Raiz Credit Union Horizon City TX | Low Mortgage Rates & Business Banking

Introduction

Welcome to Raiz, your trusted financial partner located at 13781 Horizon Blvd, Horizon City, TX 79928. Since our establishment in 1936, we have been dedicated to serving our community and fostering financial well-being for our members. With a robust membership of 74,265 individuals and total assets of $990,017,143, we pride ourselves on providing exceptional services that meet the diverse needs of our members. At Raiz, we understand that personal finance is more than just numbers it's about building relationships and empowering our community. Our commitment to you is reflected in our total loans amounting to 36,467, and deposits totaling $79,280,223. We are here to support you with various financial solutions, including auto loans, mortgages, credit cards, and business banking options. Our leadership team is committed to guiding us toward excellence. Under the stewardship of CEO Max Villaronga and Board President Lillian Crouch, we aim to create an environment where every member feels valued and supported. Whether you're seeking advice or looking for the best financial products tailored for you, our knowledgeable staff is ready to assist. While members can visit us at our branch location in Horizon City, official correspondence should be sent to the same address: 13781 Horizon Blvd, Horizon City, TX 79928. We invite you to explore how Raiz can help you achieve your financial goals. Feel free to reach out by calling us at (915) 843-8328 or visiting our website at raiz.us. Join us today and experience a credit union that truly cares about your future!

Branch History & Mission

Join Us Today!

With over 241 dedicated employees ready to assist you and a wide range of services tailored just for you, there's never been a better time to become a member of Raiz. Experience firsthand how we can help you achieve your financial goals while being an active participant in your community. Contact us at 915-843-8328 or visit us online at raiz.us to learn more about how you can join us today!

Modern Banking Solutions

In an ever-evolving world, Raiz embraces digital advancements while ensuring accessibility for everyone. We offer online and mobile banking services, along with ATM access for convenience. For those who prefer face-to-face interaction, our drive-thru service makes banking easy and efficient. Our branch takes pride in being ADA compliant so that everyone can enjoy our services without barriers. As part of our customer-centric approach, we continually seek feedback from our members to improve their experience further.

Our Mission

Our mission is simple yet profound: to empower our members through financial services while fostering community support and growth. We are dedicated to providing personal banking options that include checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We aim to create financial opportunities that enhance the lives of those we serve. Raiz is not just about numbers; it's about people. We actively engage in community outreach programs and partnerships that make a difference. Whether it's supporting local events or providing educational resources on financial literacy, we are committed to uplifting Horizon City.

Branch Location & Accessibility

Welcome to Raiz, your friendly community credit union located at 13781 Horizon Blvd in the heart of Horizon City, TX. Our branch is conveniently situated near local favorites and essential services, making it easy for you to stop by while running errands or enjoying a day out. Whether you're visiting the nearby parks or shopping areas, we're here to support your financial needs. At Raiz, we understand the importance of accessibility. Our branch features ADA-compliant entrances and ample parking spaces, ensuring that everyone can access our services with ease. If you need assistance or have questions about our offerings, our friendly staff is always ready to help. We invite you to visit us during our welcoming hours: Monday through Friday from 9:00 AM to 5:30 PM, and on Saturdays from 9:00 AM to 12:00 PM for drive-thru banking. Our drive-thru service allows you to handle quick transactions like deposits and withdrawals without leaving your vehicle. In addition to traditional banking services, we offer a variety of options tailored to meet your financial goals. From personal banking accounts and auto loans to mortgage refinancing and business banking services, Raiz is committed to helping you succeed. Plus, enjoy the convenience of our ATM service available on-site for quick cash withdrawals or balance checks. While members can visit us at our branch location, official correspondence should be sent to the same address for consistency. If you're looking for a place where you can manage your finances comfortably and efficiently, look no further than Raiz. Feel free to give us a call at 915-843-8328 if you have any questions or want more information about what we offer. We can't wait to welcome you into our community!

Member Eligibility

Becoming a member of Raiz is like joining a family where your financial wellbeing is our top priority. To qualify for membership, you simply need to live, work, worship, or attend school in the Horizon City area or have a family member who is already a member. It's that straightforward! This means that if you're part of our community, we welcome you with open arms. Once you're in, you'll enjoy exclusive benefits like competitive rates on loans and savings accounts, personalized service, and access to a range of financial products designed to meet your needs. If you're ready to take the next step towards joining Raiz, opening an account is easy! You can find all the details you need at this link and start your journey today. If you have any questions, feel free to give us a call at (915) 843-8328. We're here to help you every step of the way!

