Neches Credit Union Port Neches TX | Low Mortgage Rates & Top Auto Loans

Introduction

Welcome to Neches, your trusted financial partner in the heart of Port Neches, Texas. Established in 1952, we have proudly served our community for over 70 years, helping our members achieve their financial goals with personalized banking solutions. Located at 1401 Merriman St, Port Neches, TX 77651, our branch is not just a place to manage your money; it's a hub for community connection and support. At Neches, we take pride in our impressive growth and stability, boasting total assets of $982,950,481 and total deposits amounting to $73,561,708. With a dedicated membership base of 76,852 individuals and families, we understand the unique needs of our community. Our commitment to you extends beyond numbers we are here to empower you with the tools and resources needed for financial success. Led by our CEO, Jason Landry, and Board President Wesley Spivey, our team of 233 employees is passionate about providing exceptional service. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans or mortgages, we've got you covered. We also offer robust business banking solutions tailored to meet the needs of local entrepreneurs. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 1118, Port Neches, TX 77651. If you have any questions or need assistance, don't hesitate to reach out at 409-749-6367 during our lobby hours from Monday through Friday, 7:30 a.m. to 3:30 p.m. Join us today and experience the Neches difference! Visit our website at nechesfcu.org to learn more about how we can assist you on your financial journey. We're excited to welcome you into our family!

Branch History & Mission

Welcome to Neches, where our story begins in 1952, right here in Port Neches, TX. Over the years, we have built a strong legacy of community support and financial service that has transformed the lives of our members. From humble beginnings, we have grown into a thriving credit union with a total membership of 76,852 and assets totaling $982,950,481. Located at 1401 Merriman St, Port Neches, TX 77651, our branch is not just a financial institution; it's a part of the community fabric. We are proud to serve our members with integrity and dedication. While members can visit us at this address for their banking needs, official correspondence should be sent to PO Box 1118, Port Neches, TX 77651. At Neches, our mission is clear: we strive to provide top-notch personal banking services while fostering a sense of belonging and support within the community. We offer various services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. Our goal is to empower our members to achieve their financial dreams while making a positive impact in their lives. As we look back on our history, we are proud of how far we've come. We've embraced advancements in technology to offer online and mobile banking services that meet the needs of today's members. Our commitment to accessibility includes ADA compliance initiatives ensuring that everyone can benefit from our services. Community outreach is at the heart of what we do. We actively seek partnerships that uplift local organizations and support causes important to our members. Whether through sponsorships or volunteering efforts, Neches is dedicated to being a good neighbor. We invite you to experience the difference at Neches. Join us today and become part of a community-focused credit union that truly cares about your financial well-being. For more information or to open an account, please call us at 409-749-6367 or visit our website. Together, let's build a brighter future!

Branch Location & Accessibility

Come Visit Us!

We invite you to come by Neches for all your financial needs. If you have questions or want more information about our services, don't hesitate to give us a call at 409-749-6367. We look forward to welcoming you into the Neches family!

Conveniently Located

Our branch is just a short drive from popular local spots like the Port Neches Park and nearby schools. With ample parking available right outside our doors, you can stop by without any hassle. We strive to provide an inclusive experience for all members; our facility is ADA compliant with ramps and accessible entrances.

Operating Hours and Services

At Neches, we know your time is valuable. That's why we offer banking hours from Monday through Friday, starting at 7:30 a.m. and closing at 3:30 p.m. Our friendly staff is ready to assist you during these hours with a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. For those on the go, we also have ATM availability for quick cash withdrawals and balance checks. While we don't have a drive-thru service at this location, our commitment to excellent customer service ensures your experience will be smooth whether you visit us in-person or utilize our online banking options.

Member Eligibility

At Neches, we believe that everyone deserves a chance to join a supportive community that focuses on your financial well-being. If you're looking to become a member, you'll be pleased to know that eligibility is quite accessible! Generally, anyone who lives, works, worships, or attends school in our local area can join us. This means you're likely already part of our community! For those who want to dive deeper into the specifics, feel free to check out the detailed eligibility criteria at . Once you're ready to take the next step, opening an account with us is easy and straightforward. You can find all the necessary information on how to get started by visiting our account opening page at https://www.nechesfcu.org/borrow/apply-now.html. If you have any questions or need assistance, don't hesitate to give us a call at (409) 749-6367. We're here to help you every step of the way!

Business Banking & Commercial Services

Member Commercial Loans

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. These funds can be used for anything from purchasing new equipment to expanding your operations.

Merchant Services

In addition to loans, our merchant services simplify transactions and enhance customer experiences. Imagine processing payments quickly, tracking sales seamlessly, and gaining insights into customer behavior all from one reliable platform. This allows you to focus on what matters most: running your business efficiently. For more information or to start your journey with us, visit us at 1401 Merriman St Port Neches Tx 77651 in Port Neches, TX, or call us at (409) 749-6367. Your success is our mission!

