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

Introduction

At Southwest Heritage, we believe that strong communities are built on trust and support. Since our founding in 1949, we have been dedicated to serving the financial needs of our members in Odessa, TX and beyond. Located at 4100 N Faudree Rd, we provide a welcoming space where you can manage your finances with confidence. With over 12,900 members counting on us, we take pride in being a reliable partner for your banking needs. Our total assets stand at an impressive $240,094,189, which allows us to offer a range of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgages. We understand that each member's journey is unique, and our team is here to guide you every step of the way. Our leadership reflects our commitment to excellence. Under the guidance of CEO Ronny Haynes and Board President Edgar Baiza Jr., we strive to create an inclusive environment that puts our members first. Whether you're looking for assistance with loans totaling 5,590 or managing your deposits, currently at $26,415,784, we are here to help. While members can visit us at our branch location, official correspondence should be directed to our mailing address at PO Box 4898, Odessa, TX 79760. Feel free to reach out by phone at 432-250-6040 or explore more about us online at southwestheritagecu.com. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

Community Impact

Our commitment extends beyond mere financial services. Southwest Heritage actively engages in community outreach efforts aimed at enhancing the lives of those we serve. Through partnerships with local organizations and initiatives designed to support education and wellness, we strive to create a positive impact in Odessa and surrounding areas. While members can visit us at 4100 N Faudree Rd, official correspondence should be sent to our mailing address at PO Box 4898, Odessa, TX 79760.

Join Us

As we look toward the future, we invite you to become part of the Southwest Heritage family. Experience the benefits of membership, where your needs come first. Whether you're looking for savings accounts, loans, or guidance on financial matters, we're here for you every step of the way. Contact us today at 432-250-6040 or visit our website at Southwest Heritage to learn more about how we can assist you in achieving your financial goals!

Our Mission

At Southwest Heritage, our mission is straightforward: to empower our members through personalized financial solutions and strong community support. We believe that everyone deserves access to quality banking services whether it's personal banking, auto loans, or business financing. Our goal is not just about transactions; it's about building lasting relationships with our members and helping them achieve their financial dreams. Over the years, we've adapted to the changing times by embracing digital advancements while ensuring that we remain compliant with ADA standards. This includes online banking options that allow members to manage their accounts conveniently from anywhere. Our focus on customer-centric initiatives ensures that every interaction with our team feels personal and supportive.

Branch Location & Accessibility

Accessibility Features

At Southwest Heritage, we prioritize accessibility for all our members. Our branch is fully ADA compliant with ramps and accessible parking spaces available for your convenience. Whether you're coming for a quick transaction or a more detailed consultation, we've made it easy for everyone to access our services.

Get in Touch

Have questions or want to learn more? Feel free to call us at 432-250-6040! We invite you to stop by Southwest Heritage today whether it's for a simple transaction or an in-depth discussion about your financial goals. We're excited to help you achieve financial success!

Operating Hours and Services Offered

We're open Monday through Friday from 8:30 AM to 5:30 PM, ensuring that you have ample time during the week to visit us. Our team is ready to assist you with a variety of services including personal banking accounts, auto loans, mortgage options, credit cards with rewards, and even business banking solutions. For those on the go, we offer drive-thru banking for quick deposits and withdrawals without leaving your vehicle. Plus, our ATM is available for cash withdrawals and balance checks whenever you need them.

Member Eligibility

Becoming a member of Southwest Heritage is more than just opening an account; it's about joining a community that cares. Located at 4100 N Faudree Rd Odessa Tx 79765, we welcome anyone who lives, works, worships, or attends school in the area to apply for membership. It's our way of ensuring that those who are part of our local community can benefit from the personalized services we offer. Not only do you gain access to a range of financial products and services tailored for your needs, but you also become part of a cooperative that prioritizes its members' interests above all else. The process to join is simple and straightforward! To learn more about the eligibility criteria and how to get started, you can visit our website at . If you're ready to take the next step towards membership or have any questions, feel free to call us at (432) 250-6040. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing 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 That Make Sense

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. You can accept payments easily and securely, enhancing your customer experience and boosting sales. Located at 4100 N Faudree Rd, Odessa, TX 79765, we're here to partner with you on your journey to success. For more information or to discuss how we can support your business needs, call us at 432-250-6040. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Accessible Services with Personalized Touch

We also offer basic drive-thru banking services for quick transactions such as deposits and withdrawals. This ensures that even if you're short on time, accessing your funds is simple and straightforward. At Southwest Heritage, we believe in fostering relationships with our members through personalized service. Our friendly staff is always ready to assist you with any questions or concerns. Feel free to reach out at 432-250-6040 during our lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. Ready to take control of your financial future? Visit us online at southwestheritagecu.com or stop by our branch today! We look forward to serving you!

