Port Arthur Teachers Credit Union TX | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Port Arthur Teachers, where we believe in building a brighter financial future for our community. Located at 3501 Ssgt Lucian Adams Drive, Port Arthur, TX 77642, our credit union has been serving members since 1953. With over 3,133 members and total assets exceeding $34,877,580, we pride ourselves on being a trusted financial partner for families and educators alike. While you can visit us at our branch address for personal assistance, please note that any official correspondence should be directed to the same address: 3501 S/SGT LUCIAN ADAMS DRIVE, PORT ARTHUR, TX 77642. Our team is dedicated to providing excellent service during our operating hours from 11:00 AM to 2:00 PM on weekdays. Under the leadership of our CEO, Cindy Drummond, and Board President, Charles Trahan, we focus on offering a wide range of financial services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to support your financial goals. With total deposits amounting to $2,252,844 and a strong net worth of $5,101,990, we are committed to maintaining a healthy financial standing that benefits all our members. Our dedicated staff of 11 employees is ready to assist you with any questions or services you may need. We invite you to explore the many ways we can help you achieve your financial dreams. Visit us today or call us at 409-984-7851 for more information about our offerings or how to become a member. Together, let's build a stronger community!

Branch History & Mission

A Legacy of Service

Since opening our doors nearly 70 years ago, we have adapted to meet the changing needs of our members. We've embraced advancements in technology by providing online and mobile banking options while ensuring accessibility through ADA compliance. Although we currently do not offer ATM or drive-thru services, our branch's operating hours from 11:00 AM to 2:00 PM during school sessions allow us to focus on providing dedicated service when it's most needed.

Community Connections

Port Arthur Teachers believes in building strong relationships within the community. We collaborate with local organizations and schools to provide resources and support that foster educational opportunities. Our team is passionate about making a difference in people's lives by offering financial literacy programs that equip individuals with essential skills for better money management. As we look towards the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of Port Arthur Teachers where your financial well-being is our top priority. Whether you're looking for reliable banking options or seeking assistance with your financial goals, we're here for you every step of the way. To learn more about how you can become a member or access our services, please visit us online at patfcu.org or call us at 409-984-7851 today!

Our Mission

The mission of Port Arthur Teachers is simple yet powerful: to provide personalized financial services that empower our members to achieve their dreams while fostering community support and growth. We are dedicated to offering a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our commitment extends beyond just banking; we actively engage in community outreach programs that help uplift those around us.

Branch Location & Accessibility

Welcome to Port Arthur Teachers, your friendly neighborhood credit union located at 3501 Ssgt Lucian Adams Drive in Port Arthur, Texas. We're proud to serve our community with convenience and dedication. Situated near the bustling Memorial High School, our branch is easily accessible for students, parents, and local residents alike. At Port Arthur Teachers, we understand that your time is valuable. That's why we offer operating hours during school sessions from 11:00 AM to 2:00 PM on weekdays, making it easier for you to manage your banking needs around your busy schedule. Our team is here to assist you with personal banking services like checking and savings accounts, auto loans, mortgage loans, and much more. While members can visit us at 3501 Ssgt Lucian Adams Drive, official correspondence should be sent to the same address. We ensure that our branch is welcoming and accessible for everyone, featuring ADA-compliant entrances and ample parking space. Though we currently do not have ATM or drive-thru services available, our dedicated staff is ready to help you in person during our lobby hours. Whether you need assistance opening an account or exploring loan options, just give us a call at 409-984-7851 we're happy to help! Join us at Port Arthur Teachers today and experience the difference of community-focused banking!

Member Eligibility

At Port Arthur Teachers, we believe in building a welcoming community where everyone feels at home. If you're interested in joining us, it's quite simple! Membership is open to those who live, work, or attend school in the Port Arthur area. This means that if you're part of our vibrant local community, you can easily become a member and enjoy all the benefits we offer. Becoming part of Port Arthur Teachers not only gives you access to a range of financial services tailored to your needs but also connects you with a supportive network that truly cares about your financial well-being. To get started on your membership journey, just visit us at 3501 Ssgt Lucian Adams Drive Port Arthur Tx 77642 or give us a call at (409) 984-7851. For more detailed eligibility requirements, feel free to check out our resource page. When you're ready to open an account, you can conveniently apply online through this link: https://securecuonline.com/patfcu/loanapp.aspx. We can't wait to welcome you to our family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services simplify payment processing so you can focus on what matters most running your business. Imagine easily accepting credit card payments at your shop or having the tools needed for online transactions. With us by your side, managing finances becomes hassle-free. Located conveniently at 3501 Ssgt Lucian Adams Drive, Port Arthur, TX 77642, we are here to partner with you in driving your business forward. Reach out to us at 409-984-7851 to learn more about how we can assist you today!

Tailored 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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. While we currently have an outstanding commercial loan portfolio of $0, we are eager to assist local entrepreneurs in financing their visions.

