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

Introduction

Welcome to the Public Employees Credit Union, your trusted partner in financial well-being since 1952. Located at 306 E 10th St, Austin, TX 78701, we are dedicated to serving our members with integrity and commitment. With a robust membership of 22,333 and total assets amounting to an impressive $422,959,049, we pride ourselves on being a reliable resource for all your banking needs. At Public Employees, we believe in building strong relationships within our community. Our mission is not only to provide exceptional financial services but also to empower our members through knowledge and support. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking solutions, we've got you covered. Under the leadership of CEO Gary Whitcomb and Board President Claire McGuinness, our team of 68 employees is always ready to assist you. We understand that each member's financial journey is unique, which is why we offer personalized services designed to meet your specific goals. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2205, Austin, TX 78768-2205. With total deposits reaching $72,034,535 and cash in hand amounting to $1,890,032, we maintain a strong foundation to support your financial aspirations. Our commitment to excellence has helped us achieve a net worth of $55,449,606, ensuring stability and growth for our members. We invite you to discover the difference at Public Employees Credit Union. For more information or assistance, please reach out to us at 512-474-1955 or visit our website at pecutx.org. Join us today and take the first step towards a brighter financial future!

Branch History & Mission

Join Us!

While you can visit us at 306 E 10th St, all official correspondence should be directed to PO Box 2205, Austin, TX 78768-2205 if needed. Our dedicated team is always ready to assist you at 512-474-1955. We invite you to become part of the Public Employees family where your financial health is our priority! Join us today and experience the difference that a member-focused credit union can make in your life!

Our Mission

At Public Employees, our mission is simple yet profound: to empower our members through excellent service and responsible financial practices while contributing positively to the community. We believe everyone deserves access to quality financial resources tailored to their needs. We are committed to fostering relationships built on trust and transparency. We recognize the importance of accessibility in today's world. That's why we've embraced modern technology by offering online banking services, mobile applications, and ATMs readily available at our branch. Our operating hours are designed with you in mind: Monday through Friday from 7 AM to 6 PM for lobby services and Saturday from 9 AM to 1 PM for drive-thru convenience.

Our Story

From our humble beginnings, Public Employees has evolved significantly over the decades. We began with a simple goal: to help our members achieve their financial dreams. As we expanded, so did our services. Today, we offer everything from checking and savings accounts to auto loans, mortgages, and business banking solutions. With total assets reaching an impressive $422,959,049, we are proud to be a solid financial foundation for our members. Our branch is more than just a place to conduct transactions; it's a hub for community connection. We understand that financial wellness goes hand-in-hand with community support. That's why we actively engage in outreach programs and partnerships that uplift our members and enhance their lives. Whether through educational workshops or community events, we strive to make a positive impact beyond banking.

Branch Location & Accessibility

Convenient Access and Features

We understand that convenience is key. That's why we offer ample parking options nearby and ensure our facilities are fully ADA compliant for easy access. Our drive-thru service is available for quick transactions, allowing you to manage your banking without leaving your vehicle. Plus, we have an ATM on-site for added convenience perfect for those times when you need cash on the go.

Friendly Call-to-Action

We encourage you to stop by and experience our welcoming atmosphere firsthand! If you have any questions or need assistance before your visit, feel free to call us at 512-474-1955. We look forward to serving you at the Public Employees branch!

Operating Hours

Our lobby hours are designed to fit your busy schedule. We're open from 7 AM to 6 PM on weekdays and invite you to take advantage of our drive-thru services on Saturdays from 9 AM to 1 PM. Whether you want to open a new account or discuss loan options, our friendly staff is here to help during these hours.

Member Eligibility

At Public Employees, we're excited to welcome you into our community! Becoming a member is an opportunity to join a supportive network that prioritizes your financial well-being. If you're looking to become part of our family, you'll be pleased to know that eligibility is quite accessible. Generally, if you are employed by a public agency or organization, you can easily qualify for membership. This includes employees of local, state, and federal government entities. We also extend our membership to the family members of current members. If you're curious about the specific criteria or want the latest updates, feel free to visit our detailed eligibility page at . Getting started with your membership at Public Employees is straightforward! Once you confirm your eligibility, all you need to do is head over to our branch located at 306 E 10Th St Austin Tx 78701, or give us a call at (512) 474-1955 for assistance. Our team is here to help guide you through the process of opening an account and answer any questions you may have along the way. Join us today and discover the many benefits we offer, from personalized service to competitive rates on loans and savings accounts!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine running a busy café where customers can easily pay with their cards or mobile devices, allowing you to serve more people efficiently. Our merchant services ensure you get paid quickly and securely, letting you focus on what really matters growing your business. Visit us at 306 E 10Th St Austin Tx 78701 in Austin, TX, or call us at (512) 474-1955 to learn how we can partner with you on your business journey!

