Resource One Credit Union Garland TX | Affordable Vehicle Loans & Business Banking

Introduction

At Resource One in Garland, we believe in building strong financial futures for our community. Located at 302 W Centerville Rd, Garland, TX 75041, we have been serving our members since 1936. With a rich history and a commitment to member satisfaction, we have grown to support over 73,095 members with assets totaling an impressive $786,674,718. As your trusted credit union, we take pride in offering a variety of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we are here to guide you every step of the way. Our dedicated team of 179 employees, led by CEO Mary Beth Spuck and Board President Karen Hart, is focused on providing exceptional service that makes banking easy and enjoyable. While members can visit us at our branch address, official correspondence should be sent to: PO Box 660077, Dallas, TX 75266-0077. We are proud to offer competitive rates on loans and deposits currently boasting total loans of 31,205 and total deposits of $73,156,023. Our strong net worth of $54,664,215 reflects our solid foundation built on trust and reliability. We invite you to experience the Resource One difference firsthand. Whether you need assistance with loans or want to explore our digital banking services including online and mobile banking our team is ready to help. For any questions or to get started with your financial journey today, please call us at 214-319-3100. Join us as we continue to support our community's financial wellness!

Branch History & Mission

Commitment to Excellence

We take pride in being ADA compliant and customer-focused. With features like drive-thru banking and ATM availability, we strive to make your banking experience as convenient as possible. Our operating hours are designed for your ease: Monday through Friday from 9:00 a.m. until 5:30 p.m., with extended drive-thru hours until 6:00 p.m., and Saturday service from 9:00 a.m. until 1:00 p.m. Join us at Resource One Credit Union! Experience the difference that comes from being part of a community-driven organization dedicated to helping you achieve your financial goals while making a lasting impact in Garland. For more information or to open an account today, visit our website or call us at 214-319-3100. Your journey towards better financial health starts here!

Community Impact

At Resource One, we're more than just a credit union; we are an active participant in the Garland community. We regularly collaborate with local organizations to support events that uplift our neighborhood and help those in need. Whether it's sponsoring youth sports teams or participating in charitable drives, our goal is to make a positive impact on the lives of those around us. While members can visit us at 302 W Centerville Rd, official correspondence should be sent to PO Box 660077, Dallas, TX 75266-0077.

Our Evolution

From our humble beginnings in the heart of Garland, we have continuously evolved to meet the needs of our members. With each passing year, we have embraced new opportunities to expand our services and enhance member experiences. In addition to traditional banking services, we now offer a variety of options including auto loans, personal loans, mortgage refinancing, and business banking solutions. Our commitment to innovation has led us to implement digital advancements such as online and mobile banking options that allow our members to manage their finances on-the-go. Our mission is clear: to provide exceptional financial services while supporting and enriching the community we serve. We believe that everyone deserves access to quality banking services and financial education. That's why our team works diligently not only to assist with everyday banking needs but also to foster financial literacy through workshops and outreach programs.

Branch Location & Accessibility

Accessibility Features

At Resource One, we prioritize accessibility for all members. Our branch is equipped with ADA-compliant features, including ramps for easy entry. Ample parking is available nearby, ensuring you have a hassle-free experience when you visit us.

Connect With Us

If you have any questions or need assistance, feel free to call us at 214-319-3100. Our friendly team is eager to help! We invite you to stop by Resource One in Garland today your financial journey starts here!

Operating Hours

We understand that your time is valuable. That's why we offer convenient operating hours designed to fit your schedule. Our lobby is open from 9:00 a.m. to 5:30 p.m., Monday through Friday, and on Saturdays, we're here from 9:00 a.m. to 1:00 p.m. If you prefer using our drive-thru service, it operates until 6:00 p.m. on weekdays and until 1:00 p.m. on Saturdays.

Services Offered

Resource One offers a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. We also provide business banking solutions and online services such as mobile banking and ATM access for your convenience. Our drive-thru allows for quick transactions like deposits and withdrawals without leaving your car. Plus, with shared services available at our branch, members from partner credit unions can enjoy seamless transactions too!

Member Eligibility

At Resource One, we believe that everyone deserves a chance to be part of a supportive and thriving community. Joining us as a member is simple and welcoming! If you live, work, or go to school in the areas we serve, you're likely eligible to join our family. We also encourage members of specific organizations and communities to become part of our credit union. This means you can enjoy all the benefits we offer like competitive loan rates, personalized service, and a range of financial products tailored just for you! To find out more about the eligibility criteria, please visit this link. It's easy to get started with opening your account too; just check out this page for all the details. If you have any questions or need assistance, feel free to call us at 214-319-3100. We can't wait to welcome you to Resource One at 302 W Centerville Rd, Garland, TX 75041!

Business Banking & Commercial Services

Financing Your Vision

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $18 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $12,097,608, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine the ease of processing payments seamlessly at your store or online. Our merchant services provide you with efficient payment solutions, allowing you to focus on what matters most running your business. From credit card processing to point-of-sale systems, we equip you with the tools needed to enhance customer satisfaction and streamline operations. Located at 302 W Centerville Rd Garland Tx 75041 in Garland, TX, our dedicated team is here to support you every step of the way. Contact us at (214) 319-3100 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM and Cash Withdrawal Services

Need cash quickly? We provide convenient ATM & Cash Withdrawal Services available at multiple locations for easy access to your funds. Our basic drive-thru banking also ensures that simple transactions like deposits and withdrawals can be completed swiftly without leaving your vehicle.

