Old Ocean Credit Union Sweeny TX | Affordable Vehicle Loans & Business Banking

Introduction

At Old Ocean Federal Credit Union, we pride ourselves on being a trusted partner for our members since our establishment in 1949. Located at Po Box 867, Sweeny, TX 77480, we have grown alongside our community, now serving over 3,058 members with a commitment to provide excellent financial services tailored to your needs. Our total assets stand strong at $40,442,032, reflecting our dedication to the financial well-being of our members. We understand that each member has unique financial goals, which is why we offer a wide range of services including personal banking, auto loans, mortgage financing, and business banking solutions. With total deposits reaching $3,522,897 and a net worth of $7,668,201, you can trust that your money is in safe hands. We also maintain a healthy cash reserve of $277,565 to ensure liquidity and stability. Under the leadership of CEO Pam Bohac and Board President Albert Herreth, our team of 10 employees is here to help you navigate your financial journey. Whether you're looking to open an account or secure a loan our doors are always open during lobby hours from 9:00 AM to 5:00 PM Monday through Friday. While members can visit us at Po Box 867, official correspondence should be sent to the same address for your convenience. We invite you to explore our website at Old Ocean Federal Credit Union or call us at 979-316-4833 for any questions or assistance. Join us today and experience the personalized service that makes Old Ocean more than just a credit union it's a community.

Branch History & Mission

Community Engagement

Community outreach is at the heart of what we do. We partner with local organizations to support initiatives that uplift our neighborhoods and provide resources for those in need. From sponsoring local events to hosting financial literacy workshops, we strive to make a positive impact beyond banking. For any official correspondence, please note that while you can visit us at our branch address, PO Box 867, Sweeny, TX 77480 serves as our mailing address as well. As we look toward the future, Old Ocean Federal Credit Union remains committed to innovation and excellence in service delivery. We invite you to join our family! Experience the benefits of being part of a member-focused credit union that values your needs. For more information or to become a member today, call us at 979-316-4833 or visit our website at oofcu.org. Together, let's achieve your financial goals!

Our Mission

At Old Ocean Federal Credit Union, our mission is clear: we aim to empower our members with the financial tools they need to thrive while actively contributing to the well-being of our community. We believe that by putting people before profits, we can make a real difference in the lives of those we serve. Our range of services includes personal banking solutions like checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. We understand that in today's fast-paced world, accessibility is key. That's why we offer online and mobile banking services that allow you to manage your finances anytime and anywhere. Our commitment to ADA compliance ensures that all members have equal access to our facilities and services.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated near local landmarks, our branch is easy to find and reach. We offer ample parking for all our visitors, ensuring that your visit is hassle-free. The building is fully accessible, featuring ADA-compliant ramps and entrances so everyone can enjoy our services comfortably.

Operating Hours and Services

Our friendly team is available Monday through Friday from 9:00 AM to 5:00 PM, ready to assist you with everything from personal banking needs to loan inquiries. We provide a variety of services including checking and savings accounts, auto loans, mortgages, and more. Plus, with our drive-thru banking option and ATM availability on-site, managing your finances has never been easier. While members can visit us at Po Box 867 for all their banking needs, official correspondence should be sent to the same mailing address. If you have any questions or need assistance before your visit, don't hesitate to give us a call at 979-316-4833. At Old Ocean Federal Credit Union, we prioritize your financial well-being and strive to make your banking experience as smooth as possible. Come see us today we look forward to serving you!

Member Eligibility

At Old Ocean, we believe that becoming a member is like joining a close-knit family where everyone supports one another. If you live, work, worship, or go to school in the Sweeny area, you're likely eligible for membership! We welcome individuals who share our values and are ready to take advantage of the many benefits we offer, such as competitive loan rates and personalized service. To learn more about the specific eligibility requirements, you can check out this detailed resource: https://oofcu.org/about-us/mission-statement-membership/ . Opening an account with us is simple and convenient! You can easily apply online by visiting https://oofcu.org/apply-online/membership-application/ or feel free to give us a call at (979) 316-4833 if you have any questions. We're here to help you every step of the way as you join our community at Old Ocean, located at Po Box 867 Sweeny Tx 77480. Let's embark on this journey together!

Business Banking & Commercial Services

Commercial Loan Options

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

In addition to loans, we offer merchant services that make transactions easier for your business. Picture this: a customer walks into your store, makes a purchase, and with our quick payment processing, they can pay using their card or mobile wallet seamlessly. This not only enhances their shopping experience but also helps you keep track of sales efficiently. Located at Po Box 867 Sweeny Tx 77480, Sweeny, TX, our team is ready to assist you. Contact us at (979) 316-4833 to learn more about how we can help your business grow!

