Light Commerce Credit Union Houston TX | Low Mortgage Rates & Business Banking

Introduction

Welcome to Light Commerce Credit Union, where your financial well-being is our top priority! Located at 1535 Greensmark Dr, Houston, TX 77067, we are proud to serve our community since 2004. With a growing membership of 844 members and total assets reaching $4,829,403, we're dedicated to providing the best financial services tailored just for you. At Light Commerce, we understand that each member's needs are unique. That's why we offer a variety of services including personal banking, auto loans, mortgages, and more. Our commitment extends beyond numbers; it's about building relationships based on trust and reliability. Under the leadership of CEO Harlene Johnson and Board President Ira Hilliard, our team of 2 employees works tirelessly to ensure your experience is seamless and supportive. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 670494, Houston, TX 77267. We invite you to explore our wide range of services designed to help you achieve your financial goals. Whether you're looking to open a new account or need assistance with loans our friendly staff is here to help! Feel free to reach us at 281-876-7576 during our lobby hours from 10 AM to 4 PM, Monday through Friday. Join us at Light Commerce Credit Union today and experience the difference in community-focused banking! Visit our website at Light Commerce Credit Union for more information.

Branch History & Mission

Commitment to Community

Light Commerce is not just about banking; it's about building relationships. Our team actively participates in local events and supports various charitable causes throughout Houston. By investing in community programs, we ensure that our growth directly benefits those who matter most our members and neighbors. While members can visit us at 1535 Greensmark Dr, official correspondence should be sent to PO Box 670494, HOUSTON, TX 77267. We understand the importance of accessibility; however, please note that we do not currently offer ATM or drive-thru services.

Future Focused

Looking ahead, we are excited about the digital advancements we've made in enhancing member experience through online and mobile banking services. We strive for ADA compliance and prioritize customer-centric initiatives to create a welcoming environment for everyone. We invite you to join the Light Commerce family today! Experience firsthand how we're dedicated to your financial success and well-being. Reach out to us at 281-876-7576 or visit our website for more information about membership opportunities. Together, let's build a brighter financial future!

Our Journey

Since our inception, Light Commerce has evolved significantly. From humble beginnings, we have steadily built a strong foundation, now boasting total assets of $4,829,403. Each milestone reflects our dedication to serving our community with integrity and care. We are proud to offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards tailored to meet the needs of every member. Our mission is simple yet powerful: to empower individuals and families by providing accessible financial solutions while fostering community development. We believe that when our members thrive, so does our entire community. This mission drives us every day as we engage in outreach initiatives and form partnerships that enrich the lives of those around us.

Branch Location & Accessibility

Getting Here

Whether you're driving from nearby areas or just popping in from around the corner, our location offers ample parking and easy access. We also comply with ADA standards to ensure everyone can visit us comfortably. Our lobby hours are set to fit your busy schedule, open Monday through Friday from 10 AM to 4 PM. If you have questions or need assistance outside these hours, feel free to give us a call at 281-876-7576.

Services Designed for You

At Light Commerce, we provide a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you achieve your financial goals. Although we currently do not offer ATM services or drive-thru banking at this branch, our friendly staff is always available inside to assist you with any transactions or inquiries you may have. While members can visit us at 1535 Greensmark Dr, official correspondence should be sent to PO Box 670494, Houston, TX 77267. We invite you to stop by and see how Light Commerce can support your financial journey. Whether you're a long-time member or new to our community, we look forward to welcoming you soon!

Member Eligibility

Becoming a member of Light Commerce is like joining a family that truly cares about your financial well-being. Located at 1535 Greensmark Dr Houston Tx 77067, we welcome individuals who share our commitment to building a supportive community. If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us! We also extend membership to immediate family members of current members, making it easy for you and your loved ones to benefit from our personalized services. For a complete overview of the eligibility requirements, feel free to check out our detailed resource at http://www.lightcommercecu.org/services/membership-services . Getting started is simple! Just reach out to us at (281) 876-7576 or visit our website for information on how to open an account with us. At Light Commerce, we're dedicated to providing you with financial tools and support that suit your needs. Join us today and enjoy the perks of being part of a credit union that prioritizes its members! To learn more about opening your account, visit http://www.lightcommercecu.org/applications/loan-application .

