Southwest Heritage Credit Union Odessa TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Southwest Heritage, your trusted financial partner located at 2489 W University Blvd, Odessa, TX 79764. Established in 1949, we've proudly served our community for over seven decades, building a strong foundation of trust and reliability among our 12,936 members. At Southwest Heritage, we believe that your financial journey is as unique as you are. With total assets amounting to an impressive $240,094,189, we offer a comprehensive range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking options. Our commitment is reflected not only in our financial strength but also in the way we treat our members. With a dedicated team of 71 employees, led by our CEO Ronny Haynes and Board President Edgar Baiza Jr., we ensure that every member receives personalized service with a smile. We understand the importance of accessibility, which is why we have an ATM on-site and drive-thru services available for your convenience. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to PO Box 4898, Odessa, TX 79760 if different from the branch address. Join us at Southwest Heritage today and experience the difference that comes from being part of a credit union that truly cares about its members' financial well-being. For more information or to speak with one of our friendly representatives, give us a call at 432-307-6767 or explore our website at southwestheritagecu.com. Your financial future starts here!

Branch History & Mission

At Southwest Heritage, located in the heart of Odessa, TX, our story began in 1949. For over seven decades, we have been dedicated to serving our community and empowering our members. Our branch at 2489 W University Blvd, Odessa, TX 79764 is more than just a financial institution; it's a place where friendships are formed, and financial dreams come to life. Over the years, Southwest Heritage has grown tremendously. Today, we proudly serve 12,936 members, managing total assets of approximately $240,094,189. Our commitment to providing exceptional service has allowed us to build strong relationships within the community. We are here not just to help with banking needs but to support local initiatives and programs that make Odessa a better place for everyone. Our mission is simple yet profound: we aim to provide accessible financial services while fostering a spirit of community support and inclusion. Whether you're looking for personal banking options like checking and savings accounts or more specialized services such as auto loans or mortgage refinancing, we're dedicated to helping you achieve your financial goals. While members can visit us at 2489 W University Blvd, official correspondence should be sent to PO Box 4898, Odessa, TX 79760. We offer convenient operating hours from Monday through Friday from 7:30 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. Our drive-thru service makes it easy for you to manage your transactions on the go. In today's fast-paced world, we've embraced digital advancements to enhance your banking experience. With online banking and mobile applications available, you can manage your finances anytime and anywhere. Plus, our ATM services ensure you have access to cash when needed. Community outreach is at the core of what we do at Southwest Heritage. We believe in building lasting partnerships that enrich the lives of our members and neighbors alike. Through various initiatives, we strive to give back and support those who need it most. Join us at Southwest Heritage and experience a credit union that cares about you. Become part of our family today! For more information or assistance, feel free to call us at 432-307-6767 or visit our website at southwestheritagecu.com. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Comprehensive Banking Services

We offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our ATM is available for quick cash withdrawals and balance checks anytime you need it. While members can visit us at 2489 W University Blvd, official correspondence should be sent to PO Box 4898, Odessa, TX 79760 if necessary.

Convenient Access and Amenities

At Southwest Heritage, we prioritize your comfort and accessibility. Our branch is equipped with features to assist everyone, including ADA-compliant entrances and ample parking spaces to make your visit as smooth as possible. If you're in a hurry or prefer not to enter the branch, we also offer a drive-thru service for quick transactions.

Get in Touch!

If you have questions or need assistance, don't hesitate to call us at 432-307-6767. We're here to help! Come visit us today and discover how Southwest Heritage can support your financial journey.

Operating Hours That Work for You

Our doors are open Monday through Friday from 7:30 AM to 5:30 PM, making it easy for you to stop by on your way to work or during lunch breaks. For those who need services on Saturdays, our drive-thru is available from 9:00 AM to 1:00 PM, giving you more flexibility throughout the week.

Member Eligibility

At Southwest Heritage, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in the Odessa area, you're likely eligible to join us. We also invite family members of current members to become part of our community. This means that when you join, you not only gain access to a variety of financial products but also the personal touch and support from our dedicated team. To learn more about specific eligibility details, we encourage you to check out our website at . When you're ready to open an account, the process is straightforward just visit us at https://www.secure-quotes.com/southwestheritagecu/secure_loan.asp or give us a call at (432) 307-6767. Our friendly staff is here to help you every step of the way as you take this exciting step towards better financial health at Southwest Heritage, located conveniently at 2489 W University Blvd Odessa Tx 79764. Join us today and experience the benefits of being part of our family!

Business Banking & Commercial Services

Practical Merchant Services

We offer practical merchant services designed to simplify your daily operations. Imagine processing transactions seamlessly while focusing on what you do best running your business. Whether you need efficient payment solutions or help managing cash flow, our services are tailored to meet the unique needs of your business. Let's work together to unlock your business potential! For more information, visit us or call us at 432-307-6767.

