Raiz Credit Union El Paso TX | Quick Personal Loans & Business Banking

Introduction

Welcome to Raiz, your trusted financial partner located at 975 Lomaland Dr, El Paso, TX 79907. Established in 1936, our credit union has been a cornerstone of the community for over 85 years. With a commitment to serving our 74,265 members, we pride ourselves on providing reliable and personalized banking services tailored to meet the unique needs of each member. At Raiz, we understand that banking is more than just transactions; it's about building relationships and enhancing lives. Our total assets of $990,017,143 reflect our stability and ability to support your financial journey. Whether you're seeking personal loans, auto financing, or business banking solutions, we're here to help you achieve your goals. Our leadership team, led by CEO Max Villaronga and Board President Lillian Crouch, is dedicated to ensuring that your experience with us is seamless and beneficial. Together with our team of 241 employees, we work tirelessly to foster a welcoming environment where you can thrive financially. We invite you to visit us at our branch or explore our services online at Raiz. For any inquiries or assistance, feel free to call us at (915) 843-8328. Experience the difference with Raiz where your financial future is our priority!

Branch History & Mission

Join Us Today!

At Raiz, we invite you to experience the difference that a community-focused credit union can make in your financial journey. Whether you're looking for personal loans or business banking solutions, we're here for you every step of the way. Come by our branch or give us a call at 915-843-8328 to learn more about how you can become part of our growing family! Visit us online at raiz.us for more information on membership eligibility and account opening procedures. Together, let's build a brighter future!

Modern Banking Solutions

As part of our commitment to member satisfaction, we continuously enhance our digital capabilities. With online banking options, mobile payments, and person-to-person transfer services available, managing your finances has never been easier or more secure. Our branch is ADA compliant, ensuring everyone can access our services comfortably. For added convenience, we offer ATM access as well as drive-thru banking for quick transactions without leaving your vehicle. While you can visit us at 975 Lomaland Dr, official correspondence should be directed to the same mailing address for clarity.

Our Mission

Raiz is more than just a credit union; we are dedicated to enhancing the lives of our members through accessible financial solutions and unwavering support. Our mission is simple: to empower individuals and families by offering personal banking services that include checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We believe in making banking easy and convenient for everyone. We also recognize the importance of community involvement. Through various outreach initiatives and partnerships, Raiz actively engages with local organizations to support educational programs and other vital community services. We strive to make a positive impact on the lives of those around us.

Branch Location & Accessibility

Accessibility Features

At Raiz, we believe in making banking available for everyone. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure that all members can visit us comfortably.

Call to Action

Ready to experience all that Raiz has to offer? Feel free to call us at 915-843-8328 if you have any questions or just drop by during our operating hours. We look forward to welcoming you into our community and helping you achieve your financial goals!

Convenient Location

Situated in the heart of El Paso County, our Lomaland branch is close to local landmarks that make it easy to find. You can swing by after visiting nearby shops or parks. Plus, we offer ample parking space so you can park with ease while you handle your banking tasks.

Operating Hours

We're here when you need us! Our lobby hours are from 9:00 AM to 5:30 PM on weekdays, making it easy to fit us into your schedule. On Saturdays, our drive-thru service is open from 9:00 AM until 12:00 PM for those who prefer quick transactions.

Services Offered

When you visit us at the Lomaland branch, you'll discover a range of services designed to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need cash? We have an ATM available for quick withdrawals and balance checks right outside our door. While members can visit us at 975 Lomaland Dr for in-person services, official correspondence should be sent to the same address if you need to reach out via mail.

Member Eligibility

At Raiz, we believe that becoming a member means joining a welcoming community dedicated to your financial well-being. If you're ready to experience the benefits of membership, you'll be pleased to know that eligibility is quite inclusive! Generally, anyone who lives, works, or worships in the El Paso area can become a member. This means whether you're a student, professional, or retiree, you likely qualify. The process is straightforward and designed to make you feel right at home. You can find more detailed information about eligibility by visiting our website at http://www.raiz.us/about/become-a-member/. Opening an account with us is just as easy! Simply head over to our account opening page at https://accounts.raiz.us/apply.aspx?lenderref=epfcu072715&list=xasa to get started. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (915) 843-8328. We're here to help you every step of the way and can't wait for you to join our family at Raiz, located at 975 Lomaland Dr El Paso Tx 79907.

Business Banking & Commercial Services

Business Loan Options

Imagine having the funds to invest in new equipment or expand your workspace. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $153 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 $61,509,327, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, accepting payments efficiently can make a significant difference. Our merchant services offer reliable solutions that allow you to process transactions smoothly, whether it's online sales or point-of-sale systems. By partnering with us, you gain access to tools that simplify payment processing, enabling you to focus more on what you do best running your business. Visit us at 975 Lomaland Dr El Paso Tx 79907 in El Paso, TX, or call us at (915) 843-8328 to learn how our business banking and commercial services can empower your enterprise!

