Public Employees Credit Union Austin TX | Low Mortgage Rates & Business Banking

Introduction

Welcome to Public Employees, where your financial well-being is our top priority! Located at 1200 W 42Nd St, Austin, TX 78756, our branch has been serving the community since 1952. With a dedicated team of 68 employees, we pride ourselves on offering personalized service and a wide range of financial products tailored to meet your needs. At Public Employees, we believe in building lasting relationships with our members. Our commitment is reflected in our impressive membership of 22,333 individuals who trust us with their financial goals. As of now, our total assets stand at an impressive $422,959,049, showcasing our stability and reliability in the credit union space. We understand that having easy access to your finances is crucial. That's why we offer various services, including checking and savings accounts, auto loans, personal loans, and business banking solutions. You can manage your accounts seamlessly through our online and mobile banking platforms or visit us for in-person assistance. Our lobby hours are convenient for you: open Monday to Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM. While members can visit us at 1200 W 42Nd St, official correspondence should be sent to our mailing address: PO Box 2205, Austin, TX 78768-2205. Under the leadership of CEO Gary Whitcomb and Board President Claire McGuinness, we focus on empowering our members financially. Whether you're looking for assistance with a loan or advice on saving for the future, we're here to help every step of the way. If you have questions or need assistance, don't hesitate to call us at 512-474-1955. We invite you to experience the difference at Public Employees Credit Union where every member matters! For more information about our services or to explore membership options, visit our website at Public Employees. Join us today and discover how we can make a positive impact on your financial journey!

Branch History & Mission

Community Commitment

Our commitment goes beyond banking it's about uplifting the community we serve. We actively engage in local outreach efforts and partnerships that promote financial literacy and support local initiatives. Whether it's hosting workshops or sponsoring community events, Public Employees is dedicated to making a positive impact. For those who prefer face-to-face interactions, we offer drive-thru banking services along with convenient ATM access for quick withdrawals and balance checks. While members can visit us at 1200 W 42nd St, official correspondence should be sent to PO Box 2205, Austin, TX 78768-2205.

Join Us

As we look toward the future, we invite you to become part of our growing family. Experience the benefits of joining Public Employees, where your financial well-being is our top priority. With total assets exceeding $422,959,049, you can trust that your money is safe and sound with us. Call us today at 512-474-1955 or visit our website at pecutx.org to learn more about how we can help you achieve your financial dreams. Together, let's build a brighter future!

Our Mission

At Public Employees, our mission is clear: to provide exceptional financial services while fostering a sense of community among our members. We believe that everyone deserves access to affordable banking solutions that empower them to achieve their financial goals. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we strive to meet the diverse needs of our members. We take pride in being more than just a financial institution; we are your partners in success. Our services extend beyond traditional banking by offering business banking options and online and mobile banking tools designed with your convenience in mind.

Branch Location & Accessibility

Convenience and Accessibility

At Public Employees, we prioritize your convenience. Our location features ample parking and is equipped with ADA-compliant accessibility options, ensuring that everyone can visit us without hassle. If you need to make a quick deposit or withdrawal, our drive-thru service is available during convenient hours. For those who prefer an in-person experience, our lobby is open Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM.

Get in Touch

Ready to learn more? We'd love for you to visit us! Feel free to call us at 512-474-1955 if you have any questions or need assistance before stopping by. Your financial journey starts here at Public Employees where we're dedicated to serving you!

Services Offered

While visiting us at Public Employees, you'll find a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're committed to helping you achieve your financial goals. Plus, enjoy the ease of ATM access for quick cash withdrawals or balance checks. For official correspondence, please note that while members can visit us at the branch address mentioned above, all mail should be directed to PO Box 2205, Austin, TX 78768-2205.

Member Eligibility

Joining Public Employees is like becoming part of a warm, welcoming community where your financial needs are prioritized. To become a member, you simply need to meet some friendly eligibility criteria. If you live or work in the local area, you're likely already on the right track! Additional details about who can join can be found at . The process is straightforward and inviting just visit us at our branch located at 1200 W 42Nd St Austin Tx 78756, or give us a call at (512) 474-1955 if you have questions. Once you're ready to open an account, it's as easy as stopping by our branch or checking out the online resources we provide. We're here to help you with personal banking services, auto loans, and much more all designed with your best interests in mind. Don't hesitate to explore more about membership benefits and account options at our website. We can't wait to welcome you into our community!

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

Imagine running your business without worrying about payment processing. Our merchant services take care of transactions smoothly, allowing you to focus on what you do best serving your customers. From card payments to online invoicing, we offer tools that simplify daily operations and improve cash flow. Visit us at 1200 W 42Nd St Austin Tx 78756 or call us at (512) 474-1955 to learn more about how our business banking and commercial services can empower your success.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're thinking about purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing options provide competitive rates tailored to suit your budget. Picture yourself driving away in your dream car without the stress of overwhelming payments.

