Raiz Credit Union El Paso TX | Quick Personal Loans & ATM Access

Introduction

Welcome to Raiz, your trusted partner in financial growth and community support, located at 100 Village Ct, El Paso, TX 79922. Established in 1936, our credit union has proudly served over 74,265 members with a commitment to providing exceptional banking services tailored to meet your needs. With total assets exceeding $990 million and deposits of around $79 million, we are dedicated to ensuring the financial well-being of our community. At Raiz, we understand that every member's journey is unique. That's why we offer a diverse range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. With more than 24 full-time employees, led by our CEO Max Villaronga and Board President Lillian Crouch, we're here to provide you with personalized assistance and guidance every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 100 Village Ct, El Paso, TX 79922. We invite you to explore how Raiz can help you achieve your financial goals. Whether you're looking for straightforward checking accounts or innovative credit solutions, we have something for everyone. Feel free to reach out to us at (915) 843-8328 or visit our website at raiz.us for more information on how you can become a member today! Join us in making a positive impact in our community because when you thrive, we all thrive together!

Branch History & Mission

At Raiz, we take pride in our rich history and unwavering commitment to our community in El Paso, TX. Established in 1936, Raiz has grown from a small credit union into a trusted financial partner for over 74,000 members. Our branch, located at 100 Village Ct, El Paso, TX 79922, has become a cornerstone of support for individuals and families seeking financial stability and empowerment. Since our inception nearly nine decades ago, Raiz has continuously evolved to meet the changing needs of our members. We've expanded our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgages, personal loans, and even business banking solutions. With total assets now reaching an impressive $990,017,143, we are well-positioned to provide the resources necessary for our members' financial journeys. Our mission is clear: We strive to enhance the financial well-being of our members while fostering a sense of community. This mission drives us to not only offer competitive rates and personalized service but also actively engage in community outreach initiatives. Whether it's partnering with local organizations or hosting financial literacy workshops, we believe in giving back to the community that supports us. While members can visit us at 100 Village Ct, official correspondence should be sent to 100 Village Ct, El Paso, TX 79922. Our branch operates Monday through Friday from 9:00 AM to 5:30 PM, with drive-thru services available on Saturday from 9:00 AM to 12:00 PM. We also provide ATM access for added convenience. As we move forward in this digital age, Raiz is committed to maintaining accessibility and compliance for all members. Our services include online and mobile banking options, ensuring that everyone can manage their finances easily and securely. At Raiz, we're more than just a credit union; we're a community partner dedicated to your success. Join us today and experience the supportive environment that has made us a staple in El Paso for generations. For more information or to become a member, visit our website at Raiz or call us at 915-843-8328. Let's build a brighter future together!

Branch Location & Accessibility

Welcome to Raiz at Village Court! Located conveniently at 100 Village Ct, El Paso, TX 79922, our branch is easy to access and designed with your needs in mind. Whether you're visiting us for personal banking or exploring loan options, our friendly team is here to assist you. Nestled in a vibrant part of El Paso, we're near notable landmarks that enhance your visit. Our branch features ample parking, ensuring that you can stop by without any hassle. Plus, we are committed to accessibility for all members, with ADA-compliant facilities and ramps available. At Raiz, we understand that convenience matters. That's why our lobby hours are from 9:00 AM to 5:30 PM on weekdays, and we also offer drive-thru services on Saturdays from 9:00 AM to 12:00 PM. You can reach us easily at (915) 843-8328 for any inquiries or assistance. For those who prefer using ATMs, we provide easy access to ATM services right here at the branch. If you're looking for basic drive-thru banking options like deposits and withdrawals, we've got you covered. While you can visit us at our physical location for all your banking needs, please note that any official correspondence should be sent to the same address: 100 Village Ct, El Paso, TX 79922. We invite you to come by and discover how Raiz can support your financial journey. Whether it's opening an account or discussing loan options, our dedicated staff is ready to help. Visit us soon!

Member Eligibility

At Raiz, we believe that everyone deserves a chance to be part of a caring financial community. If you're looking to join us at our welcoming location at 100 Village Ct El Paso Tx 79922, you'll be pleased to know that membership is open to anyone who lives, works, or worships in our area, as well as their immediate family members. This means you can enjoy all the benefits we offer, from competitive rates on loans to personalized service that feels like family. To learn more about the specific eligibility criteria and ensure you qualify, feel free to check out our detailed information at http://www.raiz.us/about/become-a-member/. Becoming a member is not just about opening an account; it's about joining a community that supports your financial journey. Once you're ready to take the next step, opening an account with us is simple! You can start the process online by visiting https://accounts.raiz.us/apply.aspx?lenderref=epfcu072715&list=xasa or give us a call at (915) 843-8328 if you have any questions. We're excited to welcome you into the Raiz 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 $153 in commercial loans for our members, helping businesses scale and succeed. - 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, having the right tools at your disposal can make all the difference. Our merchant services allow you to accept payments easily, manage transactions efficiently, and offer your customers a seamless checkout experience. Imagine being able to focus on what you do best running your business while we handle the financial aspects. Visit us at 100 Village Ct El Paso Tx 79922 in El Paso, TX, or call us at (915) 843-8328 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For our business members, we provide tailored banking solutions including merchant services and business loans. We understand the unique challenges faced by small businesses and are here to help you thrive.