Comprehensive List Of Services

Convenient Access Anytime

With all these services available at your fingertips through our online banking system, managing your finances has never been easier. Plus, if you ever need assistance or have questions, don't hesitate to call us at (409) 984-7851 during our lobby hours from 11:00 AM to 2:00 PM during school sessions. At Port Arthur Teachers, we are committed to building lasting relationships with our members by providing personalized service and reliable financial products. Explore how we can assist you today! Visit us online at Port Arthur Teachers Fcu - Memorial High School or stop by our branch in person we look forward to serving you!

Credit Cards and Business Banking

Looking for a credit card? Our Credit Cards with Rewards let you earn while you spend, making every purchase more rewarding. For entrepreneurs and business owners, we offer comprehensive Business Banking services including merchant services and business loans. We understand that running a business comes with its own set of challenges, and we're here to provide the financial support needed to thrive.

Loans for Every Need

When it comes to financing, Port Arthur Teachers has you covered. Our Auto Loans & Vehicle Financing options allow you to drive away in your dream car without breaking the bank. We also provide Mortgage Loans & Refinancing services, making it easier for you to own a home or reduce your monthly payments on an existing mortgage. If you're facing unexpected expenses or need to consolidate debt, our Personal Loans & Debt Consolidation solutions are designed to help you regain control of your finances.

Personal Banking Solutions

Starting with personal banking, we offer Checking & Savings Accounts that make managing your money easy and efficient. You can access your funds anytime through our Online & Mobile Banking services. Imagine being able to transfer money or check your balance from the comfort of your home or on-the-go it's all possible with our user-friendly digital platform.

Digital & Online Banking

Key Features

Our online banking services are designed with you in mind. You can check balances, transfer funds, and even set up automatic payments all from the comfort of your home or on the go. If you prefer to manage your finances through your smartphone, our mobile application is ready for download, giving you access to all the features you need right at your fingertips. One of the standout features is our person-to-person transfers. Need to send money to a friend? It's quick and easy with just a few taps on your phone. And if you're looking for hassle-free document handling, we provide electronic signature authorization, allowing you to sign documents securely without needing to visit a branch.

Safety and Accessibility

Your security is our top priority. Our online banking system employs robust security measures to keep your information safe while providing easy navigation for an enjoyable user experience. You can also opt for e-statements, which not only helps in reducing paper clutter but ensures that your statements are just a click away whenever you need them. With 24/7 online banking services, managing your account has never been more flexible. Whether it's checking recent transactions or reviewing account history, everything is readily available, making it simple for you to stay informed about your financial situation. At Port Arthur Teachers, we're committed to providing modern banking solutions that fit seamlessly into your life. Explore all that digital banking has to offer by visiting us online today!

Financial Strength

At Port Arthur Teachers, 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 proud to provide a strong foundation for your financial needs, ensuring that you can save, borrow, and plan with confidence. Our net worth of $5,101,990 demonstrates our robust financial health, which empowers us to offer better rates, lower fees, and enhanced member services. With a net worth ratio of 14.63%, we have built a solid capital base that guarantees our ability to continue providing loans and competitive savings rates, even during uncertain economic times. Members' savings are secured through $715,501 in share certificates and $5,042,806 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 $4,967,741 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our lending capacity is evident with $277 in used auto loans and $9,512,418 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency is reflected in our net income of $114,936, enabling us to consistently offer competitive loan rates and solid financial products tailored for our members. We also take pride in having 10 full-time employees and 1 part-time employees who are always ready to assist you with knowledgeable service. Total Share Accounts stand at 5,076, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $0, further enhancing our ability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Port Arthur Teachers is your trusted partner. Visit us at 3501 Ssgt Lucian Adams Drive Port Arthur Tx 77642 or call (409) 984-7851 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 $4,376,853 in used vehicle loans and $2,058,566 in new vehicle loans already helping members get on the road. We provide flexible financing options, making it easier than ever to find the perfect vehicle that fits your budget.

Credit Lines

For those who need extra flexibility, our credit lines totaling $1,500,000 provide access to funds when you need them most. Whether it's for unexpected expenses or planned purchases, having a credit line can give you peace of mind.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0, which can help you secure your dream home without the hassle often associated with traditional lenders.

Refinancing Options

If you're looking to lower your monthly payments or take advantage of better interest rates, consider our refinancing options. We are committed to finding solutions that fit your needs and improve your financial situation. At Port Arthur Teachers, we're more than just a financial institution; we're a community partner dedicated to supporting our members' journeys toward financial well-being. Explore all that we have to offer and see how we can help you today! 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 Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $1,054,890 in loans helping members manage their finances effectively. Our cards come with competitive rates and rewards programs designed to benefit our members.

Loan Aggregator

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PORT ARTHUR TEACHERS FEDERAL CREDIT UNION - Port Arthur, TX

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