Southwest Heritage Credit Union Odessa TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to Southwest Heritage, your trusted partner in financial well-being since 1949. Located at 2809 John Ben Shepperd Pkwy, Odessa, TX 79762, we are proud to serve our community with dedication and care. With over 12,936 members and total assets of $240,094,189, we are committed to providing personalized banking solutions tailored to meet your needs. At Southwest Heritage, we understand that financial decisions can be challenging. That's why our friendly team is here to guide you every step of the way. We offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Whether you're looking to secure a new vehicle or need assistance with debt consolidation, we have options designed just for you. While members can visit us at our branch location for face-to-face service, official correspondence should be sent to our mailing address: PO Box 4898, Odessa, TX 79760-4898. Our dedicated staff, led by CEO Ronny Haynes and Board President Edgar Baiza Jr, is always ready to assist you with any questions or concerns. With total deposits of $26,415,784 and a net worth of $29,819,638, our strong financial foundation ensures that your funds are safe and secure. Plus, with cash in hand totaling $3,146,771, we have the resources necessary to support your financial journey. We invite you to explore all that Southwest Heritage has to offer. Feel free to give us a call at 432-367-8993 or visit our website at southwestheritagecu.com for more information on how we can help you achieve your financial goals. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Commitment

Southwest Heritage is more than just a credit union; it's about building connections within Odessa and beyond. We actively participate in community outreach programs aimed at improving the quality of life for residents. By partnering with local organizations and participating in events throughout the year, we strive to make a positive impact. While members can visit us at 2809 John Ben Shepperd Pkwy, official correspondence should be sent to our mailing address at PO Box 4898, Odessa, TX 79760-4898.

Join Us

As we continue to grow and evolve, we invite you to become part of the Southwest Heritage family. Experience firsthand the benefits of membership where your financial goals are supported with care and dedication. For more information or to open an account today, call us at 432-367-8993 or visit our website. Together, let's build a brighter financial future!

Our Evolution

Since our inception, Southwest Heritage has seen significant milestones that reflect our commitment to providing exceptional service. Initially focused on basic savings and loan products, we have expanded our offerings over the years to include auto loans, mortgage financing, personal loans, and business banking solutions. Today, with total assets amounting to an impressive $240,094,189, we stand as a pillar of financial stability in our community. Our operating hours are convenient for members: Monday through Friday from 8:30 AM to 5:30 PM. Although we do not have ATM services available at this branch location, we offer drive-thru banking for quick and easy transactions. This ensures that your banking experience remains efficient and customer-friendly.

Our Mission

At the core of Southwest Heritage is our mission: to provide not just financial services but also support and enrichment to the lives of those we serve. We believe that by fostering strong relationships within the community, we can help individuals achieve their financial goals while enhancing their overall well-being. We are committed to ensuring accessibility for all members. Our facilities comply with ADA standards and reflect our dedication to being inclusive. Additionally, we leverage technology to enhance member experience through online banking and mobile applications.

Branch Location & Accessibility

Connect with Us

We encourage you to reach out if you have any questions or need assistance. Give us a call at 432-367-8993, and one of our dedicated staff members will be happy to assist you. We look forward to seeing you soon at Southwest Heritage your trusted partner in financial wellness!

Nearby Landmarks and Accessibility

Our branch is situated near familiar landmarks, making it easy for you to stop by while running errands or visiting nearby attractions. Whether you're coming from the Ector County Courthouse or enjoying a day out at the local parks, we are just a short drive away. We take pride in ensuring our branch is accessible to everyone. With ADA-compliant features and ramps available, you can navigate our space with ease. Plus, ample parking is available right outside the door.

Operating Hours and Services

We invite you to visit us during our operating hours from Monday to Friday, 8:30 AM to 5:30 PM. Our friendly team is here to help with a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. If you prefer a quick visit, take advantage of our drive-thru banking for deposits and simple transactions. While we currently do not have ATM facilities on-site, our drive-thru service ensures that your banking experience remains smooth and efficient.

Member Eligibility

At Southwest Heritage, we believe that everyone deserves a chance to be part of a supportive community, and becoming a member is as easy as reaching out to us! If you live, work, or worship in the Odessa area, you're likely eligible to join our family. We welcome individuals who share our values and want to benefit from personalized financial services tailored just for them. Being a member means more than just having an account; it opens up a world of advantages like competitive loan rates and access to exclusive member benefits. To learn more about the specific eligibility criteria, feel free to check out our website at . When you're ready to take the next step, opening an account is straightforward just visit us online at https://www.secure-quotes.com/southwestheritagecu/secure_loan.asp or give us a call at (432) 367-8993. We can't wait to welcome you to Southwest Heritage at 2809 John Ben Shepperd Pkwy Odessa Tx 79762!

