Port Arthur Community Credit Union TX | Best Auto Loans & Business Banking

Introduction

Welcome to Port Arthur Community, your trusted financial partner located at 3100 Central Mall Dr, Port Arthur, TX 77642. Since our establishment in 1950, we've been dedicated to serving our community with integrity and commitment. With over 2,034 members, we pride ourselves on building lasting relationships and providing personalized services tailored to meet your financial needs. At Port Arthur Community, we understand that every member's journey is unique. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, credit cards with rewards, and business banking solutions. Our total assets of $19,807,517 reflect our strong foundation and ability to support you in achieving your financial goals. We are proud to say that our total deposits stand at $1,514,031, showcasing the trust our members place in us. Under the leadership of CEO Sabrina Miguez and Board President Gene Christian, our team of 12 dedicated employees is here to ensure you receive exceptional service each time you visit or reach out. While members can visit us at our branch for assistance with transactions or inquiries, official correspondence should be sent to the same address: 3100 Central Mall Drive, Port Arthur, TX 77642. If you have any questions or need further information about our services, don't hesitate to give us a call at 409-729-7938. Join us today as we continue our mission to provide reliable financial services while making a positive impact on our community. Your journey towards better financial health starts here at Port Arthur Community! For more information about what we offer and how we can help you thrive financially, please visit us online at [http//www.pac-fcu.com](http//www.pac-fcu.com).

Branch History & Mission

At Port Arthur Community, we take pride in our rich history and unwavering commitment to our members and the community of Port Arthur, TX. Established in 1950, our branch has grown from humble beginnings into a trusted financial institution that serves over 2,034 members today. With total assets reaching $19,807,517, we are dedicated to providing exceptional service and support for all your banking needs. Located at 3100 Central Mall Dr, Port Arthur, TX 77642, our branch is easily accessible for local residents. Whether you're visiting us for personal banking services or community events, you'll find a welcoming atmosphere that reflects our mission. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM for lobby access. Our mission at Port Arthur Community is simple yet impactful: to empower individuals and families by providing reliable financial services while fostering a sense of community. We understand that banking goes beyond transactions; it's about building relationships and supporting one another. Our services range from checking and savings accounts to auto loans, mortgages, credit cards with rewards, and business banking solutions. As we have evolved over the years, we've embraced digital advancements to better serve our members. Our online and mobile banking platforms make it easy to manage your finances anytime, anywhere. Plus, with features like ATM availability and drive-thru banking options, we ensure that accessing your money is as convenient as possible. Community outreach is at the heart of what we do. We actively participate in local events and initiatives aimed at enhancing the quality of life in Port Arthur. By partnering with local organizations and supporting charitable causes, we strive to give back to the very community that has supported us throughout our journey. While you can visit us at our branch for all your banking needs, official correspondence should be sent to 3100 Central Mall Drive, Port Arthur, TX 77642 if different from our branch address. We invite you to join the Port Arthur Community family. Experience firsthand how we can help you achieve your financial goals while being part of a supportive network focused on growth and prosperity. Call us today at 409-729-7938 or visit our website at http://www.pac-fcu.com to learn more about becoming a member!

Branch Location & Accessibility

Accessibility and Features

At our branch, you'll discover ample parking and features that ensure everyone can access our services comfortably. We take pride in being ADA-compliant, providing ramps and other accessibility options for our members. Whether you're stopping by for a quick transaction or need assistance with more complex banking services, our team is here to help.

Connect With Us

We invite you to stop by and see how we can assist you! For any questions or immediate assistance, feel free to call us at 409-729-7938. At Port Arthur Community FCU, we are committed to serving our community with dedication and care. We look forward to welcoming you soon!

Operating Hours

We understand your time is valuable. That's why we offer flexible operating hours designed to fit your schedule. Our lobby is open Monday through Friday from 9 AM to 5 PM, with Saturday hours from 9 AM to 12 PM for those weekend errands. If you're in a hurry, take advantage of our drive-thru service available until 6 PM on weekdays!

Services Offered

Port Arthur Community FCU provides a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we aim to make your banking experience smooth and straightforward. Plus, with ATM access available on-site, you can easily manage cash withdrawals or balance checks anytime. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address: 3100 Central Mall Drive, Port Arthur, TX 77642.

Member Eligibility

At Port Arthur Community, we believe that everyone deserves a supportive community where their financial needs are understood and met. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in the Port Arthur area, you're likely eligible to join us! We invite you to explore the many benefits of membership, including personalized banking services, competitive loan rates, and a commitment to your financial well-being. For detailed eligibility criteria and to ensure you qualify, please check out our resource. Ready to take the next step? Opening an account is straightforward and can be done in person at our branch located at 3100 Central Mall Dr Port Arthur Tx 77642 or by giving us a call at (409) 729-7938. Join us today and discover how Port Arthur Community can help you achieve your financial goals!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support you need to take your business to the next level. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we're ready to assist when the time is right for you. Our goal is to empower local businesses by providing flexible financing solutions that can be used for expansion, equipment purchases, or operational costs.

