Naft Credit Union Pharr TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Naft Federal Credit Union Sro, your trusted financial partner located at 4301 N Sugar Rd, Pharr, TX 78577. Since our establishment in 1956, we have dedicated ourselves to serving the needs of our community and providing exceptional financial services. With a robust membership base of over 11,762 individuals, we pride ourselves on fostering personal connections while delivering reliable banking solutions. At Naft, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking accounts to auto loans and credit cards with rewards. Our total assets stand at an impressive $133,899,631, reflecting our commitment to stability and growth. We also hold $17,784,738 in deposits, showcasing the trust our members place in us. Led by our dedicated CEO, John McNeel, and Board President Jose Farias, our team of 39 employees is here to ensure you receive personalized service every step of the way. We believe that strong leadership combined with a member-focused approach is key to building lasting relationships. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to P.O. Box 771, Pharr, TX 78577. If you have questions or would like to learn more about how we can help you achieve your financial goals, don't hesitate to call us at 956-787-2774. Join us at Naft Federal Credit Union where your financial success is our top priority! For more information about our services and offerings, visit our website at naftfcu.coop.

Branch History & Mission

Community Engagement

At Naft Federal Credit Union Sro, community support goes beyond just banking services. We actively engage in partnerships with local organizations and initiatives aimed at enhancing the quality of life in Pharr. Through outreach programs and events, we strive to uplift those around us while promoting financial literacy within the community. As technology advances, so do we. Our digital banking options include online banking and mobile payments that make managing finances easier than ever before. We are committed to ensuring that all our services are accessible and ADA compliant so that every member can take advantage of what we offer. Join us today! Experience firsthand how Naft Federal Credit Union Sro can help you reach your financial dreams while being an integral part of your community. Call us at 956-787-2774 or visit our website at naftfcu.coop for more information on how you can become a member and benefit from our diverse offerings. Together, let's build a brighter future!

Our Mission

Our mission is simple yet profound: to provide outstanding financial services while supporting the community we cherish. We believe in putting people before profits. This principle guides us as we offer a wide range of products including checking and savings accounts, auto loans, personal loans, and credit cards with rewards. We aim to empower our members with the tools they need to achieve their financial goals. Over the years, Naft has achieved significant milestones. With total assets amounting to $133,899,631 and total membership reaching 11,762, we have established ourselves as a reliable financial institution. Our commitment to transparency and responsible lending practices allows us to offer competitive rates and personalized service. We understand that accessibility is key for our members. That's why we offer various conveniences such as ATM availability and drive-thru banking services. Our operating hours are designed with your needs in mind: from 9:00 AM to 5:30 PM Monday through Thursday, until 6:00 PM on Fridays, and even Saturday mornings until 1:00 PM.

Branch Location & Accessibility

Welcome to Naft Federal Credit Union Sro, your friendly neighborhood credit union located at 4301 N Sugar Rd, Pharr, TX 78577. Our convenient location makes it easy for you to stop by for all your banking needs, whether you're just around the corner or coming from nearby landmarks like the bustling Sugar Road Plaza. We understand how important accessibility is for our members, which is why we've ensured that our branch is ADA compliant and equipped with ramps for easy access. For those who prefer to bank on the go, we have an ATM available right at our branch, ensuring that cash withdrawals and balance checks are hassle-free. If you're in a rush or simply prefer the convenience of not stepping inside, take advantage of our drive-thru banking service. It's perfect for quick transactions like deposits and withdrawals without having to leave your vehicle. Our friendly team is here to serve you during our operating hours: from 9:00 AM to 5:30 PM Monday through Thursday, 9:00 AM to 6:00 PM on Fridays, and we're open Saturday mornings until 1:00 PM. Whether you have questions about personal banking, auto loans, or any other services we provide including online and mobile banking don't hesitate to reach out! You can give us a call at 956-787-2774. While members can visit us at 4301 N Sugar Rd for all their financial needs, official correspondence should be sent to P.O. Box 771, Pharr, TX 78577. We invite you to come in and explore what Naft has to offer. Your financial journey starts here!

Member Eligibility

Joining the Naft family means becoming part of a warm, welcoming community dedicated to supporting your financial journey. To become a member of Naft, all you need is to meet a few simple eligibility criteria. If you live, work, worship, or attend school in Hidalgo County, you're already on your way! The process is designed to be straightforward and inclusive because we believe that everyone deserves access to great financial services. For more detailed information about the specific eligibility requirements, feel free to visit our website at https://naftfcu.coop/connect/about-us/ . Opening an account with us is just as easy! You can start your membership journey by applying online through our secure platform. If you have any questions or need assistance along the way, don't hesitate to reach out to us at 956-787-2774. We're here to help you every step of the way at our branch located at 4301 N Sugar Rd, Pharr, TX 78577. Join us today and experience the benefits of being a Naft member!

