Public Employees Credit Union Austin TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Public Employees, your trusted financial partner located at 15800 Ranch Road 620 N, Austin, TX 78717. Since our establishment in 1952, we have proudly served over 22,000 members, providing them with a full range of financial services tailored to meet their needs. Whether you're looking for personal banking options, auto loans, or business solutions, we are here to support you every step of the way. At Public Employees, we take pride in our strong financial foundation. With total assets exceeding $422 million and total deposits amounting to $72,034,535, we ensure that your money is secure and working hard for you. Our net worth stands at an impressive $55,449,606, reflecting our commitment to stability and growth within the community. Led by our dedicated CEO, Gary Whitcomb, and Board President Claire McGuinness, our team of 68 employees is passionate about providing exceptional service. We believe in building lasting relationships with our members, helping them achieve their financial goals through personalized assistance. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2205, Austin, TX 78768-2205. We invite you to explore our wide range of services including checking and savings accounts, mortgage loans, credit cards with rewards, and more all designed to make banking easy and accessible. For your convenience, we offer online and mobile banking options along with ATM services. If you have any questions or need assistance, don't hesitate to reach out! You can contact us at 512-474-1955 or visit our website at Public Employees for more information. Join us today and experience the difference of being a valued member of Public Employees Credit Union!

Branch History & Mission

Commitment to Community

At Public Employees, we understand that being a part of a community goes beyond just providing services. We engage in various outreach efforts to uplift those around us. From educational workshops to partnerships with local organizations, we work tirelessly to make a positive impact. While you can visit us at 15800 Ranch Road 620 N, please note that official correspondence should be directed to our mailing address: PO Box 2205, Austin, TX 78768-2205.

Embracing Innovation

We are committed to providing modern solutions for all your banking needs. Our digital services include online banking and mobile applications, allowing you to manage your finances from anywhere. With ADA compliance in mind, we ensure all members can access our services comfortably. Our operating hours reflect our dedication to convenience: Drive-thru service is available Monday through Friday from 7 AM - 6 PM and Saturday from 9 AM - 1 PM. Lobby hours mirror these times for easy access to assistance.

Join Us

As we look toward the future, we invite you to be part of this journey with us. Experience the benefits of becoming a member at Public Employees today! Contact us at 512-474-1955 or visit our website at Public Employees for more information about joining and accessing our range of services. Together, let's build a brighter financial future for Austin!

Our Journey

From humble beginnings, Public Employees has blossomed into a thriving credit union with over 22,000 members and total assets exceeding $422 million. This growth reflects not only our financial stability but also the trust placed in us by our community. We are proud of our history and celebrate the milestones that have shaped who we are today. Our mission is simple yet powerful: to provide accessible financial services while supporting the local community. We believe that when we invest in our members' futures, we also invest in the future of Austin. Whether through personal banking options like checking and savings accounts or lending solutions such as auto loans and mortgages, we strive to empower individuals and families on their financial journeys.

Branch Location & Accessibility

Welcome to the Public Employees located at 15800 Ranch Road 620 N Austin Tx 78717 in beautiful Austin, TX! We are proud to be part of this vibrant community, offering our members a convenient and friendly place to manage their banking needs. Just a short drive from popular local spots, you can easily stop by to speak with our team or use our services. Our branch is designed with accessibility in mind. You'll find ample parking available, and we're equipped with features that ensure everyone can access our services comfortably. If you prefer drive-thru banking, we've got you covered our drive-thru service operates Monday through Friday from 7 AM to 6 PM and on Saturdays from 9 AM to 1 PM. Plus, our lobby hours make it easy for you to visit us during the week from 9 AM to 6 PM and Saturdays from 9 AM to 1 PM. While members can visit us at 15800 Ranch Road 620 N Austin Tx 78717, official correspondence should be sent to our mailing address at PO Box 2205, Austin, TX 78768-2205. If you have any questions or need assistance, feel free to give us a call at (512) 474-1955. At Public Employees, we offer a range of services tailored just for you. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage options, our friendly staff is here to help. And if you're ever on the go, take advantage of our ATM availability for quick withdrawals and balance checks. We invite you to drop by and experience the welcoming atmosphere at Round Rock. Our dedicated team is eager to assist you with all your banking needs!

Member Eligibility

Becoming a member of Public Employees is like joining a family that truly cares about your financial well-being. If you're looking to be part of a supportive community in Austin, you'll find that eligibility is quite straightforward. Typically, those who work for or are retired from public service roles can become members. This includes government employees and certain family members, making it easy for you to get involved. Joining us opens up a world of benefits, from competitive rates on loans and savings accounts to personalized financial guidance tailored just for you. To learn more about the specific eligibility criteria and ensure you meet them, feel free to check out our detailed resource at . Once you're ready, opening an account is simple! Just give us a call at (512) 474-1955, or stop by our branch located at 15800 Ranch Road 620 N Austin Tx 78717. We look forward to welcoming you into the Public Employees family!

