Raiz Credit Union El Paso TX | Affordable Vehicle Loans & Rewards Cards

Introduction

At Raiz, we believe that every community member deserves access to reliable financial services and support. Located at 1241 Pullman Drive, El Paso, TX 79936, our branch has been serving the community since 1936, establishing a strong foundation of trust and reliability over the years. With a proud membership base of 74,265 individuals, we have grown to become a vital part of the El Paso area. Under the leadership of our dedicated CEO, Max Villaronga, and Board President, Lillian Crouch, we prioritize your financial well-being. Our credit union boasts total assets of $990,017,143 and total deposits amounting to $79,280,223, reflecting our commitment to providing secure and accessible banking solutions tailored to meet your needs. While members can visit us at our branch for personal banking services, official correspondence should be sent to the same address: 1241 Pullman Drive, El Paso, TX 79936. We encourage you to reach out by phone at (915) 843-8328 or via fax at (915) 859-3564 for any inquiries or assistance. We understand that financial decisions can be overwhelming. That's why we offer a range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. With total loans exceeding 36,467, we are here to help you navigate your financial journey with confidence. At Raiz, our mission is simple: to empower our members through personalized service and community-focused initiatives. Whether you're looking to save for the future or need assistance with financing options today, we're ready to help. Visit us or explore more about our offerings online at raiz.us. Join us in building a brighter financial future together!

Branch History & Mission

Community Engagement

We pride ourselves on being more than just a financial institution; we are an active part of the El Paso community. Our partnerships with local organizations help us give back through various initiatives aimed at education, health, and economic development. We believe that when our community thrives, we all benefit. If you are looking for a credit union that truly cares about its members and their financial well-being, consider joining Raiz today. Experience personalized service, competitive rates, and a commitment to making a positive impact in your life and community. Visit us or call us at (915) 843-8328 for more information on how you can become a member of Raiz!

Our Mission

At Raiz, our mission is clear: we aim to empower individuals and families by providing tailored financial services that promote stability and growth. We believe that everyone deserves the opportunity for financial success, which is why we focus not only on delivering exceptional banking experiences but also on actively supporting local initiatives and outreach programs. While members can visit us at 1241 Pullman Drive, official correspondence should be sent to the same address for convenience. Our operating hours are designed to accommodate busy schedules, with lobby hours from 9:00 AM to 5:30 PM on weekdays and drive-thru service available on Saturdays from 9:00 AM to 12:00 PM. As we look towards the future, Raiz remains dedicated to embracing technology that enhances member experience. Our online banking platform offers features such as mobile payments and electronic statements, ensuring that banking is convenient and accessible for everyone.

Branch Location & Accessibility

Convenient Location

Nestled in the heart of El Paso County, our branch is just a stone's throw away from popular local landmarks, making it easy for you to stop by while running errands or enjoying a day out. Plus, our location provides ample parking space so you can visit us without any hassle. We are committed to being accessible for everyone, with features that comply with ADA standards ensuring all members can easily navigate our facilities.

Operating Hours and Services

At Raiz, we understand that life can be busy. That's why we offer convenient operating hours from 9:00 AM to 5:30 PM on weekdays and special drive-thru hours on Saturdays from 9:00 AM to 12:00 PM. Our dedicated staff is here to assist you with a range of services including personal banking, auto loans, mortgage options, and business banking solutions. While we currently do not offer ATM services or drive-thru banking at this location, our friendly team is always ready to help you with any transactions directly inside the branch. If you prefer online services, don't forget to check out our robust digital banking options available through our website.

Reach Out Anytime

Should you have any questions or need assistance before your visit, feel free to give us a call at 915-843-8328. We are here to help! While members can visit us at 1241 Pullman Drive for all their banking needs, official correspondence should be sent to the same address as our mailing address. We look forward to welcoming you at Raiz! Come see how we can support your financial journey today!

Member Eligibility

At Raiz, becoming a member is like joining a family that supports your financial journey. If you live, work, or worship in the El Paso area, you're already on the right path to membership! We welcome individuals who are looking for a more personal banking experience and wish to benefit from our wide range of services. Whether you're interested in checking and savings accounts, auto loans, or business banking solutions, we have something for everyone. For a detailed overview of our eligibility criteria, feel free to visit our website at http://www.raiz.us/about/become-a-member/ . The process of opening an account with us is straightforward and inviting. Simply head over to our account opening page at https://accounts.raiz.us/apply.aspx?lenderref=epfcu072715&list=xasa , where you can find everything you need to get started. Should you have any questions or need assistance, don't hesitate to give us a call at (915) 843-8328. We're here to help make your transition into membership as smooth as possible!

