Neches Credit Union Port Neches TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Neches, your trusted financial partner since 1952! Located at 676 Magnolia Ave, Port Neches, TX 77651, we have been dedicated to serving our community with reliable banking solutions and personalized service. With a total membership of 76,852 and assets exceeding $982,950,481, we take pride in being a solid choice for your banking needs. At Neches, we believe that every member deserves the best financial services tailored just for them. Whether you're looking for personal banking options like checking and savings accounts, or need support with auto loans, mortgages, or business financing, we've got you covered. Our commitment goes beyond just numbers; it's about building relationships within our community and helping you achieve your financial goals. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 1118, Port Neches, TX 77651. Under the leadership of CEO Jason Landry and Board President Wesley Spivey, our team of 233 employees is here to assist you with a smile. We understand that every financial decision matters, which is why we strive to provide accessible services including online and mobile banking options. Feel free to reach out to us at (409) 722-1174 or visit our website at Neches FCU for more information. Join us in making your financial journey smooth and rewarding your future starts here!

Branch History & Mission

At Neches, we take pride in our rich history and unwavering commitment to our members and the community. Founded in 1952, our branch has been a cornerstone of financial support and community growth in Port Neches, Texas. With an initial vision of helping individuals achieve their financial goals, we have grown alongside our members, evolving into a trusted financial partner with over 76,000 strong members today. Located at 676 Magnolia Ave, Port Neches, TX 77651, our branch is conveniently situated near key landmarks that make us easily accessible to all residents. Whether you're driving through town or stopping by for a visit, you'll find a welcoming atmosphere where your financial needs are prioritized. Should you need to send official correspondence, please note that our mailing address is PO Box 1118, Port Neches, TX 77651. From our humble beginnings to now managing total assets of nearly $983 million, Neches has continuously adapted to meet the needs of our members. Over the years, we've expanded our services beyond basic banking to include personal loans, auto financing, mortgage options, and business banking services. We understand that life can be unpredictable; thus, we're here to offer support during every step of your financial journey. Our mission at Neches goes beyond just providing financial services. We strive to empower individuals and families by promoting financial literacy and well-being while actively engaging in community outreach initiatives. We believe in giving back to the communities we serve whether it's through partnerships with local organizations or supporting events that enrich lives around us. In keeping pace with today's digital world, we've embraced technology to enhance member experiences. Our online banking platform offers convenience and security for managing your accounts from anywhere. Plus, with features like mobile payments and electronic signatures, we ensure that accessing your funds is both easy and safe. Our dedicated team works tirelessly to maintain a welcoming environment where every member feels valued. We are proud to offer ADA-compliant facilities along with drive-thru banking services for those who prefer quick transactions without leaving their vehicles. As we look towards the future, we invite you to join us on this journey. Become part of a credit union that is not just about banking but about building relationships within the community. Visit us at Neches or give us a call at 409-722-1174 to learn how we can help you achieve your financial dreams. Together with you, let's continue creating a vibrant future for Port Neches!

Branch Location & Accessibility

Welcome to Neches! Conveniently located at 676 Magnolia Ave in Port Neches, TX, our branch is here to serve you with friendly faces and a welcoming atmosphere. Just a stone's throw from local favorites like the Port Neches Riverfront Park, we're easy to find and even easier to visit. If you're planning to stop by, you'll be pleased to know we have ample parking available, making it simple for you to access our services. Our branch is fully accessible, featuring ADA-compliant entrances and ramps, so everyone can enjoy a hassle-free banking experience. We understand that your time is valuable. That's why our lobby hours are designed with your convenience in mind: we're open Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. If you're looking for quick service, take advantage of our drive-thru hours, where you can bank on the go from 7 AM to 5 PM on weekdays, extending to 6 PM on Fridays. At Neches, we offer a variety of services tailored to meet your needs whether it's personal banking options like checking accounts and auto loans or convenient online and mobile banking solutions. Plus, we have an ATM available for those times when you need cash quickly without stepping inside. For any official correspondence, please send mail to PO Box 1118, Port Neches, TX 77651. If you have questions or need assistance, don't hesitate to give us a call at 409-722-1174. We invite you to come visit us today and discover how we can help you achieve your financial goals!

Member Eligibility

At Neches, we're excited to welcome you into our community of members who enjoy personalized financial services tailored just for them. Becoming a member is an easy and inclusive process that opens the door to a world of benefits. To be eligible, you simply need to live, work, or worship in the areas we serve, which allows us to create lasting relationships with our members and provide support where it matters most. If you're interested in learning more about specific eligibility criteria, feel free to check out the details at this link. Once you're ready to join us at our branch located at 676 Magnolia Ave, Port Neches, TX 77651, opening an account is just as straightforward. You can start your application online by visiting this page or give us a call at 409-722-1174 if you have any questions. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $242 in commercial loans for our members, helping businesses scale and succeed. This funding has empowered entrepreneurs to invest in new equipment, hire more staff, and enhance their operations. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions for those outside our membership. - With an outstanding commercial loan portfolio of $35,494,009, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services designed to simplify transactions. Imagine running a busy retail store and needing an efficient way to accept payments from customers. Our payment processing solutions make it easy for businesses to manage sales while keeping customers happy with seamless checkout experiences. Visit us at 676 Magnolia Ave Port Neches Tx 77651 in Port Neches, TX, or call us at (409) 722-1174 to learn how we can support your business journey today!

