Resource One Credit Union Houston TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Resource One at our Oak Forest branch, located at 1400 W 43Rd St, Houston, TX 77018. Since our establishment in 1936, we have been dedicated to serving our community with a range of financial products tailored to meet your needs. With over 73,095 members trusting us with their financial goals, we take pride in being more than just a credit union; we're your partner in achieving financial success. At Resource One, we understand that financial stability is key to a thriving community. That's why we manage total assets of $786,674,718 and offer a variety of services including personal banking, auto loans, mortgage loans, and business financing solutions. Our commitment goes beyond numbers; it's about the relationships we build with each member. Led by our CEO, Mary Beth Spuck, and Board President Karen Hart, our team of 179 employees is here to ensure you receive personalized service every time you visit. We are proud to maintain a net worth of $54,664,215, reflecting our solid foundation and ability to support our members effectively. While you can reach us at our branch for all your banking needs, please send any official correspondence to PO Box 660077, Dallas, TX 75266-0077. We invite you to explore our offerings further by visiting us online at Resource One or calling us at 214-319-3100. Join us in making your financial dreams a reality today!

Branch History & Mission

Community Impact

Our commitment goes beyond just financial services. We actively engage in partnerships and outreach programs aimed at enhancing the well-being of our community. We understand that being part of a neighborhood means giving back and making a difference. Whether it's through educational workshops or community events, we strive to foster connections that strengthen the fabric of Houston. As technology advances, so do we. We embrace digital banking options like online banking and mobile payments to ensure that our members can manage their finances effortlessly from anywhere. Additionally, our facilities comply with ADA standards because everyone deserves equal access to financial resources. We invite you to experience the benefits of membership with Resource One. Join us today and discover how we can help you achieve your financial goals while being part of a supportive community. For more information on becoming a member or exploring our services further, please visit our website or call us at 214-319-3100. Together, let's build a brighter future!

Our Mission

At Resource One, our mission is clear: we strive to empower our members by providing them with personalized financial services while also supporting the communities in which they live. We believe that strong financial foundations lead to thriving families and neighborhoods. Our team is committed to offering services such as checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking solutions tailored to meet individual needs. While members can visit us at 1400 W 43rd St, official correspondence should be sent to PO Box 660077, Dallas, TX 75266-0077. We prioritize accessibility and customer satisfaction; that's why we offer both ATM availability and drive-thru banking options for your convenience.

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance, feel free to give us a call at 214-319-3100. Our friendly staff is eager to assist you! We invite you to come by and experience the welcoming atmosphere at Resource One where every member is part of our family!

Local Landmarks and Accessibility

Nestled near several local landmarks, such as the bustling Houston Heights and the scenic White Oak Bayou Trail, our location is not only easy to find but also surrounded by an inviting community atmosphere. We offer ample parking space for all members and ensure ADA compliance for easy access to our facilities. Ramps are available for those who need them, making banking a breeze for everyone.

Operating Hours and Services

Our operating hours are crafted to fit your busy schedule: Monday through Friday, our lobby is open from 9:00 a.m. to 5:30 p.m., with drive-thru services available until 6:00 p.m. On Saturdays, both the lobby and drive-thru are open from 9:00 a.m. to 1:00 p.m., so you can take care of your banking needs during the weekend as well. At Resource One, we pride ourselves on offering a wide range of services tailored to meet your financial goals. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Our drive-thru service ensures that even simple transactions can be handled quickly and efficiently without leaving your car.

Member Eligibility

Welcome to the welcoming community at Resource One! Becoming a member is a fantastic way to enjoy personalized financial services and support. If you live, work, or attend school in the area around 1400 W 43Rd St Houston Tx 77018, you're likely eligible to join us. We believe that everyone deserves access to quality banking, so whether you're starting your financial journey or looking for a better place for your accounts, we invite you to explore membership with us. Joining is straightforward and fulfilling! You can find all the details about eligibility on our website at https://www.r1cu.org/get-started/youth-membership/ . If you're ready to take the next step, opening an account is easy just visit us online at https://www.r1cu.org/get-started/ or give us a call at (214) 319-3100. We look forward to welcoming you into our family!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having the tools to process payments easily while keeping your operational costs low. Our merchant services allow you to accept credit and debit cards seamlessly, making transactions smoother for both you and your customers. This means quicker sales and happier clients essential ingredients for any successful business. Located at 1400 W 43Rd St Houston Tx 77018 in Houston, TX, our team is here to discuss how we can support your business goals. Reach out at (214) 319-3100 today!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, Resource One has your back too! We provide essential merchant services and business loans to help your venture thrive. Our goal is to empower local businesses with the resources they need to grow.