Business Banking & Commercial Services

Commercial 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. - 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 addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: your customers can pay easily using various methods credit cards, mobile payments, and more allowing you to focus on what you do best. Our services help ensure that your cash flow remains steady while providing a convenient experience for your clients. Located at 1241 Pullman Drive El Paso Tx 79936 in El Paso, TX, we're ready to partner with you on your journey to success. Reach out today at (915) 843-8328 to learn more about how we can assist your business.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easier than ever. Picture yourself driving away in your dream vehicle without the stress of complicated financing. We provide competitive rates and flexible terms tailored to suit your budget.

Business Banking

For business owners, we understand the importance of having reliable banking solutions. Our business banking services, including merchant services and business loans, provide the tools you need to grow and succeed. Whether you're starting a new venture or expanding an existing one, we're here to support your entrepreneurial journey.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and we're here to support you with our mortgage loans and refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our experienced team will guide you through the process smoothly.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to access your accounts anytime, anywhere. From checking balances to transferring funds and paying bills, managing your finances has never been more accessible. At Raiz, we prioritize service excellence and member satisfaction above all else. If you have any questions or want to learn more about how we can help you reach your financial goals, don't hesitate to reach out! Give us a call at (915) 843-8328 or visit us at our branch today! Ready to get started? Explore all that we offer by visiting our website at https://raiz.us/ . We look forward to serving you!

Personal Banking

Managing your finances is simple with our personal banking options. We offer checking and savings accounts that fit seamlessly into your lifestyle. Imagine being able to keep track of your spending and saving with ease, all while earning interest on your deposits. Our accounts are equipped with online and mobile banking features, allowing you to manage your money from anywhere, anytime. You can also take advantage of our credit cards with rewards, making every purchase count towards something special.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our personal loans and debt consolidation options, you can tackle those financial challenges head-on. Imagine consolidating multiple debts into one manageable payment, helping you regain control over your finances.

Digital & Online Banking

Accessible Online Banking

With our 24/7 online banking services available at https://raiz.us/ , you can easily monitor your accounts, transfer funds, and pay bills from the comfort of your home or while out and about. No more rushing to the bank before closing time your financial management is just a few clicks away!

Embrace Mobile Payments

For those who prefer using their phones for purchases, our mobile payments feature ensures a fast and safe way to pay. Just tap and go! This flexibility means you can leave your wallet at home while still having everything you need right on your device. At Raiz, we are committed to providing not only accessibility but also security in all our digital offerings. Our online banking services make managing your finances easier than ever, so you can focus on what truly matters living life to the fullest!

Stay Updated with E-Statements

Keep track of your financial activities effortlessly with e-statements. Available at Yes, these digital statements provide a clear overview of your transactions without the clutter of paper documents. You'll always have access to your statements whenever you need them.

User-Friendly Features

Our mobile application brings banking right to your fingertips. Enjoy features like person-to-person transfers that allow you to send money to friends or family quickly and easily. Plus, with electronic signature authorization, signing documents has never been simpler. You can say goodbye to printing and scanning; everything is done securely online.

Financial Strength

Member Trust

Total Share Accounts stand at 122,090, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending amount to $0, further enhancing our ability to meet your needs. 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 1241 Pullman Drive El Paso Tx 79936 or call (915) 843-8328 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $182,673,198 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on serving our members first, we also have $125,128,000 in non-member deposits. This helps ensure that our resources are directed towards benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to excellence is reflected in our $2,533,509, showcasing our operational efficiency. This enables 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 ready to assist you with their expertise and dedication.

Reinvestment for Improvement

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 is evident with $14,629 in used auto loans and $800,634,602 in total loans and leases supporting your financial goals across various sectors.

Strong Financial Position

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 terms that make purchasing a vehicle more accessible than ever.

Credit Lines and Commercial Loans

For those needing additional financing, our total credit lines amount to $181,229,600, providing you with the flexibility you need for various expenses. Business owners can take advantage of our outstanding commercial loans totaling $61,509,327, which are designed to help grow and expand your business. We invite you to visit us at our branch located at 1241 Pullman Drive El Paso Tx 79936 in El Paso, TX. If you have questions or want to learn more about our loan offerings, feel free to call us at (915) 843-8328. 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 your financial success!

Mortgage Options

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 offer competitive rates and personalized support throughout the entire process.

Unsecured Credit Card Loans

Managing finances can be tricky, but we also offer flexible terms on unsecured credit card loans, with a total of $13,577,320 in loans helping members effectively handle their spending and improve their credit scores.

Loan Aggregator

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RAIZ FEDERAL CREDIT UNION