Linkage Credit Union Waco TX | Best Auto Loans & Business Banking

Introduction

Welcome to Linkage Credit Union, your trusted financial partner located at 4527 Speight Ave, Waco, TX 76711. Since our establishment in 1931, we have been dedicated to serving our community with reliable banking solutions tailored to meet the needs of our members. With a robust membership base of 2,121 and total assets exceeding $18,273,187, we take pride in our commitment to helping you achieve your financial goals. At Linkage Credit Union, we understand that every member's journey is unique. Whether you're looking for personal banking options like checking and savings accounts, or financing solutions including auto loans and mortgages, we're here to support you every step of the way. Our team, led by CEO Mandy Holle Johnson and Board President Christine Kelly, is passionate about fostering strong relationships within the community and ensuring that each member receives personalized attention. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 4527 SPEIGHT AVE, WACO, TX 76711. With a net worth of $3,165,327 and over $1,256,478 in total deposits, we are financially stable and ready to help you navigate your financial future confidently. We also maintain a cash reserve of $361,820, ensuring liquidity for our members' needs. Whether you require assistance with loans having granted over 1,090 loans or exploring various savings options through our competitive share offerings totaling $15,064,157, we have something for everyone. We invite you to explore our services further by visiting our website at Linkage Credit Union or calling us directly at (254) 754-1168. Let's work together to build a brighter financial future for you and your family!

Branch History & Mission

Welcome to Linkage Credit Union, a cornerstone of the community in Waco, Texas. Established in 1931, our branch has grown from humble beginnings into a trusted financial partner for over 2,121 members. With total assets reaching an impressive $18,273,187, we are dedicated to providing our members with exceptional service and innovative financial solutions. Our branch is conveniently located at 4527 Speight Ave, Waco, TX 76711. Just a stone's throw away from local landmarks and nestled within a vibrant neighborhood, we aim to be not just a financial institution but also a welcoming hub for our community. While members can visit us at this address for all their banking needs, official correspondence should be sent to the same address. At Linkage Credit Union, our mission is simple yet impactful: to empower our members by offering personalized banking services that help them achieve their financial goals. We believe in fostering a strong sense of community through various outreach initiatives and partnerships that uplift those around us. Our commitment extends beyond traditional banking; we strive to support local events and causes that make Waco a better place to live. Over the years, we've made significant strides in enhancing our services. Our digital offerings include online banking and mobile applications designed for convenience and accessibility. We ensure that all members can easily manage their finances anytime and anywhere. Furthermore, we prioritize ADA compliance and customer-centric initiatives to ensure everyone feels welcome at Linkage. In addition to our comprehensive suite of personal banking services such as checking and savings accounts, auto loans, mortgage options, credit cards with rewards we also offer business banking solutions tailored for local entrepreneurs. Our drive-thru service makes it easy for members on the go to conduct essential transactions quickly. As we look ahead, we invite you to join us on this journey. Experience firsthand the benefits of becoming part of the Linkage family. Whether you're looking for reliable financial services or simply want to engage with your community more deeply, Linkage Credit Union is here for you. For more information about membership or services offered, feel free to reach out at 254-754-1168 or visit our website at linkagecu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Linkage Credit Union, we prioritize accessibility for everyone. Our branch is ADA compliant, featuring ramps and designated parking spaces to ensure that every visit is comfortable and convenient. You'll find ample parking available right outside our doors.

Conveniently Located

Nestled in McLennan County, our branch is just a short drive from popular local spots, making it easy to fit banking into your busy day. If you're nearby the historic Waco Suspension Bridge or enjoying a day at Cameron Park, swing by for all your banking needs.

Get in Touch

If you have questions or need assistance, don't hesitate to reach out! You can contact us at (254) 754-1168. We look forward to welcoming you into our branch soon stop by today and experience the friendly service that sets Linkage Credit Union apart!

Operating Hours

We know your time is valuable! Our lobby hours are Monday through Thursday from 9:00 AM to 3:30 PM and Friday from 9:00 AM to 5:30 PM. For those who prefer drive-thru banking, we open early at 7:30 AM on weekdays and serve until 5:30 PM on Monday through Thursday, and until 6:00 PM on Fridays.

Services Offered

At Linkage Credit Union, we offer a variety of services tailored to meet your financial needs from checking and savings accounts to auto loans and credit cards with rewards. Need cash? You can easily access our ATM located on-site. Plus, our drive-thru service ensures that you can make deposits or withdrawals without leaving your car. While members can visit us at 4527 Speight Ave, official correspondence should be sent to our mailing address: 4527 SPEIGHT AVE, WACO, TX 76711.

Member Eligibility

Becoming a member of Linkage is like joining a family that truly cares about your financial well-being. Located at 4527 Speight Ave Waco Tx 76711, we welcome anyone who lives, works, or worships in the community, as well as family members of existing members. It's our way of ensuring that those who are part of our neighborhood can benefit from our supportive services. Whether you're looking for a checking account, savings options, or loans tailored to your needs, being part of our credit union gives you access to all that and more. The process to become a member is straightforward and welcoming. If you're interested in learning more about the eligibility criteria, feel free to check out this resource: Eligibility Details. When you're ready to open an account, you can easily start the process online by visiting Account Opening. If you have any questions, don't hesitate to reach out to us at (254) 754-1168. We're here for you every step of the way!