Business Banking & Commercial Services

Loan Options for Members

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $205 in commercial loans for our members, helping businesses scale and succeed.

Merchant Services

In addition to loans, we offer merchant services tailored for local businesses. Picture effortlessly processing transactions while keeping track of sales data our tools simplify payments so you can focus on what matters most: serving your customers. Visit us at 2809 John Ben Shepperd Pkwy Odessa Tx 79762, Odessa, TX or call us at (432) 367-8993 to learn more about how we can help your business thrive!

Outstanding Portfolio

With an outstanding commercial loan portfolio of $25,234,317, we continue to drive economic growth by financing new and expanding businesses.

Supporting the Community

We also believe in extending our resources beyond membership: - We support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Comprehensive List Of Services

Business Banking

For small business owners, we offer comprehensive business banking solutions. From merchant services that facilitate smooth transactions for your customers to business loans that fuel growth and expansion, we're committed to supporting local enterprises in Odessa.

Credit Options

Managing credit wisely is essential in today's world. At Southwest Heritage, we provide credit cards with rewards that let you earn points on everyday purchases. This way, you can get more from your spending while building a strong credit history.

Digital Banking Convenience

In this digital age, convenience is key. That's why we offer robust online and mobile banking services. You can access your accounts anytime, anywhere whether it's checking your balance on the go or transferring money between accounts with just a few clicks. Our online platform even supports person-to-person payments for easy transfers between friends and family.

Personal Banking Solutions

When it comes to personal banking, we have you covered with various checking and savings accounts tailored to fit your lifestyle. Need to make a quick deposit or withdrawal? Our drive-thru service makes it easy for you to handle those simple transactions without leaving your car. If you're considering buying a car or need assistance with vehicle financing, our auto loans are designed to make the process straightforward and hassle-free. We also offer mortgage loans and refinancing options, ensuring that owning your dream home is within reach. For those unexpected expenses or plans that require extra funds, our personal loans can help you consolidate debt or cover costs.

Support When You Need It

Our branch hours are convenient for busy lifestyles; we're open Monday through Friday from 8:30 AM to 5:30 PM. If you have questions or need assistance, don't hesitate to reach out at 432-367-8993. Whether you're looking for personal banking solutions or business support, Southwest Heritage is here for you every step of the way. Visit us today and discover how we can help fulfill your financial needs! For more information about our services and how to get started, check out our website at southwestheritagecu.com.

Digital & Online Banking

Key Features

Our mobile application is another great way to stay connected to your accounts. You can download it easily and enjoy features like person-to-person transfers, allowing you to send money to friends or family quickly and securely. Plus, with our option for e-statements, you can opt for paperless billing saving trees while keeping your information secure. While we don't currently offer mobile payments, rest assured that our online banking system is fortified with the latest security measures. Your personal information remains protected as you navigate through transactions. Additionally, even though we do not support electronic signature authorization right now, we strive to provide an easy experience for all members. Whether you're at home or out and about, Southwest Heritage makes it simple to manage your financial needs with ease. Join us today and explore how our digital banking services can work for you!

Financial Strength

At Southwest Heritage, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to maintaining a strong financial foundation that empowers us to serve you better. With a net worth of $29,819,638, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.42% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $61,977,194 in share certificates and $22,049,391 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,220,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $27,374,417 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our ability to support your financial needs is further evidenced by our robust lending capacity: we have issued $164,526,316 in total loans and leases and currently hold $1,977 in used auto loans. Our financial performance is reflected in our net income of $2,390,664, showcasing our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 71 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southwest Heritage is your trusted partner. Visit us at 2809 John Ben Shepperd Pkwy Odessa Tx 79762 or call 432-367-8993 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. We have facilitated $55,110,452 in used vehicle loans and $38,499,167 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates that make it easier for you to drive away with the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $25,234,317 provide the capital needed to grow and expand your business. Whether you're looking to invest in new equipment or cover operational costs, we have options available.

Credit Lines

With a total credit line offering of $48,302,172, we provide financial flexibility for those unexpected expenses that life throws your way. This option allows you to borrow as needed while only paying interest on what you use. If you're interested in refinancing options or want to learn more about eligibility requirements for any of these products, don't hesitate to reach out! You can visit us at our branch located at 2809 John Ben Shepperd Pkwy Odessa Tx 79762, or give us a call at 432-367-8993 during our lobby hours from Monday through Friday between 8:30 AM and 5:30 PM. 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 Southwest Heritage, we're committed to supporting your financial journey with transparent and accessible loan solutions tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $501,825, make buying or refinancing simple. Our team is here to guide you through every step of the process to ensure you find the right loan for your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $1,416,692 in loans helping members manage their finances effectively, our credit cards come with benefits that can fit into your lifestyle.

Loan Aggregator

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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 ensures that all offers presented are fair and transparent, giving users peace of mind when making important financial decisions.