Convenient Access

We understand that convenience is key in today's fast-paced world. That's why we offer various ways for you to access your accounts. Our ATM services allow you to make cash withdrawals and check balances without any hassle. You can also utilize our drive-thru banking for quick deposits and withdrawals during your busy day.

Digital Features for Your Convenience

In addition to traditional banking methods, we embrace technology with features like person-to-person payments that let you send money easily to friends or family right from your phone. Our online banking platform ensures that managing your finances is just a click away. At Resource One in Houston, TX, we're not just here to serve; we're here to support your financial journey every step of the way. For more information about how we can assist you or to explore our full range of services further, don't hesitate to give us a call at 214-319-3100 or visit us online at r1cu.org. Your financial goals are within reach let's achieve them together!

Loans and Financing

Need help with your dream home? Our mortgage loans and refinancing services can guide you through the process smoothly. We also offer personal loans and debt consolidation solutions for those looking to simplify their finances or tackle unexpected expenses. Plus, with our credit cards that offer rewards, you can earn while you spend.

Personal Banking Services

For those who want to manage their day-to-day finances effectively, our checking and savings accounts are perfect for building a secure foundation. You can easily access your funds through online and mobile banking, making it simple to check balances or transfer money on the go. Additionally, if you're planning a new adventure or need a reliable vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms.

Shared Branch Services

As part of our commitment to community service, we provide basic shared branch transactions for members of partner credit unions. This means you can make deposits and withdrawals even when you're away from home.

Digital & Online Banking

Key Features

Our online banking includes electronic signature authorization, allowing you to sign documents securely without the need for printing or mailing. This feature not only saves time but also adds an extra layer of convenience to your transactions. You can also opt for e-statements, which provide quick access to your account statements while being environmentally friendly. For those on the go, our mobile payments feature enables you to make purchases directly from your smartphone. Although we currently don't have a dedicated mobile application, rest assured that our website is mobile-friendly and allows for smooth navigation on any device. Need to send money to a friend or family member? With our person-to-person transfer option, sending cash is as simple as a few taps on your screen. It's quick, easy, and perfect for sharing expenses or paying back a loan.

Security and Accessibility

Your security is our priority. Our digital banking platform employs robust security measures to protect your information while providing you with real-time account management. You can feel confident knowing that your financial data is safe with us. Whether you're at home or out running errands, Resource One makes it easy to manage your finances with just a few clicks or taps. We are committed to making banking accessible and straightforward so that you can focus on what matters most in life. Explore all these features and more by visiting https://www.r1cu.org/ today!

Financial Strength

Commitment to Innovation

With $44,470,228 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 with $9,095 in used auto loans and $592,547,094 in total loans and leases.

Growing Trust

The trust placed in us by our members is evident as we serve a strong base with a total of 134,734 share accounts. This growing membership underscores the confidence you have in Resource One, making us your trusted partner for all your financial 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 here to help you achieve your financial goals. Visit us at 1400 W 43Rd St Houston Tx 77018 or call (214) 319-3100 to learn more about how we can assist you today. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Growth

Members' savings are secured through $214,745,856 in share certificates and $91,995,766 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $31,169,467, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $1,085,916 reflects our operational efficiency, enabling 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 who ensure our branches are always ready to serve you with a knowledgeable, committed team. With net shares available for lending and investments totaling $3,937,224, we are well-prepared to meet your financial needs.

Strong Financial Health

With a net worth of $54,664,215, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $692 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 $193,071,429 in used vehicle loans and $58,229,102 in new vehicle loans already helping members get on the road. We make it easy for you to drive off with your dream vehicle by offering competitive rates and flexible terms.

Business Solutions

If you're a business owner seeking growth opportunities, our outstanding commercial loans totaling $12,097,608 provide the capital needed to expand your business operations. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs with tailored financing solutions.

Credit Card Loans

For those looking for additional flexibility in managing expenses, we also offer unsecured credit card loans with a total of $13,243,818 helping members manage their finances effectively. Our credit cards come with competitive rates and rewards that can enhance your purchasing power while keeping your budget on track.

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 believe that owning a home should be an achievable goal for everyone. Our team is here to guide you through the process and help you secure the right mortgage for your situation.

Refinancing Options

Additionally, if you're considering refinancing any existing loans or exploring eligibility options for our various products, we're here to assist you every step of the way. Our team will work closely with you to find solutions that best meet your financial situation. Visit us at 1400 W 43Rd St Houston TX 77018 or give us a call at 214-319-3100 to learn more about our loan offerings or start your application today! 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 Resource One help you take the next step towards achieving your financial aspirations!

Loan Aggregator

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RESOURCE ONE CREDIT UNION