Business Banking Services

For our members who run businesses, we offer comprehensive business banking solutions, including merchant services and business loans. We know that managing a business involves juggling many responsibilities; let us take care of the banking side so you can focus on growing your venture.

Convenient Access Services

In addition to these core services, we ensure that accessing your finances is hassle-free. Our facilities include an ATM for quick withdrawals and balance checks, as well as a drive-thru service for deposits and simple transactions without leaving your vehicle. We invite you to explore all the ways Public Employees can serve you better! Your financial journey starts here visit us today or give us a call at 512-474-1955 for more information on how we can assist you in reaching your financial aspirations!

Credit Cards with Rewards

Enjoy shopping while earning rewards with our credit cards! Designed for everyday purchases, they come with perks that make spending feel rewarding. From cash back to travel points, you'll appreciate how easily these cards fit into your lifestyle.

Home Financing Options

Owning a home is a significant milestone, and at Public Employees, we make it easier with our mortgage loans and refinancing options. Our knowledgeable staff will guide you through the process so you can focus on what really matters making your house a home.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for the future, our personal banking services have you covered. We offer checking and savings accounts that fit your lifestyle, making everyday banking simple and convenient. Imagine having easy access to your funds through our online and mobile banking platforms. You can check balances, transfer money, and pay bills from anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Whether it's medical bills or home repairs, our personal loans offer quick access to cash when you need it most. Plus, if you're dealing with multiple debts, consider our debt consolidation services to simplify your payments into one manageable monthly bill.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the availability of e-statements. Say goodbye to paper clutter and hello to a more eco-friendly way of keeping track of your finances. With e-statements, you can easily view your financial history at any time, making it simpler to stay organized. Security is a top priority for us. We offer electronic signature authorization to ensure that your transactions are safe and secure. This means you can sign documents electronically without worrying about potential fraud or identity theft. For those who prefer banking on the go, our mobile application makes it easy to manage your accounts right from your smartphone. Need to send money quickly? Our person-to-person transfer feature allows you to send funds instantly to friends or family with just a few taps. While mobile payments are not currently available at Public Employees, we're committed to continually enhancing our services based on member feedback. For now, enjoy the peace of mind that comes with knowing all your banking needs can be met online or through our app. Experience the ease and accessibility of modern banking with Public Employees where managing your money has never been easier! If you have any questions or need assistance, feel free to reach out at (512) 474-1955. Your financial journey starts here!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 35,456, showing a strong and growing member base that trusts us with their finances. This trust fuels our mission to provide exceptional service tailored to your needs. 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 1200 W 42Nd St Austin Tx 78756 or call (512) 474-1955 to learn more about how we can help you achieve your financial goals.

Members’ Savings Secured

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 operational efficiency is reflected in our $0, which enables 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.

Reinvestment for Better Services

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 commitment is evident as we support your financial goals with $1,685 in used auto loans and $226,408,786 in total loans and leases.

Solid 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

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. We provide flexible terms and competitive rates to make your vehicle purchase easier.

Credit Lines

Our credit lines also stand out with a total of $35,000,000 available. This option allows you to access funds when needed, providing peace of mind for those unforeseen circumstances that life may throw at you.

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 aim to guide you through the process, ensuring you understand all your options.

Refinancing Options

If you're considering refinancing any existing loans, we have options that may suit your situation perfectly. Our knowledgeable team is ready to help you explore eligibility and find the best solution tailored to your financial needs. For more information about our loan products or to get started on an application, feel free to reach out at (512) 474-1955, or visit us at our branch located at 1200 W 42Nd St Austin Tx 78756 in 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. Let us help you take the next step towards achieving your financial aspirations!

Unsecured Credit Card Loans

For those who need extra flexibility, 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 product can be an excellent way to cover unexpected expenses or make everyday purchases without tying up your savings.

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. This tool is designed to help you easily navigate through various loan options without the confusion often associated with searching for the right financial products. LendMesh ensures accurate loan comparisons by sourcing 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 transparency means you can trust that the offers you see are fair and reliable. One of the key benefits of using LendMesh is its Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in your comparisons. Additionally, there are No Sponsored Listings on LendMesh; lenders are not prioritized based on paid promotions. The goal here is straightforward: to provide unbiased results that empower you to make informed decisions. With Real-Time Rate Comparisons, LendMesh updates loan rates from multiple institutions regularly, allowing you to stay informed about current market trends and find the best deals available. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight how effective and user-friendly the service is. 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.

PUBLIC EMPLOYEES CREDIT UNION - Austin, TX