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking solutions include merchant services and business loans tailored to help you grow and succeed. We understand that every dollar counts when running a business; hence, we strive to provide resources that allow for smooth operations and future expansion.

Credit Cards

Don't forget about our credit cards! They come with rewards that can enhance your spending power while allowing you to earn perks along the way. Use them for daily purchases or emergencies either way, they provide flexibility when you need it most.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking services empower you to manage your finances from anywhere at any time. You can pay bills, transfer funds, or check your account balance all from the comfort of your home or on the go.

Drive-Thru & ATM Services

Lastly, for those who prefer face-to-face transactions but are short on time, our basic drive-thru banking allows for deposits and withdrawals without leaving your car. Combined with easy ATM access for quick cash withdrawals or balance checks, we're here to ensure that banking fits seamlessly into your busy lifestyle. With so many services designed just for you at Raiz, there's never been a better time to explore what we have to offer. Have questions? Want more information? Don't hesitate give us a call at 915-843-8328 or visit us today! Together, let's achieve your financial goals!

Home Financing

When it comes to home ownership, we understand that securing a mortgage is a significant step. That's why our mortgage loans and refinancing options are structured to support you in achieving your dream home while ensuring manageable payments. Whether you're buying your first house or refinancing an existing loan for better rates, we're here to guide you through the process.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to help you manage your money effectively. Need quick access to cash? With our ATM services, members can withdraw funds and check their balances at any time. For those looking to purchase a vehicle, our auto loans and vehicle financing options make it simple and affordable. Imagine driving off in your dream car with a loan that fits your budget!

Personal Loans

For unexpected expenses or consolidating debt, our personal loans are available at competitive rates. We know life can throw curveballs; having the right financial support can make all the difference. Our team will work with you to find a solution that meets your specific needs.

Digital & Online Banking

E-Statements and Mobile Access

We also provide e-statements for those who prefer a paperless approach. This not only helps the environment but allows you to access your account statements quickly and securely from any device. Plus, our mobile application enhances your banking experience even further. With just a few taps on your smartphone, you can deposit checks, view account activity, and manage payments seamlessly.

Person-to-Person Transfers and Mobile Payments

Need to send money to a friend? Our person-to-person transfer feature lets you do just that with ease. No more fumbling with cash or checks; simply use our app to transfer funds instantly. Additionally, if you're always on the go, our mobile payments feature allows you to make purchases directly from your phone making shopping quick and convenient. At Raiz, we prioritize making banking easy for you while keeping it secure. With every tool at your disposal from mobile payments to real-time account management you'll find that managing your finances has never been easier. Experience the future of banking today!

Financial Strength

At Raiz, 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 share our robust financial position, which reflects our commitment to serving you better. With a net worth of $121,306,359, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.17% 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 $182,673,198 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on our members' needs, we also handle $125,128,000 in non-member deposits. This means our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks. Our financial strength is further illustrated by having $104,675,136 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. With $14,629 in used auto loans and $800,634,602 in total loans and leases, we support your financial goals across various sectors. Additionally, our $2,751,175 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 230 full-time employees and 11 part-time employees who are always ready to serve you with a knowledgeable, committed team. With 122,090 accounts under our care, it's clear that many trust 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, Raiz is your trusted partner. Visit us at 975 Lomaland Dr El Paso Tx 79907 or call (915) 843-8328 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 $309,350,924 in used vehicle loans and $194,906,919 in new vehicle loans already helping members get on the road. We offer competitive financing terms whether you're purchasing a brand-new vehicle or opting for a reliable used one.

Business Loans

For business owners, our outstanding commercial loans totaling $61,509,327 provide the capital needed to grow and expand. We recognize the challenges small businesses face and aim to support your entrepreneurial journey with robust lending options.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,461,030, make buying or refinancing simple. We aim to make your journey towards owning a home as smooth as possible with flexible terms and personalized service.

Refinancing Options

If you're considering refinancing any existing loans, we can guide you through eligibility options that might work for you. Our team is dedicated to finding solutions that save you money and help simplify your financial management. Our services are designed not just for individuals but also for families and businesses looking for reliable financial partnerships. If you'd like more information or have specific questions about our loan offerings, feel free to reach out at (915) 843-8328 or visit us at our location: 975 Lomaland Dr El Paso Tx 79907 in El Paso, 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. At Raiz, we're here to help you every step of the way toward achieving your financial dreams.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $13,577,320 in loans helping members manage their finances effectively. Our credit cards come with various benefits designed to help you make purchases while staying within your budget.

Loan Aggregator

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 ensures that users receive fair and transparent offers. By working closely with verified financial institutions, LendMesh guarantees that the information provided is accurate and up-to-date.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: Unlike some platforms that prioritize lenders based on paid promotions, LendMesh focuses solely on providing unbiased results. Every user receives the same level of service without hidden agendas. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This helps them make informed decisions when it comes to choosing the right loan for their needs. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

RAIZ FEDERAL CREDIT UNION - El Paso, TX

Type of Loan Offerings

Vehicle Loans

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