South Texas Credit Union Weslaco TX | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to South Texas, your trusted financial partner located at 401 N Westgate Dr, Weslaco, TX 78596. Established in 1952, we have been dedicated to serving our members with a community-focused approach for over seven decades. Our commitment to your financial well-being is reflected in our substantial assets of $62,499,163 and total deposits of $11,604,766. With a growing membership base of 7,765 individuals, we pride ourselves on creating an environment where everyone feels valued. Whether you're seeking personal banking solutions like checking and savings accounts or looking for financing options such as auto loans and mortgages, South Texas has you covered. We also provide business banking services that can help local enterprises thrive. While members can visit us at our branch address, official correspondence should be sent to our mailing address at PO BOX 3309, McALLEN, TX 78502. Our team of 23 employees, led by CEO Gerardo Paz and Board President Norma Saenz, is here to assist you with personalized service tailored to your unique needs. At South Texas, we understand the importance of having access to your funds when you need them most. That's why we offer convenient services like online banking and ATM access. With cash reserves totaling $935,427, we ensure that your money is safe and readily available. We invite you to explore what South Texas can do for you! Visit us today or call us at 956-969-2595 for more information about our services. Your financial journey starts here!

Branch History & Mission

Community Commitment

We understand that a thriving community is built on strong relationships. That's why South Texas actively participates in local events and initiatives aimed at improving the quality of life for all residents. Our member-centric approach means that every decision we make is influenced by what's best for you and your neighbors. With an ATM available for quick access to cash and customer-focused services like online banking and mobile applications, we are here to make your banking experience as convenient as possible.

Join Us Today!

We invite you to become part of our journey at South Texas. Experience firsthand how we blend tradition with innovation for the benefit of our members. Together, let's build a brighter financial future! For more information or to open an account, call us at (956) 969-2595 or visit us online at South Texas.

Our Journey

Since our founding, South Texas has continuously evolved to meet the needs of our community. We have embraced advancements in technology while maintaining our commitment to personal service. This balance allows us to offer modern banking solutions alongside the friendly face-to-face interactions that our members value. Our operating hours reflect our dedication to serving you: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday mornings until noon. For those who prefer convenience, we also provide drive-thru banking from 8:00 AM to 6:00 PM on weekdays. While members can visit us at 401 N Westgate Dr Weslaco Tx 78596, official correspondence should be sent to PO BOX 3309, McALLEN, TX 78502.

Our Mission

At the core of South Texas is a mission dedicated to empowering individuals and families through accessible financial services. We believe that everyone deserves the chance for financial stability and growth. From checking and savings accounts to auto loans and credit cards with rewards, our offerings are designed with your needs in mind. But our mission extends beyond just financial products; we are committed to uplifting our community. Through various outreach efforts and partnerships with local organizations, we strive to make a positive impact in Weslaco and surrounding areas.

Branch Location & Accessibility

Welcome to South Texas, your friendly neighborhood credit union located at 401 N Westgate Dr, Weslaco, TX 78596! We are proud to be a part of this vibrant community in Hidalgo County. Whether you're stopping by for personal banking or simply looking for advice on your financial journey, our branch is conveniently positioned to serve you. If you're coming from nearby landmarks like the Weslaco Public Library or the beautiful Frontera Audubon Society, you'll find us just a short drive away. Our location offers ample parking and is designed with accessibility in mind, ensuring that everyone can enjoy our services comfortably. At South Texas, we understand that life can get busy. That's why we're here to make banking as easy as possible. Our lobby hours are Monday through Thursday from 9:00 am to 5:00 pm, and on Fridays, we stay open a bit later until 5:30 pm. Need to stop by on Saturday? We're open from 9:00 am to 12:00 pm! For those who prefer the convenience of drive-thru banking, you can visit us Monday through Friday from 8:00 am to 6:00 pm. We also have an ATM available for quick cash withdrawals and balance checks whenever you need them. At South Texas, we offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and more all designed to fit your financial needs. While members can visit us at our Weslaco location for all their banking needs, please note that any official correspondence should be sent to our mailing address at PO BOX 3309, McALLEN, TX 78502. Feel free to give us a call at 956-969-2595 if you have any questions or need assistance. We look forward to welcoming you into our branch soon!

Member Eligibility

Becoming a member of South Texas means joining a warm, supportive community where your financial needs are prioritized. To be eligible, you simply need to live, work, worship, or attend school in the areas we serve. This opens the door for many to enjoy the benefits of membership, which includes access to personalized services and competitive rates tailored just for you. If you're curious about the specific eligibility criteria, feel free to check out more details. Once you know you qualify, opening an account is a breeze! Just visit us at our location at 401 N Westgate Dr Weslaco Tx 78596, or give us a call at (956) 969-2595. We're here to guide you through each step of the process and ensure that your experience is as smooth and welcoming as possible. Whether you're looking for checking and savings accounts or loans, becoming a member of South Texas is a wonderful way to take charge of your financial future! For more information on how to open an account, check out this link: https://www.loanliner.com/loanrequest/presenter/loanform?cuid=04205649&loanformid=1942211920176152532&channelid=0643218900177045423&locationid=0643218900177045423&isframed=f.

Business Banking & Commercial Services

Business Loans Tailored for Growth

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. For those who are not yet members, we also support the broader community with $0 in non-member commercial loans, providing flexible financing solutions tailored to various needs.