Merchant Services

In addition to loans, we offer essential merchant services designed to streamline your transactions. Whether you're a retail shop on Main Street or an online service provider, our tools make accepting payments easy. You can quickly process credit card payments or manage cash flow all from one platform. This not only saves you time but also enhances customer satisfaction by providing multiple payment options. If you're looking for a financial partner who genuinely cares about your success, visit us at 3100 Central Mall Dr Port Arthur Tx 77642 in Port Arthur, TX. Let's work together to build a stronger future for your business! For more information, call us at (409) 729-7938 or check out our website at [http//www.pac-fcu.com](http//www.pac-fcu.com).

Comprehensive List Of Services

Additional Loan Options

Need some extra cash? Our Personal Loans & Debt Consolidation options provide a safety net when unexpected expenses arise. Whether it's for a vacation or consolidating debt into manageable payments, we're here to help you navigate your financial needs without stress. For those who enjoy rewards for their spending, our Credit Cards with Rewards offer fantastic benefits that can enhance your purchasing power while giving back something in return.

Always Here for You

Our dedicated team is available during operating hours from Monday through Friday from 9 AM to 5 PM and on Saturday from 9 AM to 12 PM. You can reach us at (409) 729-7938 if you have any questions or need assistance. In today's fast-paced world, having reliable banking solutions makes all the difference. At Port Arthur Community, we're committed to providing services that empower our members financially while ensuring ease of access through digital banking features. Ready to explore how we can support your financial journey? Visit us at Port Arthur Community Fcu today!

Business Banking Services

If you're a business owner, you'll appreciate our comprehensive Business Banking services. We provide essential tools like merchant services and business loans to help your company thrive in today's competitive market.

Convenient Access to Funds

Accessing your money should be hassle-free. At Port Arthur Community, we offer convenient ATM services for easy cash withdrawals and balance checks. Additionally, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car perfect for those busy days.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services, including checking and savings accounts that fit your lifestyle. Imagine having a place where you can easily deposit your paycheck and save for future goals. With our user-friendly online and mobile banking platforms, you can access your accounts anytime, anywhere. You can even make transfers or check balances right from your smartphone. When it comes to financing a new vehicle, our Auto Loans & Vehicle Financing options make it simple and straightforward. Picture yourself driving off in the car of your dreams with flexible repayment plans tailored just for you. If you're thinking about homeownership or refinancing, our Mortgage Loans & Refinancing services are here to guide you through every step of the process.

Digital & Online Banking

Accessible Online Services

With our 24/7 online banking platform available at http//www.pac-fcu.com, you can check your account balance, transfer funds, and pay bills anytime you need. We know how important it is for you to have real-time access to your money, so our user-friendly interface allows you to navigate effortlessly through your banking tasks.

Mobile Application Convenience

For those who prefer mobile banking, our dedicated mobile application is here to help. With just a few taps on your smartphone, you can manage your accounts from anywhere. You'll love the ease of making person-to-person transfers or checking balances while waiting in line or commuting.

Security You Can Trust

At Port Arthur Community, protecting your information is our top priority. Although we do not currently offer electronic signature authorization, rest assured that all transactions conducted through our online services are secure and monitored closely. In summary, whether you're using our online banking services or our mobile app, Port Arthur Community offers the tools you need to manage your finances with confidence. Join us today and experience the ease and convenience of modern banking!

Stay Organized with E-Statements

Say goodbye to paper clutter! Our e-statements feature lets you view your account statements electronically. This not only helps you stay organized but also enhances security by reducing the risk of identity theft associated with paper statements.

Financial Strength

At Port Arthur Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation to support your needs and goals. With a net worth of $2,756,823, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.87% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $3,599,670 in share certificates and $823,312 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. With $2,689,823 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident as we have $284 in used auto loans and $13,739,765 in total loans and leases, supporting our members' financial goals across various sectors. Our operational efficiency is reflected in our $-$50,393, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 3,665, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Port Arthur Community is your trusted partner. Visit us at 3100 Central Mall Dr Port Arthur Tx 77642 or call (409) 729-7938 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,477,271 in used vehicle loans and $3,211,662 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make your auto financing straightforward and affordable.

Business Loans

For business owners, while we currently do not have outstanding commercial loans available at this time, our focus remains on providing support for local businesses through various financial products as they become available.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. Although we currently do not have mortgage loans available, we are here to help guide you through the process when you're ready.

Personal Lending Options

We also offer personal loans and debt consolidation options tailored to fit your lifestyle. Whether you're looking for an unsecured credit card loan or need assistance with unexpected expenses, our flexible terms on unsecured credit card loans amounting to $515,987 can help you manage your finances effectively.

Refinancing and Eligibility

If you're considering refinancing any existing loans or exploring eligibility options for our products, we're here to assist you every step of the way. Don't hesitate to reach out for personalized guidance. Our team at Port Arthur Community is dedicated to ensuring that you have access to the financial tools needed for success. If you have any questions or want to learn more about our loan offerings, feel free to call us at 409-729-7938 or visit us at 3100 Central Mall Dr., Port Arthur TX 77642. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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PORT ARTHUR COMMUNITY FEDERAL CREDIT UNION - Port Arthur, TX

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