Raiz Credit Union El Paso TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Raiz, your trusted financial partner located at 12020 Rojas Dr, El Paso, TX 79936. Established in 1936, our credit union has grown into a strong community hub, proudly serving over 74,265 members with a commitment to personalized banking solutions. With total assets exceeding $990 million and deposits reaching $79 million, we stand as a pillar of stability and support for our members. At Raiz, we believe in the power of community. Our dedicated team of 241 employees, led by CEO Max Villaronga and Board President Lillian Crouch, is here to help you navigate your financial journey. Whether you're looking for personal banking options such as checking and savings accounts or need assistance with auto loans and mortgages, we have the resources you need. We understand that financial decisions can be daunting. That's why we're focused on providing transparent and accessible services tailored to your needs. From basic drive-thru banking to advanced online services, including mobile payments and e-statements, we strive to make your banking experience easy and efficient. While members can visit us at our branch address for their banking needs, official correspondence should be sent to the same address: 12020 Rojas Dr, El Paso, TX 79936. Our commitment goes beyond numbers; we care about making a positive impact in our community. Join us today and experience the difference of being part of a credit union that truly values its members. If you have any questions or would like more information about our services, don't hesitate to reach out at (915) 843-8328 or visit us online at raiz.us. We look forward to serving you!

Branch History & Mission

Join Us

As we look towards the future, we invite you to be part of our journey. Experience firsthand the benefits of being a member at Raiz where your financial success is our priority. With ATM availability and convenient operating hours from 9:00 AM to 5:30 PM on weekdays and until noon on Saturdays, we're here when you need us most. For more information or to join our growing family, please call us at 915-843-8328 or visit our website. Together, let's build a stronger community!

Mission Statement

At Raiz, our mission is clear: we strive to provide exceptional financial services while supporting and uplifting our community. We believe that everyone deserves the opportunity to achieve their financial goals. This belief drives us to offer not only competitive rates and products but also outreach programs that educate and empower our members on financial literacy. We take pride in being more than just a credit union; we are an integral part of the El Paso community. Through partnerships with local organizations and initiatives focused on community support, we actively contribute to improving the lives of those around us. While members can visit us at 12020 Rojas Dr for all their banking needs including basic drive-thru transactions we encourage you to reach out for any official correspondence at our mailing address: 12020 Rojas Dr, El Paso, TX 79936.

Our Evolution

Since our inception, Raiz has continuously evolved to keep pace with changing times while remaining deeply rooted in our mission. We started with a handful of dedicated members and a vision to provide accessible financial services. Today, with total assets exceeding $990 million, we have made substantial strides in delivering innovative banking solutions, including personal loans, auto financing, and business banking services. Our commitment to technology is evident in our digital advancements. Members can enjoy online and mobile banking services that allow for easy account management from anywhere. Additionally, we ensure ADA compliance across all platforms, making it easier for everyone to access our services.

Branch Location & Accessibility

Convenient Access and Amenities

At Raiz, we understand that accessibility is key. Our branch features ADA-compliant facilities, ensuring everyone can visit us comfortably. Parking is plentiful and free, making it easy for you to stop by anytime during our operating hours. Speaking of which, our lobby is open Monday through Friday from 9:00 AM to 5:30 PM, and we also offer drive-thru services on Saturdays until noon perfect for those busy weekends!

Get in Touch

If you have questions or need assistance, don't hesitate to call us at 915-843-8328. We're here to help you navigate your financial journey. Come visit us today at Raiz where your financial future begins!

Services Offered

Whether you're looking to open a checking account, apply for an auto loan, or explore mortgage options, we have you covered. Our dedicated team is here to assist you with personal banking needs like credit cards with rewards and business banking services as well. Plus, with our ATM available on-site and basic drive-thru banking for deposits and withdrawals, we make banking simple and straightforward. While members can visit us at 12020 Rojas Dr, official correspondence should be sent to the same address since it serves both as our branch and mailing location.

Member Eligibility

At Raiz, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you're a resident of El Paso or work in the area, you can easily join us. We invite individuals who share our values and are looking for personalized banking solutions to become part of our family. Whether you're seeking a checking account, an auto loan, or just friendly financial advice, being a member at Raiz offers you access to tailored services designed with your needs in mind. To learn more about the specific eligibility criteria and ensure you meet the requirements, please check out our detailed information at http://www.raiz.us/about/become-a-member/ . Once you're ready to take the next step, opening an account is quick and straightforward just visit https://accounts.raiz.us/apply.aspx ?lenderref=epfcu072715&list=xasa or give us a call at (915) 843-8328. We're here to help you every step of the way! Join us today at 12020 Rojas Dr El Paso Tx 79936 and experience the benefits of membership firsthand.

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. Imagine a local café wanting to expand its menu or a tech startup needing funds for new equipment. Our tailored loan options make these dreams achievable.

