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

Introduction

Welcome to Southwest Heritage, your trusted community partner located at 930 W University Blvd, Odessa, TX 79764. Since our establishment in 1949, we have proudly served our members, growing to a vibrant community of over 12,936 individuals who rely on us for their financial needs. With total assets exceeding $240 million, we are committed to ensuring that your money not only stays safe but grows through competitive rates and personalized services. At Southwest Heritage, we understand the importance of building strong relationships within our community. This is why we offer a variety of services tailored to meet your needs, from checking and savings accounts to auto loans and mortgage financing. Our dedicated team, led by CEO Ronny Haynes and Board President Edgar Baiza Jr., is here to guide you through every step of your financial journey. For any official correspondence, please note that while you can visit us at our branch location, you may also reach us via our mailing address: PO Box 4898, Odessa, TX 79760-4898. With total deposits amounting to $26,415,784 and a robust net worth of $29,819,638, we take pride in being a reliable choice for your banking needs. We invite you to explore what we have to offer by visiting our website at southwestheritagecu.com or giving us a call at (432) 580-7108. Join us today and experience the Southwest Heritage difference!

Branch History & Mission

At Southwest Heritage, we take pride in our rich history and commitment to our community. Founded in 1949, our branch has been a vital part of Odessa, TX, for over seven decades. Nestled at 930 W University Blvd, just a stone's throw from local landmarks like the University of Texas Permian Basin, we've watched our community grow and evolve alongside us. Today, we serve 12,936 members and manage assets totaling $240,094,189. Our mission is simple yet profound: to empower our members with financial services that enhance their lives while fostering community support and growth. We understand that banking is not just about transactions; it's about building relationships. Whether you're looking for personal banking options like checking accounts and loans or business solutions such as merchant services, we strive to meet your needs with care and respect. While members can visit us at 930 W University Blvd, official correspondence should be sent to PO Box 4898, Odessa, TX 79760-4898. Our operating hours are Monday through Friday from 8:30 AM to 5:30 PM, ensuring we're here when you need us. We also offer convenient drive-thru banking for quick deposits and withdrawals. Over the years, we've embraced innovation while staying true to our roots. Our branch may not have ATMs available on-site; however, we provide online banking services that allow you to manage your finances anytime, anywhere. We pride ourselves on being ADA compliant, ensuring accessibility for all our members. Community engagement is at the heart of what we do. From supporting local events to partnering with organizations that uplift those in need, Southwest Heritage is dedicated to making a positive impact in Odessa and beyond. We invite you to join us at Southwest Heritage. Experience the difference of being part of a credit union that truly cares about its members and community. Together, we can build a brighter financial future! For more information or to become a member today, call us at 432-580-7108 or visit our website at southwestheritagecu.com.

Branch Location & Accessibility

Welcome to the Southwest Heritage branch, your friendly financial partner located at 930 W University Blvd in Odessa, TX. We're proud to serve our members in Ector County and beyond with a commitment to providing convenient banking solutions. Nestled near local landmarks, our branch is easy to find and access. Whether you're coming from the bustling downtown area or just passing through, our location is designed for your convenience. We understand that accessibility matters, which is why our branch features ADA-compliant ramps and ample parking space to accommodate all visitors. At Southwest Heritage, we want you to feel at home when you visit. Our lobby hours are from 8:30 AM to 5:30 PM, Monday through Friday. If you're on the go, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle. While we currently do not offer ATM services, our dedicated staff is always ready to assist you with your banking needs inside the branch. If you need to send us any official correspondence, please use our mailing address: PO Box 4898, Odessa, TX 79760-4898. For immediate assistance or inquiries, don't hesitate to give us a call at 432-580-7108. We invite you to stop by and discover how we can help you achieve your financial goals. Your journey towards better banking starts here at Southwest Heritage!

Member Eligibility

At Southwest Heritage, we believe that everyone deserves access to financial services in a welcoming community. Becoming a member is simple and inclusive! If you live, work, worship, or attend school in the area surrounding 930 W University Blvd Odessa Tx 79764, you're already eligible to join our family. We pride ourselves on providing personalized support and a range of benefits tailored to your needs, from competitive loan rates to friendly service that makes banking feel less intimidating. To get started, just visit us or give us a call at (432) 580-7108 for more information about how to open an account easily. You can also check out the detailed eligibility criteria on our website at . Joining Southwest Heritage means becoming part of a caring community where your financial well-being is our priority!

Business Banking & Commercial Services

Loan Options for Growth

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

Merchant Services Designed for You

Imagine having the tools to streamline payments and enhance customer satisfaction all while keeping your cash flow healthy. Our merchant services offer just that. Whether you're a small shop or a larger enterprise, we provide easy payment solutions that cater to your needs, allowing you to focus on what matters most: growing your business. Visit us at 930 W University Blvd Odessa Tx 79764 or give us a call at (432) 580-7108 to learn more about how we can help your business succeed!