Business Banking Solutions

For our business members, we offer tailored Business Banking Services including merchant services and business loans. These services are designed to help local businesses thrive in today's competitive landscape.

Credit Cards and Rewards

To add value to your spending, explore our Credit Cards with Rewards program. This service allows you to earn rewards on everyday purchases, helping you save money while enjoying the things you love.

Online & Mobile Banking Convenience

In this digital age, accessing your finances should be easy. Our robust Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. You can transfer funds, pay bills, and even make person-to-person payments with just a few taps on your smartphone.

Personal Banking

When it comes to personal finance, we offer Checking & Savings Accounts that cater to various lifestyles. Whether you're saving for a new home or managing day-to-day expenses, our accounts provide the flexibility you need. For those looking to make big purchases, our Auto Loans & Vehicle Financing options can help you get behind the wheel of your dream car without breaking the bank. If you are considering buying a home or refinancing an existing mortgage, our Mortgage Loans make the process straightforward and manageable. Plus, for those unexpected expenses or plans that require some extra cash, we have Personal Loans & Debt Consolidation services designed to ease your financial burden.

Shared Branch Transactions

Additionally, if you are a member of partner credit unions, enjoy hassle-free transactions through Basic Shared Branch Transactions, allowing deposits and withdrawals at participating locations. At Resource One in Garland, TX, we're dedicated to making banking accessible and personalized for every member. Whether you're opening an account or seeking financial advice, our friendly staff is here to help. Don't hesitate! For more information about any of these services or to get started today, call us at 214-319-3100 or visit us online at Resource One. Your financial future starts here!

Digital & Online Banking

Key Features

With our online banking platform available at https://www.r1cu.org/, you can access your accounts 24/7. Need to check your balance or transfer funds? It's all just a few clicks away! Plus, with electronic signature authorization, signing important documents is hassle-free and secure. If you're someone who prefers paperless options, you'll be pleased to know that e-statements are readily available. This means you can easily track your spending without the clutter of physical paperwork. Want to send money to a friend? Our person-to-person transfer feature allows you to do just that quickly and safely.

Mobile Banking

On top of our robust online services, we also support mobile payments so you can make purchases directly from your phone. While we currently don't have a mobile application, you can still access all our services through your smartphone's browser. In today's fast-paced world, staying on top of your finances shouldn't be complicated. With real-time account management at your fingertips and user-friendly features, banking with Resource One is as straightforward as it gets. Join us today and experience how simple banking can be! For more information, visit us at https://www.r1cu.org/ or give us a call at (214) 319-3100.

Financial Strength

Continuous Growth and Investment

Our commitment to serving you better is reflected in our $44,470,228 in undivided earnings. This reinvestment allows us to enhance banking tools, lending options, and security measures that benefit all members. Additionally, with $9,095 in used auto loans and $592,547,094 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member Trust

We are dedicated to maintaining a growing member base with a total of 134,734 share accounts. This demonstrates the trust placed in us by our community. Net Shares (Funds available for lending and investments): $3,937,224 further shows our commitment to supporting member needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Resource One is your trusted partner. Visit us at 302 W Centerville Rd Garland Tx 75041 or call (214) 319-3100 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $214,745,856 in share certificates and $91,995,766 in money market shares. These options provide stable and rewarding financial growth opportunities tailored to meet your needs. Unlike traditional banks, we prioritize our members; with non-member deposits at $31,169,467, we focus our resources on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our impressive $1,085,916. This figure enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 159 full-time employees and 20 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $54,664,215, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust figure is complemented by our net worth ratio of $692, which demonstrates a solid capital foundation. This ensures 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 $193,071,429 in used vehicle loans and $58,229,102 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a pre-owned vehicle, we've got you covered with flexible terms and quick approvals.

Business Financing

For business owners in our community, our outstanding commercial loans totaling $12,097,608 provide the capital needed to grow and expand your operations. Whether you're starting a new venture or looking to invest in equipment or inventory, we have tailored solutions just for you. At Resource One in Garland (302 W Centerville Rd), TX 75041, we're here to support you at every stage of your financial journey. Feel free to reach out to us at 214-319-3100 during our operating hours: Monday - Friday from 9:00 a.m. till 5:30 p.m., Saturday from 9:00 a.m. till 1:00 p.m., or visit us online at r1cu.org for more information on how we can assist you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines

For those looking for additional financial flexibility, our credit lines amounting to $48,649,452 are an excellent option. They provide easy access to funds whenever necessary without the pressure of immediate repayment.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,781,402, make buying or refinancing simple. We work closely with you to find a plan that fits your budget and lifestyle. If you're considering refinancing your existing mortgage for better rates or terms, we can assist you with that too!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $13,243,818 in loans helping members manage their finances effectively. These credit cards come with benefits that can help you earn rewards while enjoying peace of mind knowing you have access to funds when you need them.

Loan Aggregator

How LendMesh Ensures Accurate 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 all offers are fair and transparent. LendMesh prioritizes accuracy by only displaying verified data from legitimate financial institutions. - Verified Data: Each loan offer comes from credible lenders, which means users can trust the information provided. - No Sponsored Listings: Unlike many comparison tools that prioritize lenders based on paid promotions, LendMesh focuses solely on delivering unbiased results. This commitment to neutrality helps users find the best deals without influence from marketing tactics. - Real-Time Rate Comparisons: The platform updates loan rates regularly, allowing users to access current offers from multiple institutions. This feature empowers consumers to choose the most suitable loans 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!" This testimonial highlights how effective and user-friendly the platform is. 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.

Resource One