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

Introduction

Welcome to Southwest Heritage, your trusted partner in financial wellness since 1949. Located at 309 E Hendricks Blvd, Wink, TX 79789, we are dedicated to serving our community with personal banking solutions tailored just for you. With a proud membership of 12,936 and total assets exceeding $240 million, we are more than just a credit union; we are a cornerstone of the Wink community. At Southwest Heritage, we understand that financial needs vary from person to person. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking solutions. Our total deposits stand at $26,415,784, reflecting our commitment to providing secure and reliable financial options for all our members. Under the leadership of CEO Ronny Haynes and Board President Edgar Baiza Jr, our team of 71 dedicated employees is here to ensure you receive exceptional service every time you visit or call us at 432-527-3365. If you need to send official correspondence, please note that it should be directed to our mailing address: PO Box 4898, Odessa, TX 79760. We invite you to explore our website at southwestheritagecu.com for more information about our services or to start your journey with us today! Whether you're looking to apply for a loan or simply want to learn more about how we can help you achieve your financial goals, we are here for you. Join us and experience the difference that a member-focused credit union can make in your life!

Branch History & Mission

Community Engagement

Southwest Heritage understands that a thriving community is essential for everyone's success. We actively engage in local outreach efforts and partnerships that enhance the quality of life in Wink and surrounding areas. Whether it's sponsoring local events or providing financial education workshops, we aim to make a positive impact.

Innovations for Your Convenience

In today's world, convenience matters. We are proud to offer online and mobile banking services to ensure that you can manage your finances on your terms. Although we currently do not have ATM services available at this location, our drive-thru banking offers a simple way to conduct transactions efficiently during business hours. Join us in celebrating nearly 75 years of service! We invite you to become part of the Southwest Heritage family. Experience firsthand the benefits of membership where you're not just another number but a valued member of our growing community. Call us today at (432) 527-3365 or visit our website at Southwest Heritage to learn more about how we can support your financial journey!

Our Mission

Our mission at Southwest Heritage is clear: we are here to empower our members through personalized banking solutions while fostering a spirit of community support. We strive to offer comprehensive personal and business banking services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more. Our goal is to help you achieve your financial dreams while ensuring that you feel valued and supported every step of the way. While members can visit us at 309 E Hendricks Blvd Wink Tx 79789, official correspondence should be sent to PO Box 4898, Odessa, TX 79760. This approach allows us to maintain an efficient communication channel while ensuring that your needs are always met promptly.

Branch Location & Accessibility

Accessibility Features

At Southwest Heritage, we prioritize accessibility for all our members. Our branch features ADA-compliant ramps and parking spaces that make it easy for everyone to visit us. Whether you're coming in for personal banking or business services, you will find our facilities designed with your convenience in mind.

Operating Hours

We are here to serve you during the week! Our lobby hours are Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5:30 PM, and we open a bit later on Wednesdays at 10:00 AM. For those who prefer the drive-thru, we're ready to assist you from 7:30 AM to 5:30 PM every weekday.

Services Offered

At our Wink branch, we offer a variety of services tailored to meet your financial needs. Whether you're looking for checking and savings accounts, auto loans, or even mortgage financing, our knowledgeable staff is here to help guide you through every option available. With basic drive-thru banking available for deposits and withdrawals, managing your finances has never been easier. While members can visit us at 309 E Hendricks Blvd Wink Tx 79789, official correspondence should be sent to PO Box 4898 in Odessa if needed. If you have any questions or need assistance, don't hesitate to call us at (432) 527-3365. We invite you to come by and experience the friendly service that sets Southwest Heritage apart! Your financial goals are important to us, and we look forward to helping you achieve them.

Member Eligibility

At Southwest Heritage, we believe that everyone deserves a chance to be part of a supportive community focused on financial well-being. Becoming a member is simple and welcoming, especially if you live, work, worship, or attend school in the Wink area. Our doors are open to you! We invite individuals and families looking for personalized banking experiences and great services tailored just for you. By joining us at Southwest Heritage, not only do you gain access to a variety of financial products like checking accounts, loans, and credit cards, but you also become part of a cooperative where your voice matters. To learn more about the specific eligibility criteria or to check for any updates, feel free to visit our detailed resource at . And when you're ready to open your account, the process is straightforward just visit our account opening page at https://www.secure-quotes.com/southwestheritagecu/secure_loan.asp or give us a call at (432) 527-3365. Join us today at our branch located at 309 E Hendricks Blvd Wink Tx 79789, where we can't wait to welcome you into the family!