Convenient Access

With both ATM services and basic drive-thru banking available at Raiz, accessing your money has never been easier. You can handle deposits, withdrawals, and simple transactions quickly just pull up and let us do the rest! In addition, our digital banking features allow you to manage your accounts on-the-go with mobile payments and person-to-person transfers. We invite you to visit us or contact us at 915-843-8328 for more information on how we can assist you in reaching your financial goals. At Raiz, we're not just about transactions; we're about building lasting relationships with our members through comprehensive service tailored just for you!

Credit Cards with Rewards

Looking for a credit card that gives back? Our credit cards come with rewards that make every purchase more rewarding. From cashback offers to travel points, you'll find plenty of ways to benefit from using your card.

Mortgage Options

Buying a home? Our mortgage loans and refinancing options can guide you through the process with ease. We understand that securing a mortgage is a big step, and our team is committed to helping you find the right solution that works for you.

Personal Banking Solutions

Managing your day-to-day finances is made easy with our personal banking services. We offer checking and savings accounts designed to help you save money while enjoying easy access to your funds. Imagine having the convenience of online and mobile banking at your fingertips check balances, transfer money, or pay bills from anywhere!

Personal Loans

For those unexpected expenses or projects you've been putting off, our personal loans and debt consolidation services offer flexible terms and quick access to cash. This way, you can tackle those challenges head-on without worrying about how to fund them.

Vehicle Financing

If you're considering purchasing a new car or refinancing your current auto loan, our auto loans and vehicle financing options provide competitive rates to fit your budget. Picture driving off in that dream car without the stress of high payments.

Digital & Online Banking

Key Services

With our online banking platform, available at https://raiz.us/, you can check your account balances, transfer funds, and pay bills all from one user-friendly interface. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you're always on the move, our mobile application is designed to fit seamlessly into your lifestyle, giving you real-time access to your accounts.

Security and Accessibility

Your security is our top priority. That's why we offer electronic signature authorization for important transactions, ensuring that your information remains safe. Additionally, you'll have the option of receiving e-statements for easy record-keeping no more piles of paper cluttering your space! We're also proud to support mobile payments, allowing you to make purchases without needing cash or cards. Just tap and go! With 24/7 online banking services available, you can manage your finances whenever it suits you. At Raiz, we are committed to providing accessible and efficient banking solutions tailored to meet your needs. Enjoy the freedom of managing your finances effortlessly while knowing that security is always at the forefront of what we do. Join us today and experience how convenient banking can be!

Financial Strength

Committed Workforce

We also take pride in having 230 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 122090, showing a strong and growing member base that trusts 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 100 Village Ct El Paso Tx 79922 or call 915-843-8328 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $2,533,509 net income reflects our operational efficiency. This success enables us to continue offering competitive loan rates and solid financial products tailored for our members' needs.

Reinvestment for Better Services

With $104,675,136 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 your financial goals with $8,006,346,02 in total loans and leases, including $14,629 in used auto loans.

Secure Savings Opportunities

Members' savings are secured through $182,673,198 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $125,128,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

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 1217 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 $309,350,924 in used vehicle loans and $194,906,919 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our financing options can make your dream car more accessible than ever.

Credit Lines and Business Financing

For those looking for extra flexibility or running a business, we provide total credit lines amounting to $181,229,600. Additionally, our outstanding commercial loans totaling $61,509,327 give business owners the capital they need to grow and expand their operations. At Raiz in El Paso at 100 Village Ct, we're dedicated to offering personalized solutions tailored to your financial journey. For more information about our loan offerings or to explore refinancing options available for existing loans, please call us at 915-843-8328 or visit our website at raiz.us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're ready to apply or just want more details about eligibility options and how we can assist you further, we're here for you!

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 know that securing a mortgage can be overwhelming; that's why our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible terms on unsecured credit card loans. We currently have $13,577,320 in loans helping members manage their finances effectively. With no collateral needed and straightforward repayment plans, you can focus on what matters most while staying financially secure.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

LendMesh sources its loan 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 means you receive fair and transparent offers that reflect current market conditions. Each lender listed in LendMesh's comparison tool undergoes a strict verification process to ensure accuracy and reliability.

Raiz