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 $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 simplify payment processing for your business. Imagine a busy day at your café when customers are eager to pay. With our reliable payment solutions, you can accept credit and debit cards seamlessly, ensuring quick transactions and satisfied customers. This means more time focusing on what you do best running your business. Visit us at 15800 Ranch Road 620 N Austin Tx 78717 in Austin, TX, or call us at (512) 474-1955 to learn how our business banking solutions can help you achieve your goals!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide tailored solutions including merchant services and business loans. These offerings are designed to help local businesses thrive by simplifying transactions and ensuring access to necessary funding.

Credit Cards with Rewards

We also offer credit cards with rewards that allow you to earn points on everyday purchases. Whether you're buying groceries or planning a vacation, these rewards can add up quickly, giving you more value from your spending.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our robust online and mobile banking features. You can easily manage your accounts from anywhere pay bills, transfer funds, or check balances all at your fingertips. Our ATM services ensure that cash withdrawal is hassle-free, allowing you to access your money anytime.

Drive-Thru Convenience

If you prefer face-to-face interactions without leaving your car, take advantage of our basic drive-thru banking services for deposits and simple transactions. It's perfect for busy days when time is of the essence. As part of our commitment to accessible banking, we encourage you to reach out with any questions or visit us at Public Employees for personalized assistance. Whether you're ready to open an account or just want more information about our offerings, we're here to help! For more details about our services or to connect with us directly, feel free to call us at (512) 474-1955. Experience the difference at Round Rock, where community matters!

Mortgage and Loan Options

For those considering home ownership, our mortgage loans and refinancing services can help turn your dream into reality. We understand how important it is to have the right support when making such a significant investment. If you're facing unexpected expenses or planning a big purchase, our personal loans and debt consolidation options can provide the financial flexibility you need.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your money efficiently. Imagine having an account that not only keeps your funds secure but also earns you interest! Additionally, if you're looking to finance a new car or refinance an existing loan, our auto loans and vehicle financing options make it easy and affordable.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This allows you to sign documents digitally, making processes quicker and easier without the need for paper forms. Additionally, we offer e-statements, so you can keep track of your account activity while reducing paper clutter. For those who enjoy using their smartphones, our mobile application is available for download. It brings all the essential banking features right to your fingertips, including person-to-person transfers. Sending money to friends or family has never been simpler! While mobile payments aren't currently offered at Public Employees, our commitment to providing safe and user-friendly services remains strong. All transactions through our platforms are secured with advanced encryption technology, ensuring that your personal information stays safe. In short, whether you're at home or on the go, Public Employees makes it easy for you to manage your finances efficiently and securely. Experience the convenience of modern banking today by visiting us online!

Financial Strength

A Growing Member Base

We have a strong community backing us with a total of 35,456 share accounts. This reflects the trust that our growing member base places in us as their preferred financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Public Employees is your trusted partner. Visit us at 15800 Ranch Road 620 N Austin Tx 78717 or call (512) 474-1955 to learn more about how we can help you achieve your financial goals.

Commitment to Growth and Innovation

With $55,302,381 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 across various sectors with $1,685 in used auto loans and $226,408,786 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $47,172,412 in share certificates and $113,095,836 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 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 63 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $55,449,606, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,311 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

Additional Financing Options

For those looking for more extensive funding solutions, our total credit lines amounting to $35,000,000 can provide the liquidity you need for larger purchases or investments. We aim to ensure that our members have access to funds whenever they require them. If you're considering refinancing any existing loans or exploring eligibility options for any of our products, don't hesitate to reach out. Our team is equipped with the knowledge and tools necessary to help determine your eligibility and find the best options tailored just for you. For more information about our loan offerings or to discuss your financial needs further, please contact us at (512) 474-1955. You can also visit us at our branch located at 15800 Ranch Road 620 N Austin Tx 78717, Austin, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $37,283,720 in used vehicle loans and $66,438,820 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new vehicle or opting for a reliable used car, our dedicated team is here to guide you through the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $102,950,486, make buying or refinancing simple. We believe that everyone deserves a chance at owning their own home, and our mortgage specialists are ready to assist you every step of the way.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging, but we're here to help. We also offer flexible terms on unsecured credit card loans, with a total of $2,608,378 in loans helping members manage their finances effectively. This option provides you with the freedom to make purchases while keeping your cash flow intact.

Loan Aggregator

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PUBLIC EMPLOYEES CREDIT UNION