Rio Grande Valley Credit Union San Benito TX | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Rio Grande Valley Credit Union, your trusted financial partner in the heart of San Benito, TX. Since our establishment in 1954, we have been dedicated to serving our community with integrity and commitment. Located at 345 N Williams Rd, San Benito, TX 78586, we take pride in offering a wide range of banking services tailored to meet your needs. With over 17,470 members, we are more than just a credit union; we are a family. Our total assets amount to an impressive $157,314,499, showcasing our stability and reliability as your go-to financial institution. We understand the importance of providing accessible financial solutions, which is why we offer personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our CEO, Sherilyn Goad, alongside Board President David Jones, leads a dedicated team of 47 employees who are committed to ensuring you receive top-notch service every time you visit us. We believe in creating lasting relationships with our members by listening to your needs and helping you achieve your financial goals. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at 1221 Morgan Blvd, Harlingen, TX 78550. Whether you're looking to apply for a loan or simply inquire about our services, don't hesitate to reach out! Give us a call at 956-423-5792 or visit our website at rgvcu.coop for more information. Join us today and experience the difference that comes from being part of the Rio Grande Valley Credit Union community!

Branch History & Mission

At the heart of San Benito, Texas, lies the Rio Grande Valley Credit Union, a beacon of community support and financial empowerment since its inception in 1954. With over six decades of dedicated service, our branch has grown from humble beginnings to serve a vibrant membership base of over 17,000 individuals. Located at 345 N Williams Rd, our branch is easily accessible for all members, welcoming you to experience personalized banking that truly cares. Our mission extends beyond traditional banking; we aim to enhance the lives of our members by providing exceptional financial services while fostering a sense of belonging within the community. We believe that strong financial health leads to stronger communities. Our commitment is reflected not only in our services ranging from personal and business banking solutions to auto loans and credit cards but also in our active participation in local outreach initiatives. As we evolved, we've embraced technological advancements to better serve our members. Today, we offer online and mobile banking options, allowing you to manage your finances conveniently from anywhere. Our branch is equipped with ADA-compliant features, ensuring that everyone can access our services without barriers. Additionally, we provide ATM services and drive-thru banking for those who prefer quick transactions on the go. While members can visit us at 345 N Williams Rd San Benito Tx 78586, official correspondence should be sent to 1221 Morgan Blvd, Harlingen, TX 78550. This dual-address strategy ensures that all your needs are met promptly. Our total assets now exceed $157 million, a testament to the trust placed in us by our members. This growth enables us to continually invest in enhancing our offerings and supporting local initiatives that uplift our community. We pride ourselves on being more than just a financial institution; we're your partners in achieving financial goals and dreams. Join us as we continue this journey together. Experience the benefits of being part of the Rio Grande Valley Credit Union family where your aspirations are nurtured with care and dedication. Whether you're looking for loans or savings options, we invite you to reach out at 956-423-5792 or visit us during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 8 AM to 12 PM. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Rio Grande Valley Credit Union, conveniently located at 345 N Williams Rd in San Benito, TX! We pride ourselves on being easily accessible for all our members. Nestled near local favorites and community landmarks, our branch is here to serve you with a personal touch. If you need to send us any official correspondence, please use our mailing address: 1221 Morgan Blvd, Harlingen, TX 78550. While you're here at our branch, you'll find ample parking available, making your visit even more convenient. Our location is fully equipped with ADA-compliant features, ensuring that everyone can easily access our services. We are committed to providing exceptional service during our lobby hours. You can visit us Monday through Friday from 9 AM to 5 PM, with extended drive-thru hours available from 7:30 AM to 6 PM on weekdays and Saturday from 8 AM to 12 PM. Whether you're stopping by for everyday banking needs or seeking advice on loans and financial planning, our friendly staff is ready to assist. At Rio Grande Valley Credit Union, we offer a range of services tailored to fit your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions designed just for you. Need cash? Our ATM is readily available for quick withdrawals and balance checks. Don't hesitate to reach out! For any inquiries or assistance, feel free to call us at 956-423-5792. We look forward to welcoming you at our San Benito branch soon!

Member Eligibility

At Rio Grande Valley Credit Union, we believe that becoming a member is like joining a caring family where everyone looks out for one another. If you're interested in joining us, eligibility is simple and welcoming. Generally, if you live, work, worship, or attend school in the communities we serve, you're likely eligible to become a member. Our friendly team is here to help you navigate through the membership process and answer any questions you might have. For detailed criteria and the most up-to-date information, feel free to check out our website at http://www.rgvcu.coop/membership/. Getting started with your membership at Rio Grande Valley Credit Union is easy! Once you know you're eligible, opening an account can be done quickly by reaching out to us at (956) 423-5792 or visiting us at our branch located at 345 N Williams Rd San Benito Tx 78586. We're excited to welcome you into our community and help you take advantage of all the benefits that come with being a member. From personalized banking solutions to great rates on loans and savings, being part of Rio Grande Valley Credit Union means having a supportive partner in your financial journey.