Business Banking & Commercial Services

Financing 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.

Practical Merchant Services

In addition to loans, we offer merchant services designed to streamline your operations. Imagine being able to process payments effortlessly, manage transactions online, and keep track of your cash flow all in one place. These services not only save you time but also improve your overall customer experience. Visit us at 309 E Hendricks Blvd, Wink, TX 79789 or call us at 432-527-3365 to learn how we can partner with you on your business journey. Your success is our mission!

Comprehensive List Of Services

Business Banking Services

If you're a business owner in Wink or surrounding areas, our business banking services include merchant services and business loans that cater specifically to your needs. We understand the unique challenges businesses face and aim to provide solutions that foster growth and success.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. Whether you're checking balances, making transfers, or paying bills, our digital platform makes banking simple and accessible.

Drive-Thru Banking

For those who prefer a more personal touch, our basic drive-thru banking service is available for deposits, withdrawals, and simple transactions. Our friendly staff is ready to assist you without needing to leave your vehicle. At Southwest Heritage, we are committed to providing exceptional service tailored just for you. If you have questions about any of our offerings or would like assistance in choosing the right financial product for your needs, don't hesitate to reach out! Call us today at 432-527-3365 or visit us in person we look forward to serving you!

Home Financing Solutions

For those looking to settle into a new home or refinance their existing mortgage, our mortgage loans and refinancing options are here to assist you every step of the way. Picture yourself unlocking the door to your new home with a loan that fits comfortably within your budget. Our team is ready to provide guidance through the mortgage process, making it as smooth as possible.

Personal Banking Services

Our personal banking options are designed with you in mind. We offer checking and savings accounts that help you manage your money effectively. Imagine having easy access to funds whenever you need them, along with competitive interest rates that make saving worthwhile. Additionally, if you're considering purchasing a car, our auto loans and vehicle financing solutions can help turn your dream into reality. With flexible terms and competitive rates, we ensure you get behind the wheel without breaking the bank.

Personal Loans and Credit Options

In times when unexpected expenses arise, our personal loans and debt consolidation services can help you regain control of your finances. Imagine simplifying multiple payments into one manageable loan. Plus, we offer credit cards with rewards, allowing you to earn while you spend on everyday purchases.

Digital & Online Banking

Key Features

Managing your account is easier than ever with our user-friendly mobile application. Available for download on your smartphone, it offers all the features you need right at your fingertips. Plus, if you want to send money to friends or family, our person-to-person transfers make it simple and quick. For those who prefer going paperless, we offer e-statements that provide secure access to your account history while helping the environment. And rest assured, all transactions are safe; while we currently do not support electronic signature authorization for certain documents, our system is designed with your security in mind. While mobile payments aren't available yet, we're committed to improving our services continuously. We aim to ensure that every member has access to reliable banking tools that fit their lifestyle. With everything from real-time account management to easy bill payments available through Southwest Heritage, banking has never been this accessible or straightforward. Join us today and take full advantage of these digital conveniences!

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. You can trust that your finances are in good hands with us. 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 lending capacity supports members' financial goals across various sectors with $1,977 in used auto loans and $164,526,316 in total loans and leases. Our operational efficiency is reflected in our net income of $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, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share and Deposit Accounts: 23,346, showing a strong and growing member base that trusts us with their finances. 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 309 E Hendricks Blvd Wink Tx 79789 or call 432-527-3365 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

Additional Information

If you're considering refinancing options or want to learn more about eligibility requirements for any of our loan products, please don't hesitate to reach out. Our team at Southwest Heritage is committed to transparency and will gladly provide you with all the information you need. For any inquiries or assistance, feel free to contact us at 432-527-3365 or visit us at 309 E Hendricks Blvd Wink Tx 79789. You can also find more information on our website at Southwest Heritage. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial future with confidence!

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 interested in financing a brand-new model or a reliable used car, our team is here to assist you every step of the way.

Business Loans

For business owners, our outstanding commercial loans totaling $25,234,317 provide the capital needed to grow and expand. We're dedicated to supporting local businesses and ensuring they have access to the resources necessary for success.

Mortgage Options

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 guide you through the process with clear terms and competitive rates, ensuring you feel confident in your investment.

Unsecured Credit Cards

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 various benefits designed to meet your everyday needs while keeping your budget on track.

Loan Aggregator

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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). This guarantees that users receive fair and transparent offers. Each loan listing is verified, ensuring that the information is reliable and up-to-date.