Comprehensive List Of Services

Additional Services

We also provide essential ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals. This means whether you prefer banking from home or on-the-go, we've got options for you. If you're curious about any of these services or want more information, feel free to reach out at 432-580-7108 or visit us online at southwestheritagecu.com. Join us at Southwest Heritage where our mission is to empower you with the financial tools necessary for success!

Business Banking Support

For local businesses, we understand the importance of having reliable financial support. Our business banking services include merchant services and business loans designed to help your enterprise thrive. Whether you're starting a new venture or expanding an existing one, we are here to assist you every step of the way.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking solutions. Easily access your accounts, transfer funds, and pay bills right from your device anytime, anywhere! With features like person-to-person payments, managing your finances has never been easier.

Personal Banking Solutions

Managing your finances should be easy and accessible. That's why we offer checking and savings accounts that fit various lifestyles. Imagine having the flexibility to manage your money online or through our mobile banking app it's as convenient as it gets! You can also set up automatic transfers to help you save effortlessly. When it comes to vehicles, our auto loans and vehicle financing options make purchasing a new car straightforward. Picture yourself cruising in that dream car with an affordable loan that suits your budget. If you're a homeowner or looking to become one, explore our mortgage loans and refinancing services designed to simplify the home-buying process.

Personal Loans Made Easy

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can provide the financial relief you need. You can consolidate multiple debts into one manageable payment, making it easier to get back on track financially. Don't forget about our credit cards with rewards! These cards not only help you manage daily purchases but also offer benefits that can add value to your spending.

Digital & Online Banking

Key Features for You

With our 24/7 Online Banking Services, you can check balances, transfer funds, and pay bills whenever it suits you. No need to wait in lines or adjust your schedule; everything is just a click away! For those who prefer mobile access, our Mobile Application is available, making it even easier to manage your finances from your smartphone. Need to send money to a friend? Our Person-to-Person Transfers feature allows you to quickly and securely send funds without any hassle. Plus, if you want to keep track of your spending, opt for E-Statements, which provide an easy way to view your account activity without the clutter of paper statements.

Security and Ease of Use

We prioritize your security. While we do not currently offer electronic signature authorization, rest assured that our online banking tools are designed with robust security measures in place. You can enjoy peace of mind knowing that your information is protected while you manage your accounts. Our digital banking services are user-friendly and accessible, ensuring that members of all ages can navigate them easily. With real-time account management at your fingertips, staying on top of your finances has never been more straightforward. Experience the ease and efficiency of banking from home or wherever life takes you with Southwest Heritage's digital services. Join us today!

Financial Strength

Growing Membership Trust

Total Share and Deposit Accounts stand at 23,346, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $0. 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 930 W University Blvd Odessa Tx 79764 or call (432) 580-7108 to learn more about how we can help you achieve your financial goals.

Investing in Our Future Together

With $27,374,417 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is supported by $1,977 in used auto loans and $164,526,316 in total loans and leases, empowering you to achieve your financial goals across various sectors. Our operational efficiency is reflected in our $2,390,664, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 71 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

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.

Strong Financial Health

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 $1,242 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $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 to make car ownership accessible for everyone.

Business Financing

For business owners, our outstanding commercial loans totaling $25,234,317 provide the capital needed to grow and expand. We are dedicated to supporting local businesses with financing solutions that help them thrive in today's market. At Southwest Heritage in Odessa, TX (930 W University Blvd), we pride ourselves on providing exceptional service tailored to each member's financial situation. If you're interested in learning more about refinancing options or eligibility requirements for any of our loan products, feel free to reach out at 432-580-7108. We're here to help! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Whether you're purchasing a new home or looking to refinance an existing mortgage, our knowledgeable team is here to guide you every step of the way.

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. This can be an excellent option for those looking to consolidate debt or cover unexpected expenses without collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from reputable financial institutions, guaranteeing transparency in what you see. - No Sponsored Listings: Unlike some platforms, LendMesh does not prioritize lenders based on paid promotions. The goal here is simple provide unbiased results to help users make informed choices. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to compare options effectively and choose what works best for their financial needs. 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!" Such testimonials highlight the real-world impact that accurate comparisons can have on individuals seeking loans. Ready to take control of your borrowing? Compare real-time loan offers today at LendMesh and find the best rates for your needs. *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 approach ensures that users receive fair and transparent offers when comparing loans. Each listing is meticulously vetted to confirm its legitimacy, fostering trust among users.