Merchant Services That Simplify Transactions

When it comes to managing your cash flow, our merchant services offer practical benefits. Imagine a local café that wants to streamline payments our solutions allow them to accept credit cards easily, ensuring that they never miss a sale. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Whether you're looking for a loan or need help with payment processing, South Texas is here to support your journey every step of the way. Contact us today at (956) 969-2595 to learn more about how we can assist your business!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer tailored services like Merchant Services & Business Loans. This support helps local businesses thrive and grow in our community. Whether you're a startup or an established company, we're here to assist every step of the way.

Convenient Access and Support

We know convenience is key in today's fast-paced world. That's why we offer Online & Mobile Banking that allows you to manage your accounts on-the-go. Plus, with our ATM & Cash Withdrawal Services available 24/7, accessing your funds has never been easier. Need assistance? Our friendly staff is ready to help with Basic Drive-Thru Banking, where you can handle deposits, withdrawals, and simple transactions efficiently. If you're ever unsure about what service fits your needs best, don't hesitate to reach out! Call us at (956) 969-2595, and one of our team members will gladly guide you through the options available at Branch Office. In summary, at South Texas, we strive to empower our members with comprehensive financial services that enhance their lives. Explore all we have to offer today by visiting us or checking out our website at https://southtexasfcu.com/. Your financial journey starts here!

Financial Assistance and Credit Options

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services help you manage those costs without stress. With flexible terms and competitive interest rates, we aim to provide solutions that work for you. Don't forget about our Credit Cards with Rewards! These cards not only help with everyday purchases but also offer rewards that can add up quickly think cash back or travel points!

Personal Banking Solutions

We understand that managing your finances can be challenging. That's why our personal banking services include Checking & Savings Accounts that offer flexibility and convenience. Imagine having your savings grow while enjoying easy access through online and mobile banking. You can check your balance or transfer funds from anywhere, anytime. For those considering a new vehicle, our Auto Loans & Vehicle Financing options make it easier than ever to drive away in the car you want. We also provide competitive rates on Mortgage Loans & Refinancing, ensuring that whether you're buying your first home or looking to refinance your existing mortgage, you find the perfect fit.

Digital & Online Banking

24/7 Access

With 24/7 online banking services, you can manage your accounts at any time of day or night. Whether you're an early bird or a night owl, your financial needs are always within reach. So go ahead and take control of your finances with confidence knowing that South Texas has got your back! Explore more about what we offer by visiting us at https://southtexasfcu.com/ today!

Key Features

Managing your money has never been easier! Our online banking includes features like E-Statements, allowing you to receive your account statements electronically. This not only helps you stay organized but also reduces paper clutter while ensuring that you have quick access to important documents whenever you need them. If you're on the go, you'll appreciate our mobile application. With it, you can perform transactions right from your smartphone or tablet. Plus, if you ever need to send money to friends or family, our person-to-person transfers make it simple and fast no need for cash or checks!

Security Matters

At South Texas, we prioritize your security. We employ advanced measures to protect your information and transactions while you're online. While we currently do not offer electronic signature authorization, rest assured that every aspect of our digital banking is designed with your safety in mind.

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 13,106, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $25,333 further exemplifies our capability to support the needs of our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, South Texas is your trusted partner. Visit us at 401 N Westgate Dr Weslaco Tx 78596 or call (956) 969-2595 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $1,800,815 in share certificates and $1,442,947 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $17,976 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 14 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $4,884,098 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 $601 in used auto loans and $33,271,473 in total loans and leases.

Strong Financial Health

With a net worth of $5,631,540, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation reflects our commitment to serving you effectively and ensuring your savings are secure. Our net worth ratio of 8.99% demonstrates a robust capital structure. This means that even in uncertain economic times, we can continue providing loans, competitive savings rates, and uninterrupted services to 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 $11,067,336 in used vehicle loans and $9,755,955 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you can find an option that suits your budget.

Credit Lines

For those who need more flexibility in their borrowing options, our credit lines amounting to $5,072,000 are here for you. They provide quick access to funds whenever you need them.

Mortgage Loans

Thinking about homeownership? While we currently don't have Junior Lien 1-4 Family Residential Properties loans available totaling $0, we strive to make buying or refinancing simple and straightforward. Keep an eye on our mortgage offerings as they evolve to meet your needs.

Refinancing Options

If you're considering refinancing existing debts or exploring eligibility options for any of our loans, we encourage you to reach out. Our team is ready to assist you in finding the best solutions tailored to your situation. You can contact us at 956-969-2595 or visit us at 401 N Westgate Dr Weslaco TX 78596 for more information about 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. Whether it's financing your next vehicle or managing daily expenses with a credit line or card, South Texas is here to support you every step of the way!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,043,067 in loans helping members manage their finances effectively. These cards can be a great way to handle unexpected expenses or consolidate debt without needing collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, guaranteeing transparency and reliability. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the true market. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, empowering users to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective LendMesh is in helping consumers navigate their borrowing options. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. 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.

Ensuring 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 rigorous sourcing ensures that all loan offers presented are not only valid but also fair and transparent. Users can trust that they are viewing authentic rates from reputable lenders.

SOUTH TEXAS FEDERAL CREDIT UNION - Weslaco, TX

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