Tailored Lending Solutions

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.

Comprehensive List Of Services

Business Banking Services

For small business owners, our Business Banking services, including merchant services and business loans, provide the support you need to grow and succeed. We are committed to helping local businesses thrive by offering tailored banking solutions that fit their specific needs.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our Online & Mobile Banking features. You can easily access your accounts from anywhere check balances, transfer funds, or pay bills all from the comfort of your home or on-the-go using our user-friendly mobile app. Additionally, our ATM & Cash Withdrawal Services ensure you have access to your money whenever you need it. With multiple ATMs available and basic drive-thru banking for simple transactions like deposits and withdrawals, we make banking accessible and straightforward.

Financial Support and Credit Options

Life can sometimes throw unexpected expenses your way. With our Personal Loans & Debt Consolidation, you can manage those costs effectively. Our loans are designed with favorable terms that help ease financial burdens while maintaining your peace of mind. In addition, we offer Credit Cards with Rewards, which allow you to earn points on everyday purchases. It's a great way to make the most out of your spending while enjoying added benefits.

Get Started Today!

At Public Employees in Austin, TX, we pride ourselves on being more than just a credit union; we are a partner in your financial journey. If you're ready to explore how our comprehensive services can enhance your financial well-being, give us a call at 512-474-1955 or visit us in person! We're excited to assist you on your path toward financial success.

Personal Banking Solutions

We understand that managing your finances can be challenging. That's why we offer Personal Banking services that include checking and savings accounts designed to help you save for future goals. Whether you're looking to open your first account or need a reliable place for your daily transactions, we've got you covered. If you're thinking about buying a car, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms that suit your budget. We aim to make the process smooth, so you can get behind the wheel without unnecessary stress. For those considering home ownership, our Mortgage Loans & Refinancing services offer personalized solutions tailored to your unique situation. Our team is here to guide you through every step, ensuring you find a mortgage that works for you.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the ability to use electronic signatures. This means you can sign documents quickly and securely without the need for paper forms. Plus, our e-statements provide a convenient way to keep track of your finances while reducing clutter. Our mobile application makes banking even simpler. Whether you're at home or on the go, you can access all your banking needs right from your phone. And if you want to send money to friends or family, our person-to-person transfer feature lets you do that with just a few taps.

Security and Accessibility

We prioritize your security and privacy. Our online banking platform uses advanced security measures so you can bank with peace of mind. Additionally, our services are user-friendly, making it easy for anyone to navigate their accounts without confusion. No matter what time it is or where you are, you have real-time access to your accounts at Public Employees. We believe that banking should be straightforward and accessible for everyone. Experience the convenience of our digital services today!

Financial Strength

Commitment to Growth

Our $55,302,381 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,685 in used auto loans and $226,408,786 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

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 Position

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.

Trust from Our Members

We value the trust placed in us by our growing member base. With a total of 35,456 share accounts, it's clear that many choose Public Employees 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 306 E 10Th St Austin Tx 78701 or call (512) 474-1955 to learn more about how we can help you achieve your financial goals. For performance insights and financial data 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. We currently have 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 brand-new vehicle or a reliable used one, our flexible terms can make it easier for you to get behind the wheel.

Credit Lines

Our total credit lines amount to $35,000,000, providing an additional resource for those who may need quick access to funds for unexpected expenses or planned purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $102,950,486, making buying or refinancing simple. We aim to provide straightforward solutions so you can focus on settling into your new space rather than worrying about complicated paperwork.

Refinancing Options

If you're considering refinancing any of your current loans, we can assist you with that too. Our team is ready to help you explore options that might better suit your financial situation and potentially lower your monthly payments. For more information about our loan offerings or to discuss eligibility options, feel free to reach out at (512) 474-1955. We're located at 306 E 10Th St Austin Tx 78701, Austin, TX, and our friendly staff is eager to assist you with any questions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Public Employees, we're here to help empower your financial future!

Unsecured Credit Card Loans

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. These cards are designed to give you the spending power you need without tying up your assets.

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. By gathering data directly from banks and credit unions that adhere to National Credit Union Administration (NCUA) lending standards, LendMesh ensures that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). LendMesh prioritizes accuracy in loan comparisons through several key practices. First, all loan data is sourced from legitimate financial institutions. This commitment to verified data enhances transparency and builds trust among users looking for the best possible loan options. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. The goal here is simple: provide unbiased results so users can make informed choices without any hidden agendas. With real-time rate comparisons, LendMesh keeps users updated with the latest loan rates from multiple institutions. This feature empowers individuals to evaluate their options effectively and select loans that suit their financial needs. Thousands of users have benefited from this service. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" For those seeking clarity and reliability in their borrowing decisions, LendMesh stands out as a trusted tool. 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.*