Supporting Your Business 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.

Comprehensive List Of Services

Additional Services

At Southwest Heritage, we also provide basic drive-thru banking for deposits, withdrawals, and simple transactions. If you prefer accessing funds through ATMs, rest assured that our basic ATM access allows for balance checks and cash withdrawals without any hassle. Our branch at 2489 W University Blvd Odessa TX 79764 is open Monday through Friday from 7:30 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. You can reach us at 432-307-6767 for any inquiries or assistance.

Business Banking

For our business members, we know how important it is to have reliable banking solutions. Our business banking services include merchant services that make transactions seamless for your customers and business loans designed to support your growth.

Call to Action

We invite you to explore all the financial services available at Southwest Heritage. Visit us today or check out our website at southwestheritagecu.com to learn more about how we can help you achieve your financial goals!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we've integrated robust online and mobile banking features into our offerings. You can manage your accounts from anywhere, making it easy to pay bills or transfer money with just a few clicks. Plus, our ATM services ensure that cash withdrawal is accessible anytime you need it.

Personal Banking

When it comes to personal banking, we provide checking and savings accounts that fit your lifestyle. Imagine having a place where you can easily manage your finances while earning interest on your savings. With our auto loans and vehicle financing options, getting behind the wheel of a new car is easier than ever. Our mortgage loans and refinancing services can assist you in finding the perfect home or lowering your current mortgage payments. If you're facing challenges with debt, our personal loans and debt consolidation options are tailored for you. We understand that life happens, and sometimes unexpected expenses arise. That's why we also offer credit cards with rewards, giving you an opportunity to earn benefits on everyday purchases.

Digital & Online Banking

Convenient Features

We know how important it is for our members to have flexibility in their banking. That's why we offer features like person-to-person transfers, which allow you to easily send money to friends and family without any hassle. Plus, with e-statements available, you'll receive your account statements electronically saving trees and making it easy to keep track of your financial activity. For those who prefer using their smartphones, our mobile application offers a convenient way to manage your accounts right from your pocket. While mobile payments are not currently available, you can still enjoy the ease of managing your transactions through our app.

Online Banking Services

Visit us at https://www.southwestheritagecu.com/ to explore our comprehensive online banking options. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Our 24/7 online banking services ensure that your account is always within reach, giving you real-time control over your finances.

Security You Can Trust

Your security is our top priority. At Southwest Heritage, we implement industry-standard measures to protect your personal information and transactions. Although electronic signature authorization is not offered at this time, rest assured that all online interactions are safeguarded with advanced encryption technologies. In a world where convenience meets security, Southwest Heritage is committed to providing you with a banking experience that fits seamlessly into your life. Embrace the ease of digital banking today!

Financial Strength

Commitment to Member Savings

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.

Efficient Operations

Our operational efficiency shines through with a net income of $2,390,664, enabling us to continue offering competitive loan rates and solid financial products for our members. We're also proud to have a dedicated team of 71 full-time employees who are always ready to serve you with knowledgeable support.

Growing Membership Base

Total Share and Deposit Accounts stand at 23,346, reflecting a strong and growing member base that trusts us with their finances. Our net shares currently sit at $0 but allow us the flexibility to lend funds effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Southwest Heritage is your trusted partner. Visit us at 2489 W University Blvd Odessa Tx 79764 or call us at 432-307-6767 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.

Investment in Growth and Security

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 commitment extends to supporting your financial goals: we have $164,526,316 in total loans and leases available for various needs. This includes $1,977 in used auto loans that help members secure vehicles while managing their budgets effectively.

Solid Financial Foundation

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.

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. Whether you're purchasing a brand-new vehicle or opting for a reliable used one, our team is here to assist you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $25,234,317 provide the capital needed to grow and expand. Whether you're looking for funds for equipment purchases or operating expenses, our lending team is dedicated to helping local businesses thrive. At Southwest Heritage, we are committed to providing personalized service and support throughout your borrowing experience. If you're interested in learning more about refinancing options or checking your eligibility for any of our products, feel free to reach out at 432-307-6767 or visit us at 2489 W University Blvd Odessa Tx 79764. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and take the next step toward achieving your financial dreams!

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. We offer various mortgage solutions designed to fit your budget and long-term plans. Our experienced staff can guide you through the application process and help you understand your eligibility options.

Unsecured Credit Cards

Managing daily expenses? 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. These credit cards come with competitive interest rates and rewards programs that can benefit you as you make purchases.

Loan Aggregator

Benefits of Using LendMesh

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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), ensuring fair and transparent offers. This commitment to accuracy means you can trust that the information presented is reliable and up-to-date.

Take Action Today

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.*