Comprehensive List Of Services

Convenient Access

At Old Ocean, we prioritize convenience. Our ATM & Cash Withdrawal Services ensure that you have access to your money whenever you need it, whether it's through our network of ATMs or at our branch's drive-thru service for quick transactions like deposits and withdrawals.

Credit Cards and Business Banking

Additionally, our Credit Cards with Rewards program offers benefits that suit your lifestyle while allowing you to earn rewards on every purchase. For small business owners, our Business Banking services, including Merchant Services and Business Loans, provide the support needed to grow and thrive in today's competitive market.

Financing Options

When it comes to financing, Old Ocean has you covered. Our Auto Loans & Vehicle Financing options allow you to drive away in the car of your dreams with competitive rates and flexible terms. Need a home? Our Mortgage Loans & Refinancing services are here to guide you through the process of purchasing or refinancing your property, ensuring that you find the best fit for your budget. For those unexpected expenses or projects, consider our Personal Loans & Debt Consolidation options. We understand that life can be unpredictable, and having access to cash when you need it most can make all the difference.

Join Us Today!

With a commitment to community and member service, we invite you to explore everything Old Ocean Federal Credit Union has to offer. If you're ready to take control of your finances or simply want more information about our services, feel free to give us a call at (979) 316-4833. We look forward to serving you soon! Explore more about how we can assist you by visiting our website at https://oofcu.org/ . Your journey toward better financial health starts here!

Personal Banking Solutions

Starting with personal banking, we offer Checking & Savings Accounts that are designed to help you manage your daily finances while earning interest on your savings. Imagine having access to your funds anytime, anywhere through our user-friendly Online & Mobile Banking platforms. You can easily check balances, transfer money, and even make payments right from your smartphone!

Digital & Online Banking

At Old Ocean, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your lifestyle. With our user-friendly platform, you can bank anytime, anywhere, ensuring you have real-time access to your accounts. One of the key features of our online banking is the ability to view e-statements. This allows you to keep track of your transactions without the hassle of paper statements. Plus, with electronic signature authorization, signing documents is a breeze no more printing or mailing forms! You can get things done quickly and securely right from your device. Our mobile application enhances your banking experience even further. With this app, you can make mobile payments effortlessly, allowing you to pay for purchases with just a tap. Whether you're splitting a dinner bill with friends or sending money to family through person-to-person transfers, our services make transactions straightforward and convenient. We are proud to offer 24/7 online banking services at https://oofcu.org/ . This means you can check your balance, transfer funds, or pay bills whenever it suits you day or night. No matter where life takes you, managing your finances has never been easier. With these digital tools at your fingertips, you'll find that banking with Old Ocean is not only accessible but also tailored to meet your needs in today's fast-paced world. Join us today and experience the convenience and security that our digital and online banking services provide!

Financial Strength

Growing Member Base

We are proud to serve a growing community with a total of 6,188 share accounts. This strong member base shows the trust you place in us to handle your finances responsibly. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Old Ocean is your trusted partner. Visit us at Po Box 867 Sweeny Tx 77480 or call (979) 316-4833 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

Your savings are secured through $599,444 in share certificates, providing you with stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our ability to generate income is robust; our $765,966 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 10 full-time employees and 0 part-time employees who are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Growth

With $6,734,735 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is reflected in the $312 in used auto loans and $15,555,156 in total loans and leases. This lending capacity supports your financial goals across various sectors.

Strong Financial Health

With a net worth of $7,668,201, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,888 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 $7,958,897 in used vehicle loans and $2,244,100 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have flexible options tailored to your needs.

Credit Lines

For those looking for additional flexibility in managing expenses, our credit lines total $1,750,000. This option is ideal for unexpected costs or planned purchases where you want the freedom to borrow as needed without having to apply for a new loan each time. If you're considering refinancing any existing debts or exploring eligibility options for our loan products, our team is ready to assist you. We prioritize transparency and will walk you through every step of the process. Remember that all 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 invite you to visit us online at Old Ocean Federal Credit Union for more information about how we can help meet your financial needs today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien Family Property loans totaling $0, we are here to guide you through your home financing journey when you're ready.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $598,011 in loans helping members manage their finances effectively. These cards come with competitive rates and no hidden fees to provide peace of mind while you spend.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing its data 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 commitment to sourcing means that users can trust they are seeing fair and transparent offers. One key benefit of using LendMesh is its focus on verified data. Loan offers come only from legitimate financial institutions, ensuring that users have access to trustworthy information. Additionally, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions. This commitment allows for truly unbiased results that empower users to make informed decisions. With real-time rate comparisons, LendMesh keeps its information up-to-date, allowing users to find the best deals available across multiple institutions quickly. 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!" 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.

OLD OCEAN FEDERAL CREDIT UNION