Business Banking & Commercial Services

Financing Your Growth

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 That Make Sense

Imagine running your business and having a reliable partner for all your financial transactions. Our merchant services streamline payment processing, making it easier for you to focus on what you do best serving your customers. From card payments to online transactions, we ensure that your cash flow is smooth and efficient. Visit us at 4527 Speight Ave Waco Tx 76711 in Waco, TX, or call us at (254) 754-1168 to learn how we can support your business endeavors!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we understand that managing finances can be challenging. Our business banking services, including merchant services and business loans, are crafted to support your entrepreneurial journey. Whether you need to process payments or finance an expansion, we're here for you.

Credit Options

In today's world, having access to credit is essential. That's why we provide credit cards with rewards. Enjoy the benefits of earning points for every purchase, which can be redeemed for exciting rewards or cash back!

Digital Convenience

At Linkage Credit Union, we know how important it is to have access to your accounts anytime, anywhere. That's why we offer robust online and mobile banking options. You can check balances, transfer funds, and even pay bills from the comfort of your home or on-the-go. Plus, with our ATM services, withdrawing cash is just a few taps away.

Easy Access Banking

We also provide basic drive-thru banking for quick deposits and withdrawals as well as basic ATM access for balance checks and cash withdrawals. Our goal is to make banking as easy as possible for you. With our commitment to offering comprehensive services designed around your lifestyle, we invite you to become part of the Linkage family. For more information or assistance, please don't hesitate to call us at (254) 754-1168 or visit us at our branch in Waco, TX. We look forward to serving you!

Financing Your Dreams

Need a new vehicle? Our auto loans and vehicle financing services are designed to help you hit the road with confidence. Picture yourself driving that new car you've been eyeing, all while enjoying competitive rates and flexible terms. If you're thinking about buying a home, our mortgage loans and refinancing options can make that dream a reality. For those times when unexpected expenses arise, we offer personal loans and debt consolidation solutions that can ease your financial burden. You can focus on what really matters without the stress of overwhelming debt.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we've got you covered with our personal banking options. Imagine having a safe place for your money that also helps it grow! With our checking and savings accounts, you can manage your day-to-day expenses while planning for the future.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services available at https://linkagecu.com/ , you can manage your accounts whenever it suits you. Whether it's checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, our user-friendly mobile application makes banking on the go simple and straightforward.

Convenient Features for Everyday Banking

Need to send money to a friend? With our person-to-person transfer option, sending money is quick and hassle-free. Plus, if you're out shopping or grabbing a bite, take advantage of mobile payments for added convenience though please note that this feature is currently unavailable. Whether you're at home or on the go, Linkage's digital banking options ensure that managing your finances is both accessible and easy. Join us today and discover how our services can simplify your banking experience!

Secure Transactions

Your security is our top priority. Our electronic signature authorization feature allows you to sign documents digitally with confidence, ensuring that your sensitive information remains protected. You can also feel safe knowing that all your transactions are secure when using our online services.

Stay Updated with E-Statements

Enjoy the benefit of e-statements, which are not only environmentally friendly but also allow you to view your account statements quickly and easily. Say goodbye to paper clutter and hello to real-time access to your financial information.

Financial Strength

A Strong Foundation

With a net worth of $3,165,327, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,732 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Building Trust Through Growth

As part of our growing community, we have 3,393 share accounts that showcase the trust placed in us by our members. It's this trust that drives us forward as we work towards your financial success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Linkage is your trusted partner. Visit us at 4527 Speight Ave Waco Tx 76711 or call (254) 754-1168 to learn more about how we can help you achieve your financial goals.

Commitment to Our Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $249,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. This commitment to member service is reflected in our $3,165,327 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options.

Member-Centric Savings

Members' savings are secured through $3,326,736 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have no money market shares, the focus remains on giving our members the best options for saving.

Supporting Your Financial Goals

We understand the importance of lending capacity when it comes to supporting your financial goals. That's why we offer $243 in used auto loans and $10,578,508 in total loans and leases. These figures highlight our ability to assist members across various sectors. Our operational efficiency is further reflected in our current $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees who are always ready to serve you with knowledge and dedication.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,021,364 in used vehicle loans and $3,716,574 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, we have options that can fit your budget and lifestyle.

Credit Lines

For those looking for more flexibility, our credit lines offer up to $750,000 for various financial needs. This option can be particularly useful for managing unexpected expenses or consolidating debt.

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 secure the perfect space for you and your family.

Refinancing Options

If you're considering refinancing any existing loans, our team at Linkage is here to help you explore eligibility options that could save you money over time. We'll guide you through the process to ensure you make an informed decision. You can reach us at (254) 754-1168 for more information about our loan products or visit us at our branch located at 4527 Speight Ave Waco Tx 76711 in Waco, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Choose Linkage for your lending needs; we're committed to supporting your financial journey every step of the way!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $579,437 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards programs that can benefit your everyday purchases.

Loan Aggregator

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LINKAGE CREDIT UNION - Waco, TX