Introduction
Welcome to Salt Employees, your trusted financial partner located at 801 State Highway 110, Grand Saline, TX 75140. Since our establishment in 1962, we have proudly served the community with a commitment to personal banking solutions tailored just for you. With a membership of 328 individuals, we prioritize your financial well-being and strive to create a supportive environment where your needs come first. At Salt Employees, we understand that each member has unique financial goals. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage financing, and personal loans. Our total assets stand at an impressive $1,564,127, reflecting our stability and dedication to serving you. Furthermore, with total deposits of $341,693 and a net worth of $687,955, you can trust that your money is in safe hands. Our team is led by Patty Carter, our dedicated CEO, alongside board president Paul Rose, who are both passionate about making a positive impact in our community. With just two employees ready to assist you from Monday through Friday between 9:15 AM and 4:15 PM, we ensure personalized service that you can count on. While members can visit us at our branch address, official correspondence should be sent to our mailing address: PO Box 246, Grand Saline, TX 75140. If you're looking for reliable banking solutions or simply want to learn more about what we offer, don't hesitate to reach out. Call us today at 903-962-5870 or drop by our office we're here for you!
Branch History & Mission
Welcome to the heart of community banking at Salt Employees in Grand Saline, TX. Since our founding in 1962, we have proudly served our members with dedication and care. Our journey began with a simple mission: to provide financial services that empower individuals and families while fostering a sense of belonging within our community. Over the years, Salt Employees has grown significantly, now boasting a membership of 328 loyal members. With total assets reaching an impressive $1,564,127, we remain committed to offering personalized banking solutions that cater to our members' needs. Located at 801 State Highway 110, near local landmarks that make Grand Saline a vibrant place to live, our branch stands as a pillar of support for those seeking financial guidance. While members can visit us at 801 State Highway 110, official correspondence should be sent to our mailing address: PO Box 246, Grand Saline, TX 75140. We strive to ensure our services are accessible and straightforward, aligning with our mission of making banking easier for everyone. At Salt Employees, we believe in more than just transactions; we believe in building relationships. Our mission is clear: we aim to provide essential financial services while actively contributing to the welfare of our community. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we offer a range of products designed with you in mind. Our commitment extends beyond finance; we participate in local events and initiatives that uplift and strengthen the fabric of Grand Saline. In today's world, we're also embracing modern advancements. While we currently do not offer ATM or drive-thru services, our focus remains on providing exceptional customer service during lobby hours from 9:15 AM to 4:15 PM, Monday through Friday. We are dedicated to ensuring every member feels valued and understood. As part of our ongoing efforts, we continue to seek partnerships that enhance our offerings and support community outreach projects. Whether it's through educational programs or local sponsorships, we are here to invest in the future of Grand Saline. We invite you to join us at Salt Employees become part of a credit union where your financial well-being is prioritized. Experience the difference that comes with being a member of a community-focused institution. Together, let's build a brighter financial future! For more information or inquiries, feel free to reach out at 903-962-5870.
Branch Location & Accessibility
Call to Action
We invite you to visit Salt Employees today! For any questions or further assistance, feel free to call us at 903-962-5870. Experience the difference of personalized banking with us your financial partner in Grand Saline!
Nearby Landmarks and Accessibility
Our branch is situated near several well-known local landmarks, making it simple to drop by during your day. With ample parking available, you won't have trouble finding a spot. We also prioritize accessibility; our location meets ADA compliance standards, ensuring that everyone can easily access our services.
Operating Hours
We understand that convenience matters. That's why we're open Monday through Friday from 9:15 AM to 4:15 PM. Whether you're managing your savings or looking for guidance on auto loans and mortgages, our friendly staff is ready to assist you during these hours.
Services Offered
At Salt Employees, we pride ourselves on offering a range of services tailored to meet your needs. From checking and savings accounts to vehicle financing and credit cards with rewards, we have something for everyone. While we currently do not have ATM or drive-thru services available, our team is dedicated to providing excellent customer service inside the branch.
Member Eligibility
Becoming a member of Salt Employees means joining a welcoming community that prioritizes your financial well-being. If you live, work, or worship in the Grand Saline area, you're likely eligible to become part of our family. Membership is open to those affiliated with Morton Salt Company and their families, making it easy for you to enjoy all the benefits we offer. As a member, you'll have access to a range of services tailored just for you, including personal banking options, auto loans, and competitive savings accounts. To take the first step toward membership, simply visit us at our branch located at 801 State Highway 110 Grand Saline Tx 75140, or give us a call at (903) 962-5870 for more information. You can also check out the detailed eligibility criteria, which will guide you through everything you need to know about becoming a member. It's an inclusive and straightforward process designed to make your experience as smooth as possible!
Business Banking & Commercial Services
Practical Merchant Services
In addition to loans, our merchant services make it easier for you to manage transactions. Imagine seamlessly processing payments from your customers while keeping track of sales effortlessly. This service not only enhances customer satisfaction but also helps you streamline your operations, giving you more time to focus on what you do best running your business. Located conveniently at 801 State Highway 110 Grand Saline Tx 75140, Grand Saline, TX 75140, we invite you to explore how Salt Employees can empower your business journey. Call us at (903) 962-5870 to learn more about how we can help you thrive!
