Rio Grande Valley Credit Union Harlingen TX | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Rio Grande Valley Credit Union, your trusted financial partner since 1954, located conveniently at 1221 Morgan Blvd, Harlingen, TX 78550. With a commitment to serving our community and a proud membership of over 17,470 individuals, we are dedicated to providing exceptional banking services tailored to your needs. At Rio Grande Valley Credit Union, we believe in the power of community. Our total assets stand strong at $157,314,499, reflecting our stability and reliability as a financial institution. We have successfully facilitated 6,771 loans and leases, helping our members achieve their financial goals, whether it's purchasing a new vehicle or securing a mortgage for their dream home. Our leadership team is spearheaded by CEO Sherilyn Goad and Board President David Jones, who work diligently to ensure that our members receive top-notch service and support. With a dedicated staff of 47 employees, we're always here to assist you with personal banking needs like checking and savings accounts, auto loans, credit cards with rewards, and much more. For your convenience, while you can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 1221 Morgan Blvd, Harlingen, TX 78550-5154. Feel free to reach out to us at (956) 423-5792 for any inquiries or assistance. We invite you to explore all that we offer through our website at www.rgvcu.coop. Join us in making your financial journey smoother and more rewarding today!

Branch History & Mission

Commitment to Innovation

As part of our dedication to excellent service, we continuously embrace digital advancements. Members can enjoy the convenience of online and mobile banking services, allowing them easy access to their accounts anytime, anywhere. With features like electronic signatures and mobile payments, managing finances has never been easier. We also ensure that all members can access our facilities comfortably. Our branch is fully ADA compliant and offers both drive-thru service and ATM availability for added convenience. As we look ahead, we invite you to join us on this incredible journey. Experience firsthand the benefits that come from being a part of Rio Grande Valley Credit Union where community matters most. Reach out today by calling us at 956-423-5792 or visit us at 1221 Morgan Blvd, because together we can achieve more!

Our Mission

The mission of Rio Grande Valley Credit Union is simple yet powerful: to empower our members through exceptional financial services while actively supporting the community. We strive to create an environment where everyone feels valued and respected. Whether it's through personal banking options like checking and savings accounts, auto loans, or credit cards with rewards, we are dedicated to meeting the diverse needs of our members. In addition to offering competitive financial products, we believe in giving back. Our outreach efforts focus on supporting local initiatives and fostering partnerships that strengthen the fabric of our community. By engaging with schools, nonprofits, and other organizations, we aim to make a positive impact beyond just banking.

Branch Location & Accessibility

Welcome to the Rio Grande Valley Credit Union at 1221 Morgan Blvd, Harlingen, TX! Our branch is conveniently located in the heart of Harlingen, making it easy for you to access all your banking needs. Whether you're just passing through or a long-time resident, you'll find us near local favorites like the Harlingen Arts and Heritage Museum and the bustling downtown area. At our location, we prioritize accessibility for all members. Our branch features ADA-compliant facilities, ensuring that everyone can visit us comfortably. Parking is plentiful and convenient, so you won't have to worry about finding a spot when you stop by. We are proud to offer a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you with every step of your financial journey. Plus, if you're in a hurry, our drive-thru service allows for quick transactions without leaving your vehicle. And if you need cash on the go, we also provide ATM services right at our branch! Our friendly staff is eager to assist you during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM for lobby access. If you prefer using the drive-thru, we're open Monday through Friday from 7:30 AM to 6 PM and Saturday from 8 AM to 12 PM. While members can visit us at 1221 Morgan Blvd, official correspondence should be sent to our mailing address at 1221 Morgan Blvd, Harlingen, TX 78550-5154. Feel free to give us a call at 956-423-5792 if you have any questions or need further assistance. We invite you to come by and discover how we can support your financial goals!

Member Eligibility

At Rio Grande Valley Credit Union, we believe that joining our community is the first step towards achieving your financial goals. If you're wondering whether you can become a member, the answer is likely yes! We welcome individuals who live, work, worship, or attend school in our local area. This means if you're part of our vibrant community here in Harlingen or the surrounding regions, you're eligible to experience all the benefits we offer. From personalized service to competitive rates on loans and accounts, being a member of Rio Grande Valley Credit Union opens up a world of financial opportunities tailored just for you. Getting started is simple! You can find more detailed information about membership eligibility at this link. And when you're ready to take the next step or have questions, feel free to give us a call at (956) 423-5792. We're here to help you every step of the way on your journey toward financial wellness. Come visit us at 1221 Morgan Blvd Harlingen Tx 78550 and discover how easy it is to join our supportive family!

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 $0 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine effortlessly processing payments while keeping your customers happy. Our merchant services provide you with tools that simplify transactions and help you manage your business more efficiently. Whether you run a bustling storefront or an online shop, we have solutions that make it easy for your customers to pay. Located conveniently at 1221 Morgan Blvd Harlingen Tx 78550 in Harlingen, TX, we're here to discuss how our tailored services can meet your specific needs. Reach out to us at (956) 423-5792 or visit us online at https://www.rgvcu.coop/ to learn more about how we can partner in your success!