Business Banking & Commercial Services

Business Loan Options

Imagine securing the capital needed to open a new location or invest in equipment that could boost your productivity. 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

In addition to loans, we offer comprehensive merchant services tailored for your business needs. Imagine being able to accept payments quickly and securely through various channels whether online or in-person. This not only improves customer satisfaction but also streamlines your cash flow. Located at 345 N Williams Rd San Benito Tx 78586 in San Benito, TX, we're here to help you navigate the complexities of business financing. Contact us today at (956) 423-5792 or visit our website for more information on how we can assist your business thrive!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer tailored business banking services including merchant services and business loans. We aim to support local businesses in achieving their goals with financial products designed specifically for them.

Convenient Digital Banking

In today's fast-paced world, having access to your finances anytime is crucial. Our online and mobile banking platforms make it easy for you to manage your accounts from anywhere. You can check balances, transfer funds, and even pay bills right from your smartphone or computer. With features like ATM access and cash withdrawal services available at our locations, banking has never been more convenient.

Drive-Thru & ATM Services

If you're on the go but need quick access to cash or want to handle simple transactions without stepping inside the branch, take advantage of our drive-thru banking services. Whether it's deposits or withdrawals, we've got you covered! We also have ATMs available for basic access including balance checks and cash withdrawals. With all these services under one roof at Rio Grande Valley Credit Union, we're committed to making banking easy and accessible for everyone in the community. For any questions or assistance, feel free to reach out at 956-423-5792 or visit us online at www.rgvcu.coop. Join us today and experience the difference of being a member!

Personal Banking

We understand that every member has unique financial goals. That's why our personal banking services include checking and savings accounts designed to fit your lifestyle. Need help with budgeting? Our savings accounts can help you set aside money for future needs while earning interest. When it comes to financing your next vehicle, we offer auto loans and vehicle financing options that make it easier than ever to hit the road. Our competitive rates ensure you can drive off in style without breaking the bank. If you're looking to buy a home or refinance your current mortgage, our mortgage loans and refinancing services provide flexible solutions that suit your budget. Additionally, life can throw unexpected expenses your way. That's where our personal loans and debt consolidation options come in handy, allowing you to manage costs efficiently and with peace of mind. Plus, our credit cards with rewards let you earn points on everyday purchases it's like getting paid to shop!

Digital & Online Banking

Key Features of Our Online Banking Services

Our online banking services allow you to handle your financial tasks quickly and securely. You can view your account balances, transfer funds, and pay bills all from the comfort of your home or anywhere else you might be. Plus, with features like electronic signature authorization, signing documents is quick and hassle-free. If you prefer to keep track of your transactions without paper clutter, take advantage of our e-statements feature. Not only does this save trees, but it also ensures that you have immediate access to your statements whenever you need them. For those who are always on the move, our mobile application makes banking even easier. You can manage your accounts, make mobile payments, and even send money to friends and family through person-to-person transfers right from your smartphone.

Security and Accessibility

At Rio Grande Valley Credit Union, we prioritize your security. Our online banking platform uses advanced encryption to keep your information safe. You can rest assured knowing that your personal data is protected while you manage your finances. Whether you're making everyday transactions or larger payments, our services are designed for ease of use. With just a few clicks, you can handle all of your banking needs anytime, anywhere. Join us today and discover how Rio Grande Valley Credit Union's digital banking services can simplify your life while keeping your finances secure! For more information on how to get started, visit us at https://www.rgvcu.coop/.

Financial Strength

Building Trust Together

With a total of 33,404 accounts, it's clear that many trust us with their finances. This growing member base reinforces the strength of Rio Grande Valley Credit Union, as we work tirelessly 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 345 N Williams Rd San Benito Tx 78586 or call (956) 423-5792 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 42 full-time employees and 5 part-time employees ready to assist you. Our knowledgeable team is always here to provide support when you need it most.

Member-Centric Savings

Members' savings are secured through $17,433,052 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to secure savings allows us to prioritize your needs above all else. Unlike traditional banks, we focus on benefiting our members directly. With non-member deposits at $0, we ensure that our resources are dedicated to 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, stronger lending options, and enhanced security measures to serve our members better. Our dedication to your success means continually improving our offerings.

Solid Financial Health

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 $1,033 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supportive Lending Capacity

Our lending capacity is robust with $2,037 in used auto loans and $81,079,385 in total loans and leases. This range of lending options supports various financial goals within our community. Additionally, our operational efficiency is reflected in our $1,705,036, enabling us to continue offering competitive loan rates and solid financial products for our members.

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, we're ready to assist you in finding the right financing option that fits your budget.

Credit Lines and Unsecured Loans

If you need additional financial flexibility, consider our credit lines. With a total of $4,000,000 available, you can access funds when you need them most without the hassle of traditional loans. Additionally, 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide flexible terms to ensure you can find the best fit for your situation. Currently, our Junior Lien 1-4 Family Residential Properties loans total $0, making it easier than ever to invest in your future.

Refinancing Options

If you're looking to lower your current interest rates or consolidate debt, our refinancing options may be the perfect solution for you. We encourage all members to explore eligibility options that could lead to significant savings. At Rio Grande Valley Credit Union, we're dedicated to providing personalized service and support throughout your borrowing journey. Whether you're visiting us at our branch located at 345 N Williams Rd San Benito Tx 78586, San Benito, TX, or reaching out via phone at (956) 423-5792, our team is here to guide you every step of the way. 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 achieve your financial goals today!

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