Merchant Services

In addition to loans, we offer robust merchant services designed to simplify your payment processes. Picture this: A busy retail store using our systems to accept payments seamlessly, enabling them to focus more on serving customers rather than worrying about transactions. Located at 12020 Rojas Dr El Paso Tx 79936, El Paso, TX, we're here to support your business goals every step of the way. Reach out at (915) 843-8328 to learn more about how we can help you grow!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Need a new ride? Our auto loans and vehicle financing services are tailored to get you behind the wheel quickly and affordably. With competitive rates and flexible terms, we can help you find the right loan that fits your budget. Picture yourself cruising in that new car while enjoying the benefits of manageable monthly payments!

Business Banking

For entrepreneurs, our business banking services include merchant services and business loans. We understand the unique challenges businesses face today. Whether you're starting a new venture or expanding an existing one, we're here to support you every step of the way.

Credit Cards with Rewards

Our credit cards with rewards provide not just purchasing power but also perks! Earn points on every purchase that can be redeemed for exciting rewards. Think about how rewarding it feels when your everyday spending comes back to benefit you.

Digital Banking Features

At Raiz, we prioritize digital convenience. With features like ATM and cash withdrawal services, basic drive-thru banking for quick deposits and withdrawals, and easy access via our app or website, managing your finances has never been easier. You can make transactions at any time without stepping into a branch perfect for busy lifestyles!

Get Started Today!

With so many services designed for your unique financial needs, it's time to take advantage of what Raiz has to offer. Feel free to contact us at 915-843-8328 if you have questions or would like assistance in choosing the right service for you. Join us today by visiting our website or stop by our branch we're excited to help you achieve your financial goals!

Home Financing

For those looking to buy their dream home or refinance an existing mortgage, our mortgage loans are crafted with your future in mind. We understand that purchasing a home is one of the biggest decisions you'll make. Our team is here to guide you through every step of the process, ensuring you understand all your options.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to help you manage your money effectively. Whether you're saving for a special occasion or just need a safe place for your everyday expenses, our accounts come with features that make banking easy. Imagine checking your balance or transferring funds directly from your smartphone using our online and mobile banking options it's all about convenience.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, consider our personal loans. This option offers you financial relief with fixed rates and predictable payments. Imagine having a single monthly payment instead of juggling multiple debts it's all about simplifying your life.

Digital & Online Banking

Accessible Anytime

At Raiz, we believe in making banking accessible for everyone. Our digital services are designed to be user-friendly for all members. Whether you're tech-savvy or just starting to explore online banking, you'll find everything easy to navigate. In a world where time is precious, let us help you save yours with our efficient digital and online banking solutions. Explore more about what we offer by visiting https://raiz.us/ today!

User-Friendly Features

For those who prefer using their smartphones, our mobile application makes banking even simpler. You can easily manage your accounts, deposit checks remotely, and set up mobile payments for quick transactions. Plus, with the ability to send money through person-to-person transfers, sharing expenses with friends or family has never been easier. Security is a top priority for us. Our electronic signature authorization feature allows you to sign documents digitally, making processes faster while keeping your information secure. And if you're looking for a paperless option, e-statements are readily available so you can keep track of your finances without clutter.

Financial Strength

Growing Member Trust

We have established a strong member base with a total of 122,090 share accounts. This trust is vital as it enables us to remain committed to delivering quality service while maintaining financial strength. 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 12020 Rojas Dr El Paso Tx 79936 or call (915) 843-8328 to learn more about how we can help you achieve your financial goals.

Investing in Our Members

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. Additionally, our lending capacity supports your financial goals across various sectors with $14,629 in used auto loans and $800,634,602 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $182,673,198 in share certificates, offering stable and rewarding 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.

Operational Efficiency

Our solid performance is reflected in our $2,533,509, showcasing our operational efficiency. This allows 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 dedicated to serving you with knowledge and care.

Strong Financial Foundation

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 $1,217 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. We provide flexible financing options and competitive interest rates to ensure you find the best fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $61,509,327 provide the capital needed to grow and expand. We understand the challenges of running a business and are here to support your ambitions with customized lending solutions. At Raiz, we strive to make the borrowing process as straightforward as possible. If you're interested in refinancing or want to know about eligibility options for any of our loan products, feel free to reach out! For more information about our loan offerings or to speak with a representative directly, please call us at 915-843-8328 or visit us at 12020 Rojas Dr El Paso Tx 79936. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how Raiz can help you achieve your financial dreams today!

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 guide you through every step of the process so you can feel confident in your investment.

Unsecured Credit Card Loans

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 rewards and benefits that can help you save while spending responsibly.

Loan Aggregator

Benefits of Using LendMesh

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RAIZ FEDERAL CREDIT UNION