Comprehensive List Of Services

Accessing Our Services

We understand that everyone's schedule is different; hence we've made it easy for you to connect with us. Our lobby hours from Monday through Thursday are 9:00 AM to 5:00 PM and extend until 6:00 PM on Fridays. You can reach us at (409) 722-1174 if you have any questions or need assistance. At Neches, we're committed to making banking simpler and more accessible for all our members. Explore our comprehensive range of services today and see how we can help you achieve your financial goals! Visit us online at Administration Office or stop by our branch in Port Neches!

Business Banking Services

For small business owners, Neches also provides specialized services through our Business Banking offerings. From Merchant Services that simplify transactions to Business Loans that help fund growth initiatives, we are here to support your entrepreneurial journey.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features ensure that you can access your accounts anytime, anywhere. With services like ATM & Cash Withdrawal Services, you have easy access to your funds without unnecessary hassle. You can also enjoy basic drive-thru banking for quick deposits and withdrawals.

Personal Banking Solutions

Whether you're just starting out or looking to expand your financial portfolio, our personal banking options cover all your needs. We offer Checking & Savings Accounts that fit various lifestyles, allowing you to manage everyday transactions effortlessly. If you're planning on purchasing a vehicle, our Auto Loans & Vehicle Financing can help get you on the road quickly with competitive rates and flexible terms. For those considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing options are designed to make the process smooth and manageable.

Support for Your Financial Goals

Managing debt is crucial for financial health. That's why we offer Personal Loans & Debt Consolidation services that give you the tools to take control of your finances. Additionally, our Credit Cards with Rewards allow you to earn while you spend, making every purchase more rewarding.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the option for electronic signature authorization. This allows you to complete necessary transactions quickly without the hassle of printing documents. We also offer e-statements, making it easy for you to keep track of your account activity while helping the environment by going paperless. If you're someone who often sends money to friends or family, you'll love our person-to-person transfers feature. It's a quick and secure way to send money directly from your account to theirs without needing cash or checks. For those who prefer using their phones for payments, our mobile payments feature lets you make purchases seamlessly with just a tap. This means no more fumbling for cash or cards just grab your phone and go!

Security and Support

We prioritize your security at Neches. Our online banking system uses robust security measures to protect your information and ensure that every transaction is safe. If you ever need assistance, our friendly support team is ready to help you navigate any issues. In summary, whether you're at home or on the move, our digital and online banking services empower you with real-time account management while providing peace of mind through strong security features. Join us today and experience banking that fits into your lifestyle!

Financial Strength

Dedicated Team

We also take pride in having 219 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Your questions matter to us, and our staff is here to provide support whenever you need it.

Focused on Members

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 tailored to enhance your banking experience.

Lending Capacity

With $10,112 in used auto loans and $741,843,565 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether you're looking to purchase a vehicle or finance other needs, we're here to help make it happen.

Member Trust

Total Share Accounts stand at 156,430, showcasing a strong and growing member base that trusts us with their finances. This trust is what drives us to continually improve and innovate for all our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Neches is your trusted partner. Visit us at 676 Magnolia Ave Port Neches Tx 77651 or call (409) 722-1174 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. A healthy income allows us to reinvest back into the services you rely on every day.

Reinvestment in Services

With $147,230,455 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This continuous improvement means more value for you as part of our community.

Secure Savings Opportunities

Members' savings are secured through $267,140,038 in share certificates and $109,073,163 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize safety in your savings while providing options that help your money grow.

Solid Capital Foundation

Our net worth ratio of $1,519 demonstrates a strong capital base, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even during uncertain economic times. This ratio is a key indicator of our ability to weather financial storms while supporting our members' needs.

Strong Net Worth

With a net worth of $149,724,167, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation supports our mission of serving you with integrity and reliability.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $198,700,273 in used vehicle loans and $137,324,072 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $35,494,009 provide the capital needed to grow and expand. We are committed to supporting local businesses with accessible funding options that can help you thrive in today's competitive market.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,433,246, make buying or refinancing simple. We provide tailored solutions that cater to both first-time buyers and those looking to refinance their existing mortgages.

Refinancing Options

If you're considering refinancing any of your current loans, our team can assist you in finding the best options available. We aim to make the refinancing process straightforward and beneficial for you, allowing you to save money and improve your financial situation. In summary, Neches offers a wide array of loan products tailored for every need whether it be auto financing, mortgages, credit cards, or business lending. We encourage you to reach out at (409) 722-1174 or visit us at 676 Magnolia Ave Port Neches Tx 77651 in Port Neches, TX, for more information about how we can assist you on your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $26,793,592 in loans helping members manage their finances effectively. These cards come with various rewards and benefits designed to enhance your purchasing power while keeping your budget in check.

Loan Aggregator

Accurate Loan 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 all offers presented are fair and transparent. Users can trust that the information they receive reflects actual market conditions, allowing them to make informed decisions without hidden surprises.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users navigate their choices effectively. Thousands of users trust LendMesh for 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 tool's effectiveness in connecting borrowers with the best available rates. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *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.*

Neches