Business Banking & Commercial Services

Merchant Services for Everyday Success

In addition to loans, our merchant services make everyday transactions smoother for your business. Imagine having a reliable partner who helps you process payments quickly, manage cash flow effectively, and offer better service to your customers. From point-of-sale systems to online payment solutions, we have the tools you need to keep your business running smoothly. Located at 4301 N Sugar Rd Pharr Tx 78577 in Pharr, TX, we invite you to explore how our business banking and commercial services can empower your entrepreneurial journey. Connect with us today at (956) 787-2774 or visit our website at Naft Federal Credit Union Sro to learn more!

Supporting Your Business 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.

Comprehensive List Of Services

Business Services

For our entrepreneur members, we provide robust business banking options, including merchant services and business loans. We understand how important it is for businesses to have access to funds when they need them, so we are here to support your growth.

Credit Cards

Consider enhancing your purchasing power with our credit cards that offer rewards. Enjoy benefits like cashback or travel points while making everyday purchases. It's an easy way to earn while you spend!

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our online and mobile banking features, you can manage your accounts anytime, anywhere. Perform transactions, check balances, and pay bills right from your smartphone or computer. Plus, our ATM services allow for cash withdrawals and balance checks whenever necessary.

Drive-Thru Services

Need quick access? Our basic drive-thru banking offers simple transactions such as deposits and withdrawals without leaving your vehicle perfect for those busy days! Whether you're looking to open a new account or need assistance with a loan application, we're here for you at Naft located at 4301 N Sugar Rd Pharr Tx 78577 in Pharr, TX. You can reach us at (956) 787-2774 during our operating hours: - Monday through Thursday: 9:00 AM - 5:30 PM - Friday: 9:00 AM - 6:00 PM - Saturday: 9:00 AM - 1:00 PM Explore all that we have to offer by visiting us online at Naft Federal Credit Union Sro. Let us partner with you on your financial journey today!

Home Financing

If homeownership is on your horizon, explore our mortgage loans and refinancing solutions. We aim to simplify the home-buying process, helping you navigate through each step confidently. Our mortgage specialists will work closely with you to find the best financing option that suits your budget.

Personal Banking

We understand that managing your finances is a personal journey. That's why we offer checking and savings accounts tailored to fit different lifestyles. Whether you're saving for a vacation or need a reliable account for daily transactions, we've got you covered. Our auto loans and vehicle financing options make purchasing your dream car more accessible than ever, with competitive rates and flexible terms.

Personal Loans

Life can sometimes throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We can help you consolidate existing debts into one manageable payment, making it easier for you to regain control over your finances.

Digital & Online Banking

Key Features

We offer a variety of features to enhance your banking experience. For those who prefer paperless options, our e-statements provide a quick and secure way to stay updated on your account activity without the clutter of physical documents. If you're looking for a more immediate way to send money, our person-to-person transfer service makes it simple to send cash to friends and family with just a few taps. Plus, for members who love using their phones, our mobile application is available for download so you can manage your accounts right from your device. You can even take advantage of mobile payments for fast and easy transactions at participating locations.

Security & Ease of Use

We prioritize your security. While we currently do not offer electronic signature authorization, rest assured that all our digital services are built with robust security measures to protect your personal information. Our user-friendly interface makes navigation simple, so you can focus on what matters most your finances. Whether you're checking your balance or making payments on the go, Naft is here to make banking convenient and accessible for you. Join us today in embracing a hassle-free banking experience!

Financial Strength

Commitment to Growth

With $21,005,634 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 across various sectors with $485 in used auto loans and $60,936,375 in total loans and leases.

Member Trust

Total Share and Deposit Accounts stand strong at 20,816, showing a robust member base that trusts us with their finances. This trust reinforces our commitment to providing excellent service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Naft is your trusted partner. Visit us at 4301 N Sugar Rd Pharr Tx 78577 or call (956) 787-2774 to learn more about how we can help you achieve your financial goals.

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 also take pride in having 35 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $15,733,811 in share certificates and $10,628,650 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $21,868,840, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,633 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 $9,559,274 in used vehicle loans and $32,654,260 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to ensure you have the flexibility you need when making such an important purchase.

Credit Lines

For those looking for additional financial flexibility, we also offer credit lines totaling $7,420,000. This option provides you with ready access to funds for unexpected expenses or planned projects without needing to take out a full loan. At Naft Federal Credit Union, we prioritize our members' needs and strive to provide the best possible service and loan products available. For more information on eligibility or to apply for one of our loans online, please visit our website at naftfcu.coop or explore further details on our services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your financial journey every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $361,674, providing a straightforward path towards owning your dream home. If you're considering refinancing your existing mortgage, we can help assess your options to find a solution that fits your budget.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible unsecured credit card loans. With a total of $3,787,635 in loans helping members effectively manage their finances, you can enjoy competitive terms and access funds when you need them most.

Loan Aggregator

How LendMesh Ensures 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 ). This ensures that users receive fair and transparent offers tailored to their needs. Each listing reflects accurate terms and rates, allowing borrowers to make informed choices without hidden surprises.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve your best interests. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, empowering users to compare options easily. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this comparison tool. If you're ready to explore your options and find the best rates for your needs, compare real-time loan offers today at LendMesh. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

NAFT FEDERAL CREDIT UNION