Business Banking & Commercial Services

Financing Your Vision

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 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 That Make Sense

Imagine running your daily operations without worrying about payment processing. Our merchant services are tailored to simplify transactions, allowing you to focus on what matters most growing your business. From accepting credit cards to managing online payments, we provide tools that enhance customer experience and streamline cash flow. Visit us at 1535 Greensmark Dr Houston Tx 77067, located in Houston, TX, or call us at (281) 876-7576 to explore how our business banking solutions can help turn your vision into reality.

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and small business owners, Light Commerce offers specialized business banking solutions including merchant services and business loans. We understand the challenges faced by businesses today, and we're committed to providing personalized support to help them thrive.

Convenient Access Anytime

We know that convenience is key in today's fast-paced world. That's why our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. While we currently do not have ATM services available at this branch, we're always here during our lobby hours from 10 AM to 4 PM, Monday through Friday to assist you directly. In addition to these essential services, we take pride in fostering a welcoming community atmosphere where members can feel comfortable discussing their financial goals. If you're ready to explore how Light Commerce can support your financial journey or if you have any questions about our offerings, please don't hesitate to reach out! You can contact us at (281) 876-7576 or visit us online at Light Commerce Credit Union. Join us today and experience the difference of member-focused service!

Credit Cards with Rewards

For those who love to earn while spending, our credit cards with rewards can be an excellent choice. Enjoy benefits that put cash back in your pocket or points toward future purchases. It's like being rewarded for everyday expenses!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans come with flexible terms to fit your budget. If you already own a home but want to lower your monthly payments, consider our refinancing options. We're here to guide you through every step of the process, ensuring you feel confident in your decisions.

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to help you manage your money effortlessly. With easy online and mobile banking options, accessing your accounts and monitoring your finances is just a click away. Imagine being able to check your balance or transfer funds while waiting in line at the grocery store! If you're considering purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing options provide competitive rates that can make your dream ride more affordable. We understand that life can get busy, so we also offer personal loans and debt consolidation services to help you navigate financial hurdles with ease.

Digital & Online Banking

Key Features

One of the highlights of our digital offerings is e-statements. You can easily opt for e-statements instead of traditional paper ones, helping you stay organized while also being environmentally friendly. Plus, there's no need to worry about security; we prioritize protecting your information every step of the way. For those who prefer to bank on their mobile devices, our user-friendly mobile application is available for download. This app allows you to perform all the essential banking tasks right from your smartphone. While we currently do not support mobile payments or person-to-person transfers, you can still enjoy a hassle-free experience through our existing features.

Security and Convenience

Although we don't offer electronic signature authorization at this time, rest assured that our systems are designed with security in mind. You can feel confident that your financial information is safe when using our services. At Light Commerce, we are committed to providing accessible and straightforward solutions for all your banking needs. Whether you're at home or out and about, managing your accounts has never been easier! Visit us today and discover how our digital banking services can simplify your financial life.

Financial Strength

Commitment to Growth

With $1,081,044 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust; we have supported our community with $81 in used auto loans and $3,523,557 in total loans and leases, helping members achieve their financial goals.

Growing Membership Base

The trust placed in us by our community is evident through our total share accounts 1,510 which showcases a strong and growing member base that chooses Light Commerce for their financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Light Commerce is your trusted partner. Visit us at 1535 Greensmark Dr Houston Tx 77067 or call (281) 876-7576 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.

Member-Centric Savings

Members' savings are secured through $1,224,343 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on our members' needs, we also ensure that our resources are managed wisely our total non-member deposits stand at $0. This approach helps us prioritize benefits for you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 2 full-time employees ready to assist you with your needs.

Solid Foundation of Trust

With a net worth of $1,081,044, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,238 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 provide some of the lowest rates in the industry. We've already facilitated over $1,374,966 in used vehicle loans and $1,112,155 in new vehicle loans, assisting our members in hitting the road with confidence. Whether you are buying a brand-new car or a reliable used one, we have financing solutions tailored just for you.

Credit Lines

Our total credit lines amount to $400,000, providing additional financial flexibility for those who may need access to funds without taking on a traditional loan. If you're interested in refinancing any existing loans or learning more about eligibility options for our various products, don't hesitate to reach out. Our team is here to guide you through the process and ensure you find the best fit for your financial situation. For more information or to get started with your application, please contact us at 281-876-7576 or visit us at 1535 Greensmark Dr Houston TX 77067. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how Light Commerce can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available at this time, we encourage you to check back for future offerings that can help you secure your dream home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although we currently have no outstanding unsecured credit card loans available, our commitment to helping members manage their finances effectively remains strong.

Loan Aggregator

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LIGHT COMMERCE CREDIT UNION