Non-Member Support

While we prioritize our members, we also care about the broader business community: - We support local entrepreneurs with $0 in non-member commercial loans, providing flexible financing solutions that adapt to various needs.

Outstanding Portfolio

With an outstanding commercial loan portfolio of $35,494,009, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll find our business banking services particularly useful. From merchant services that simplify payment processing to business loans that help you grow your enterprise, Neches is here to support your ambitions.

Call Us Anytime!

For any questions or assistance regarding our services, don't hesitate to reach out! You can contact us at 409-749-6367 during our lobby hours from Monday through Friday, 7:30 a.m. - 3:30 p.m. At Neches, we pride ourselves on being more than just a credit union; we're part of the community. Visit us today or check out our website at nechesfcu.org for more information on how we can help you achieve your financial goals!

Credit Cards and Rewards

For members who love rewards, our credit cards come with great benefits that allow you to earn while you spend. Imagine earning points on everyday purchases that can lead to exciting rewards; that's the kind of value we strive to deliver.

Digital Banking Convenience

We also prioritize convenience through our online and mobile banking features. Accessing your accounts has never been easier! With just a few taps on your smartphone or clicks on your computer, you can manage your finances from anywhere. Our ATM services are available for cash withdrawals and balance checks whenever you need them.

Personal Banking Solutions

Our personal banking options include checking and savings accounts that help you manage your everyday finances effortlessly. Whether you need a place to keep your savings safe or want to earn interest on your deposits, we have the right account for you. For those looking to purchase a vehicle, our auto loans and vehicle financing options offer competitive rates and flexible terms, making it easier for you to hit the road. When it comes to home ownership, we provide mortgage loans and refinancing opportunities tailored to fit your budget. Our personal loans can assist with everything from unexpected expenses to debt consolidation, ensuring you're never left without support when you need it most.

Digital & Online Banking

Key Features

One of the standout features is our mobile application. Available for download, it allows you to access all your banking needs from your smartphone. Need to send money to a friend? With our person-to-person transfers, sending cash is as easy as sending a text message. Plus, if you're looking for a quick way to make purchases, our mobile payments feature makes transactions effortless and secure.

Online Banking Services

With 24/7 online banking available at https://www.nechesfcu.org/, you can check your balances, pay bills, and transfer funds anytime you need. Say goodbye to waiting in line; now, everything you need is just a click away! Our user-friendly platform ensures that managing your money is straightforward and efficient.

Security and Accessibility

Your safety is important to us. That's why we offer electronic signature authorization for secure document signing. Additionally, e-statements are readily available, allowing you to receive important account information without the hassle of paper clutter. At Neches, we strive to ensure that all members have access to real-time account management tools that fit their busy lifestyles. Whether it's checking your latest transaction history or making payments on the go, our digital banking services are here to support you every step of the way. Explore all these features today by visiting https://www.nechesfcu.org/! Your financial journey should be as smooth as possible, and with our digital banking options, it truly can be.

Financial Strength

Commitment to Growth

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. Our lending capacity supports members' financial goals with $10,112 in used auto loans and a total of $741,843,565 in loans and leases across various sectors.

Growing Membership Base

We have a strong and growing member base with a total of 156,430 share accounts. This illustrates the trust that our community places in Neches as their financial partner. 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 1401 Merriman St Port Neches Tx 77651 or call 409-749-6367 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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. 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.

Operational Efficiency

Our $0 net income reflects our commitment to providing value while managing our operational costs effectively. 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.

Strong Financial Position

With a net worth of $149,724,167, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1519 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 $198,700,273 in used vehicle loans and $137,324,072 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you find the right financing solution for your next vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $35,494,009 provide the capital needed to grow and expand your operations. We understand the unique challenges that businesses face and are here to support your journey with tailored lending solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $12,433,246, making buying or refinancing simple. We are committed to helping you navigate the home loan process smoothly.

Refinancing Options

If you're considering refinancing any of your existing loans or credit lines for better rates or terms, we can help guide you through the eligibility process. Our goal is to ensure you make informed decisions that align with your financial objectives. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Neches Credit Union, we prioritize transparency and member satisfaction in all our services. Explore how our loan products can benefit you today! Visit us online at nechesfcu.org or apply now through this link. Let us help you take the next step towards achieving your financial aspirations.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $26,793,592 in loans available, our credit cards help members manage their finances effectively while enjoying rewards that fit their lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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), ensuring fair and transparent offers. By partnering only with verified financial institutions, LendMesh guarantees that users receive accurate information about loan products.

Neches