Tailored 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.
Comprehensive List Of Services
ATM & Cash Withdrawal Services
While we currently do not have ATMs or drive-thru services available at this branch, rest assured that our team is always ready to assist you with cash withdrawal needs during our lobby hours from Monday through Friday between 9:15 AM and 4:15 PM. At Salt Employees, located at 801 State Highway 110 Grand Saline Tx 75140, we strive to create an environment where members feel valued and supported in achieving their financial aspirations. If you'd like more information about any of our services or wish to speak with a representative, please don't hesitate to reach out at (903) 962-5870. We look forward to helping you navigate your financial journey!
Auto Loans & Vehicle Financing
If you're considering purchasing a new car or refinancing an existing vehicle, our auto loans and vehicle financing options can help. We understand that finding the right loan is essential, which is why we offer competitive rates and flexible terms to suit your budget.
Business Banking
For entrepreneurs and business owners, we offer comprehensive business banking services, including merchant services and business loans. We know how vital it is for businesses to have reliable financial support, so we're here to help ensure your success.
Credit Cards with Rewards
Consider enhancing your purchasing power with our credit cards that offer rewards. Earn points on everyday spending, which can be redeemed for travel, merchandise, or cash back making every dollar spent work for you.
Mortgage Loans & Refinancing
Homeownership is a significant step, and at Salt Employees, we support you through it with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our team is here to guide you every step of the way.
Online & Mobile Banking
In today's fast-paced world, convenience matters. Our online and mobile banking features allow you to manage your accounts from anywhere at any time. Check balances, transfer funds, and pay bills with ease all at your fingertips.
Personal Banking
For those looking to manage their everyday finances, our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you need a simple account for daily expenses or a savings account to help you reach your financial goals, we have options that will work for you.
Personal Loans & Debt Consolidation
Life can throw unexpected expenses your way. Our personal loans and debt consolidation services can provide the relief you need when managing larger purchases or combining multiple debts into one manageable payment. We aim to simplify your financial journey.
Digital & Online Banking
At Salt Employees, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a variety of digital and online banking services designed to make managing your finances easier than ever. While we currently do not provide traditional online banking, our commitment to accessibility remains strong. Although features like electronic signature authorization, e-statements, mobile payments, and mobile applications are not available right now, we continuously evaluate ways to enhance your banking experience. Imagine being able to transfer money to friends or family instantly without the need for cash while person-to-person transfers aren't offered at this time, it's something we're exploring for future implementation. Our goal is to provide you with real-time account management and the ability to conduct transactions from the comfort of your home or on the go. We believe that your financial information should always be secure. Although we don't have mobile payment options or a dedicated mobile app just yet, rest assured that your data is handled with care and security as a top priority. Stay tuned for updates! As we continue to evolve our services, our aim is to bring you user-friendly features that enhance your banking experience while keeping things safe and straightforward. We're excited about the possibilities ahead and look forward to providing you with the tools you need for better financial management. For any inquiries or assistance, don't hesitate to reach out to us at (903) 962-5870.
Financial Strength
At Salt Employees, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to providing reliable services is reflected in our strong financial position. With a net worth of $687,955, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further reinforced by our net worth ratio of 43.98%, which ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. Our focus on member benefits is evident with non-member deposits currently at $0, ensuring that our resources are directed towards you through better loan rates, lower fees, and exclusive perks. With $556,109 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We also support your financial goals with $15 in used auto loans and $832,806 in total loans and leases. Our operational efficiency is showcased by our $-$3,188, reflecting our ability to manage resources effectively while continuing to offer competitive loan rates and solid financial products for our members. Furthermore, we take pride in having 1 full-time employees and 1 part-time employees ready to assist you with personalized service. Our total share accounts stand at 328, showcasing a strong and growing member base that trusts us with their finances. The net shares available for lending and investments total $0, indicating the resources we have on hand to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Salt Employees is your trusted partner. Visit us at 801 State Highway 110 Grand Saline Tx 75140 or call (903) 962-5870 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. Loan Offering
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $210,878 in used vehicle loans and $273,503 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you find the right fit for your budget. Whether it's your first car or an upgrade, our team is here to assist you through every step of the process.
Credit Lines and Other Services
For those looking for additional flexibility, we have total credit lines available up to $200,000. This can help with unexpected expenses or provide a safety net during tough financial times. If you're interested in refinancing options or learning more about eligibility requirements for any of our products, please don't hesitate to reach out. For any questions or assistance, feel free to contact us at (903) 962-5870 during our operating hours: Monday through Friday from 9:15 am to 4:15 pm. Remember, 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 Salt Employees, we're dedicated to empowering our members financially and helping them navigate their borrowing needs with confidence.
Mortgage Loans
Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available, our team can guide you through other mortgage solutions that fit your needs.
Unsecured Credit Card Loans
We also offer flexible terms on unsecured credit card loans, though currently, there are no unsecured credit card loans issued at this time. This option allows members to manage expenses with ease while enjoying benefits like rewards and cash back when available.
Loan Aggregator
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