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 having the funds you need to purchase new equipment or expand your operations. Our member-focused approach ensures that you have access to flexible financing options designed specifically for your business.

Merchant Services

In addition to loans, we offer robust merchant services that simplify payment processing and enhance customer experiences. Picture this: a local café using our services to accept payments seamlessly, allowing them to focus more on serving great coffee rather than worrying about transactions. Our tools help streamline operations so you can concentrate on what you do best. Located at 13781 Horizon Blvd Horizon City Tx 79928 in Horizon City, TX, our team is ready to assist you. Call us at (915) 843-8328 to learn how we can help your business thrive!

Comprehensive List Of Services

Convenient Digital Solutions

In today's fast-paced world, convenience is key. That's why Raiz offers robust online and mobile banking platforms, allowing you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, accessing your money has never been easier. You can also check your balance or make withdrawals at our ATMs located throughout the area.

Credit Cards & Business Banking

Looking for a way to earn rewards while you spend? Our credit cards come with exciting rewards programs that allow you to benefit from your everyday purchases. For local businesses, we offer comprehensive business banking solutions including merchant services and business loans to help you grow and thrive in our community.

Drive-Thru & ATM Services

For those who prefer in-person transactions but appreciate efficiency, our drive-thru banking service offers simple transactions such as deposits and withdrawals without leaving your car. Additionally, our ATMs ensure that cash withdrawal services are readily available when you need them most. At Raiz, our mission is to provide comprehensive financial services that enhance your banking experience while making it convenient for you. If you're ready to take advantage of all these offerings or have questions about how we can assist you further, don't hesitate to reach out! Call us at 915-843-8328 or visit us online at raiz.us to learn more about becoming a member today!

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why our personal banking services include checking and savings accounts tailored for every stage of life. Whether you're saving for a vacation or planning for your future, we have the right account for you. If you're in need of a vehicle, our auto loans and vehicle financing options can help get you on the road with competitive rates and flexible terms. Thinking about purchasing a home? Our mortgage loans and refinancing services provide you with the tools to make informed decisions and secure the best rates available. For those unexpected expenses or debt consolidation needs, our personal loans offer quick access to funds without the hassle.

Digital & Online Banking

Enhanced Security and Accessibility

Security is a top priority at Raiz. We offer electronic signature authorization, ensuring that all transactions are safe and authenticated. You can also opt for e-statements, which not only help keep your information secure but also contribute to a more environmentally friendly way to manage your finances. Need to send money to friends or family? Our person-to-person transfers make it easy and hassle-free. Just a few taps on your phone or clicks on our website, and you're done! In summary, whether you're using our mobile app or logging into online banking at https://raiz.us/ , we provide everything you need for real-time account management in one accessible place. Experience the convenience of modern banking at Raiz today!

Key Features of Our Digital Banking Services

When you visit us online at https://raiz.us/ , you'll find a host of features that help you take control of your finances. Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills around the clock, making it convenient for you to stay on top of your financial goals. For those who prefer a mobile approach, our mobile application lets you manage your account on the go. Whether you're waiting in line or lounging at home, you can easily access your accounts right from your smartphone. Plus, with our mobile payments feature, making purchases is quick and secure just tap and go!

Financial Strength

Operational Efficiency

Our operational efficiency is reflected in our net income of $2,533,509, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

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 across various sectors; we have $14,629 in used auto loans and $800,634,602 in total loans and leases available for our members.

Secure Member Savings

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.

Trustworthy Partnerships

Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 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 13781 Horizon Blvd Horizon City Tx 79928 or call 915-843-8328 to learn more about how we can help you achieve your financial goals.

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 and competitive interest rates tailored to fit your needs.

Credit Lines

For those looking for extra flexibility, our total credit lines available amount to $181,229,600. This gives our members access to funds when they need them most perfect for unplanned expenses or larger purchases. If you're interested in any of our loan products or would like to learn more about eligibility options and refinancing possibilities, don't hesitate to reach out! You can contact us at 915-843-8328 or visit us at 13781 Horizon Blvd, Horizon City, TX 79928. 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 committed to providing you with transparent and supportive financial services tailored just 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 also offer various refinancing options to help you adjust your mortgage to fit your current financial situation.

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. These cards come with rewards and benefits that can assist you in making everyday purchases easier.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 ensures that users receive fair and transparent offers when they explore their options.

RAIZ FEDERAL CREDIT UNION