Business Banking Solutions

For small business owners, we have tailored business banking solutions, including merchant services and business loans. Our goal is to support local businesses in achieving their financial aspirations.

Convenient Digital Banking Options

In today's fast-paced world, convenience is key. That's why Southwest Heritage provides robust online and mobile banking platforms. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on the go. Our ATM services allow for quick cash withdrawals and balance checks whenever you need them.

Personal Banking Made Simple

When it comes to personal banking, we offer checking and savings accounts that cater to your everyday needs. Whether you're saving for a vacation or managing daily expenses, our accounts come with features designed for ease of use. If you're in the market for a new vehicle, our auto loans and vehicle financing options are tailored to help you hit the road without breaking the bank. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans provide competitive rates and flexible terms.

Supporting Your Financial Goals

We understand that life can sometimes throw unexpected challenges your way. That's why we offer personal loans and debt consolidation services to help you manage your finances more effectively. If you're looking for a way to earn rewards while making purchases, our credit cards with rewards programs might be just what you need.

Digital & Online Banking

At Southwest Heritage, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With our user-friendly platform, you can access your accounts anytime, anywhere. One of the standout features is our 24/7 online banking services available at https://www.southwestheritagecu.com/. Whether you're checking balances, transferring funds, or paying bills, you can do it all with just a few clicks. Plus, our mobile application makes it even easier to manage your money on the go. You can download the app and have your bank right in your pocket! Sending money to friends or family? Our person-to-person transfers make it simple and fast. Just enter the amount you want to send and the recipient's details, and you're done! No need for checks or cash it's all done digitally. We also offer e-statements, which let you view your account statements online instead of waiting for them in the mail. This not only helps you keep track of your finances but is also an eco-friendly choice. While we currently don't support mobile payments, we are committed to enhancing our digital offerings in the future. For now, rest assured that all transactions are secure; we prioritize your safety with robust security measures. In today's fast-paced world, staying connected to your finances shouldn't be a hassle. With our online banking tools at Southwest Heritage, managing your money has never been easier or more accessible. Visit us at https://www.southwestheritagecu.com/ today and experience the convenience for yourself!

Financial Strength

A Growing Community

Total Share Accounts stand at 23,346, showing a strong and growing member base that trusts us with their finances. We believe this trust is built on our consistent performance and commitment to serving our community. 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 4100 N Faudree Rd Odessa Tx 79765 or call 432-250-6040 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.*

Member-Focused 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.

Operational Efficiency

Our net income of $2,390,664 reflects our operational efficiency. This success 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.

Reinventing for Excellence

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 ability to lend also shines through with $164,526,316 in total loans and leases, including $1,977 used auto loans. This capacity supports members' financial goals across various sectors.

Solid Financial Foundations

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. We provide flexible financing options for both new and used vehicles to ensure you can drive away satisfied.

Business Financing

For business owners, our outstanding commercial loans totaling $25,234,317 provide the capital needed to grow and expand. We understand the importance of having reliable financing options for your business needs.

Credit Lines and Personal Loans

For those looking to manage their day-to-day finances or make unexpected purchases, we also offer flexible terms on unsecured credit card loans. With a total of $1,416,692 in unsecured credit card loans helping members manage their finances effectively, our products are designed to fit your lifestyle and budget. Additionally, our total credit lines amount to $48,302,172, giving you access to funds when you need them most.

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 aim to provide support throughout the entire process so you can feel confident in your investment.

Refinancing Options

If you're considering refinancing any existing loans or credit lines for better terms or rates, our team is here to guide you through the eligibility process. We want to ensure that all our members benefit from the best financial solutions available. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For further assistance or questions regarding our loan offerings, feel free to contact us at 432-250-6040 during our operating hours from 8:30 AM to 5:30 PM Monday through Friday. At Southwest Heritage, we're committed to helping you find the right financing option that fits your needs!

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