Comprehensive List Of Services

Business Banking Solutions

We understand that running a business comes with its own set of challenges. That's why our business banking services include merchant services and business loans designed to help your company thrive. Whether you're starting a new venture or expanding an existing one, we're here to support your journey.

Community Connection

We're more than just a financial institution; we are part of the community. Our commitment goes beyond banking it's about building lasting relationships with our members in Harlingen and beyond. If you're ready to experience these benefits first-hand or have any questions about how we can assist you further, don't hesitate to reach out! Call us at 956-423-5792, or visit us at 1221 Morgan Blvd in Harlingen. Let us help you take control of your financial future today! Explore all our offerings by visiting our website and see how we can support your financial journey!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Rio Grande Valley Credit Union offers robust online and mobile banking features. You can easily manage your accounts from anywhere at any time. Need cash? Our ATM services allow for quick withdrawals and balance checks whenever you need them. Don't forget about our drive-thru banking! For simple transactions like deposits and withdrawals, our friendly staff is ready to assist you without the need to leave your car. And if you're a member of another participating credit union, our shared branch transactions make accessing your funds easier than ever.

Personal Banking Services

When it comes to personal banking, we offer a variety of options tailored just for you. From checking and savings accounts that make managing your day-to-day expenses easy, to auto loans and vehicle financing that help you get behind the wheel without breaking the bank, we have you covered. Are you thinking about buying a home? Our mortgage loans and refinancing options can guide you through the process smoothly. For those unexpected expenses or plans that require a little extra cash, our personal loans and debt consolidation services provide flexible solutions to help you stay on track financially. Plus, with our credit cards that offer rewards, every purchase can bring you closer to something special.

Digital & Online Banking

Key Features of Our Online Banking Services

With our 24/7 online banking services available at https://www.rgvcu.coop/ , you can access your accounts anytime and anywhere. Need to check your balance? Want to transfer money between accounts? You can do it all with just a few clicks. Plus, our mobile application makes banking from your smartphone simple and efficient. If you prefer going paperless, our e-statements feature allows you to receive your account statements electronically, ensuring that you have easy access while helping the environment. And if you've ever needed to sign a document quickly, our electronic signature authorization makes it simple and secure.

Making Transactions Easy

Sending money to friends or family? With our person-to-person transfers, it's as easy as sending a text. Just a few taps on your mobile device can get the funds where they need to go in no time. Plus, we support mobile payments, so whether you're shopping online or in-store, you can pay quickly and securely using your phone.

Secure and User-Friendly Experience

We prioritize your security at Rio Grande Valley Credit Union. All of our digital banking features are equipped with robust security measures to protect your information. Our user-friendly interface ensures that even those who aren't tech-savvy can navigate their accounts without any hassle. In summary, Rio Grande Valley Credit Union is committed to providing accessible and efficient online banking solutions that cater to your needs. With our comprehensive suite of features designed for real-time account management, you'll have everything you need right at your fingertips!

Financial Strength

Growing Membership Trust

The strength of our financial position is further illustrated by our total share accounts: 33,404, showcasing a strong and growing member base that trusts us with their finances. This trust empowers us to maintain exceptional service standards while expanding our offerings 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, Rio Grande Valley Credit Union is your trusted partner. Visit us at 1221 Morgan Blvd Harlingen Tx 78550 or call 956-423-5792 to learn more about how we can help you achieve your financial goals. *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 Approach

We prioritize our members' needs above all else. Our commitment is reflected in the $17,433,052 in share certificates that secure members' savings while providing stable growth opportunities. Though we do not have any non-member deposits at this time, this allows us to focus our resources entirely on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $14,170,400 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust; with $8,107,938.5 in total loans and leases and $20,375,97 in used auto loans, we are well-equipped to support your financial goals across various sectors.

Solid Financial Foundation

With a net worth of $16,256,889, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.33% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Operational Efficiency

Our operational efficiency is highlighted by a net income of $1,705,036, enabling us to continue offering competitive loan rates and solid financial products for our members. We are proud to employ 42 full-time employees and 5 part-time employees, ensuring that our branches are always ready to serve you with a knowledgeable and committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $37,519,597 in used vehicle loans and $21,585,342 in new vehicle loans already helping members get on the road. Our auto loan options are designed to fit various budgets and lifestyles, making it easier than ever to drive away in your ideal vehicle.

Business Financing

For business owners seeking capital for growth and expansion, our outstanding commercial loans provide essential funding. Although currently no commercial loans are available at our branch, we continually assess opportunities to support local businesses in their financial journeys.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $6,138,684 in loans helping members manage their finances effectively, our credit card offerings provide you with the purchasing power you need while ensuring easy repayment options.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we encourage you to explore our other financing options that can help you find the perfect path toward owning your home.

Refinancing Options

If you're looking to lower your monthly payments or take advantage of better interest rates, refinancing might be a great option for you. We encourage you to reach out to our team for more information on eligibility and how we can assist you in this process. At Rio Grande Valley Credit Union located at 1221 Morgan Blvd, Harlingen TX 78550, we're dedicated to providing personalized service and financial solutions that fit your unique needs. Feel free to contact us at 956-423-5792 for any questions or assistance regarding our loan offerings. 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 we can help make your financial goals a reality today!

Loan Aggregator

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RIO GRANDE VALLEY CREDIT UNION