focus remains on you providing better loan rates, lower fees, and exclusive perks.

Reinvesting for Your Benefit

With $3,218,472 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to support your financial goals effectively.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,515,474 in used vehicle loans and $3,874,273 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we've got options that suit your budget.

Credit Lines

We also provide credit lines up to $1,500,000, which can be an excellent resource for managing cash flow or making larger purchases when necessary. This option is ideal for individuals who want access to funds without needing a specific purpose upfront. If you're ready to explore these loan products further or have questions about eligibility and refinancing options, don't hesitate to reach out! You can contact us at (979) 639-0023 or visit us at our branch located at 104 E State Highway 71 Byp La Grange Tx 78945 in La Grange, TX. Our dedicated team is here to assist you every step of the way. Choosing Lcra means partnering with a credit union that prioritizes your financial well-being and offers personalized solutions tailored just for you. Join us today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0, allowing you to take advantage of favorable interest rates and manageable repayment plans. If you're considering refinancing your current mortgage, our team can guide you through the eligibility process to find the best fit for your situation.

Personal Loans and Credit Cards

For those looking to consolidate debt or cover unexpected expenses, our unsecured credit card loans total $512,446. These flexible terms help our members manage their finances effectively without tying them down with complex requirements.

Loan Aggregator

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LCRA CREDIT UNION - La Grange, TX