Texas Tech Credit Union Floydada TX | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Texas Tech, your trusted financial partner in Floydada, TX. Located at 230 W California St, we have proudly served our community since 1959, fostering a culture of trust and commitment among our 34,339 members. With total assets amounting to an impressive $412,588,789, we stand as a beacon of reliability in personal and business banking. At Texas Tech, our mission is to empower you with the financial resources needed to achieve your goals. Whether you're looking for auto loans, mortgage financing, or simply a safe place to deposit your hard-earned money, we've got you covered. We currently manage over $40,743,844 in deposits and have issued a total of 13,481 loans and leases, showcasing our dedication to supporting our members' dreams. Under the leadership of CEO Chris Hutson and Board President Ronald Phillips, our team of 123 employees works diligently to provide personalized service tailored to your needs. Our commitment is reflected in our net worth of $43,560,867 and cash on hand totaling $4,058,890, ensuring that we are always ready to support you financially. While members can visit us at 230 W California St, official correspondence should be sent to the same address as there is no separate mailing address. If you have any questions or need assistance, feel free to reach out at (806) 742-3606 during our lobby hours from Monday through Friday between 9 AM and 4 PM. Join us at Texas Tech today! Visit our website here or give us a call to discover how we can help you thrive financially.

Branch History & Mission

A Legacy of Service

Since our establishment, Texas Tech has focused on providing exceptional financial services while fostering strong community ties. As we evolved, we embraced technology to enhance member experiences. Our digital offerings include online and mobile banking options that allow members to manage their finances anytime and anywhere. We also ensure accessibility for all by being ADA compliant, reflecting our dedication to inclusivity. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 4 PM. For those who prefer face-to-face interactions, we offer drive-thru banking and ATM services right here in Floydada.

Join Us Today!

At Texas Tech Credit Union, you're not just a member; you're part of a family dedicated to your financial success. With a rich history and a clear mission focused on service and community involvement, we invite you to join us today. Experience the benefits of being part of an organization that truly cares about you and your future! For more information or to open an account online, please visit us at texastechfcu.org. Let's achieve great things together!

Mission-Driven Approach

The mission of Texas Tech is simple yet profound: to empower our members through comprehensive financial solutions while promoting community growth and support. Whether you need personal banking services like checking accounts or loans for your dream car, we're here to help you every step of the way. We also provide business banking services that cater to local entrepreneurs. As part of our mission, we actively engage in community outreach initiatives. We believe in giving back and supporting local events that enrich the lives of residents in Floyd County. Our partnerships with various organizations highlight our commitment to improving the neighborhoods we serve. While members can visit us at 230 W California St for all their banking needs, official correspondence should be sent to our mailing address if it differs from the branch address.

Branch Location & Accessibility

Welcome to Texas Tech, your local credit union conveniently located at 230 W California St, Floydada, TX 79235. We pride ourselves on being a part of the Floyd County community, and we're here to make your banking experience as easy and enjoyable as possible. Our branch is easily accessible and designed with your comfort in mind. You can find us just a short distance from popular landmarks like the Floydada City Park, making it a breeze to stop by while you're out and about. We offer ample parking for our members, ensuring that you can visit without any hassle. Plus, our facilities are ADA compliant, providing ramps and other features to assist everyone. At Texas Tech, we understand that your time is valuable. That's why we're open Monday through Friday from 9 AM to 4 PM, giving you plenty of opportunities to handle your banking needs. Whether you're looking to open a checking account or inquire about our auto loans and personal loans, our friendly staff is ready to assist you. For those who prefer convenience, we also offer drive-thru banking services for quick deposits or withdrawals without leaving your vehicle. And if you need cash on the go, our ATM is available for your use anytime. If you have questions or would like more information about our services, feel free to reach out to us at 806-742-3606. We invite you to stop by Texas Tech today and discover how we can support your financial journey!

Member Eligibility

Becoming a member of Texas Tech is like joining a close-knit community that truly cares about your financial well-being. We welcome anyone who lives, works, or attends school in the area around 230 W California St Floydada Tx 79235 to join our family. This means if you're part of our vibrant community, we want you with us! At Texas Tech, membership opens the door to a variety of benefits, from personalized banking services to competitive loan rates designed just for you. Getting started is simple! You can find more details about our eligibility criteria by visiting https://texastechfcu-cloud.lending360.com/accountopening/application?membership , which will guide you through what it takes to join. Once you're ready, opening an account is just a click away at https://texastech-asg-lending360.wetap.com/l360/texastech/?_ga=2.119099017.1063657897.1695222542-1107540567.1695222542 . If you have any questions or need assistance, feel free to reach out at (806) 742-3606. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work

In addition to loans, our merchant services provide practical tools that help businesses thrive. For example, consider a retail store that wants to accept credit cards. Our merchant solutions make it easy for them to process transactions efficiently, enhancing customer experience and boosting sales. If you're ready to take your business to the next level, visit us at 230 W California St Floydada Tx 79235 in Floydada, TX or call us at (806) 742-3606. Let's work together to achieve your business goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Solutions

If you're a business owner, we haven't forgotten about you! Our Business Banking services include essential tools like Merchant Services and Business Loans to support your growth and operations. We aim to empower local businesses by providing customized solutions that fit their unique needs.

Connect With Us

Located at 230 W California St Floydada Tx 79235, feel free to call us at (806) 742-3606 if you have any questions or need assistance with any of our services. We are here Monday through Friday from 9 AM to 4 PM to assist all of our members. Explore everything we offer at Fcs Branch, where financial success is within reach! Visit us today or check out our website for more information on how we can help you achieve your financial goals: Visit Our Website.

Convenient Access

At Texas Tech, convenience is key. We offer an ATM on-site for easy cash withdrawals and balance checks whenever you need them. Our Basic Drive-Thru Banking allows you to handle deposits, withdrawals, and simple transactions without leaving your vehicle, saving you time during busy days.

Loans Made Easy

Need a new car? Our Auto Loans & Vehicle Financing are structured to fit your budget, ensuring that you can drive away in the vehicle of your dreams without breaking the bank. If you're considering buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services will guide you through each step, making homeownership more accessible than ever. For those unexpected expenses or plans that require a little extra cash, our Personal Loans & Debt Consolidation options offer flexible terms and competitive rates. Plus, if you're looking for a credit card that rewards you for everyday purchases, check out our Credit Cards with Rewards, giving you more value for your spending.

Personal Banking

We understand that managing your finances can be overwhelming. That's why we offer Personal Banking options like Checking and Savings Accounts designed to give you easy access to your money while helping you grow your savings. Imagine effortlessly checking your balance or transferring funds right from your mobile device with our Online & Mobile Banking features.

Digital & Online Banking

Key Features

Our online banking allows you to view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. You can even sign documents electronically thanks to our electronic signature authorization feature, making it quick and simple to get things done without the need for paperwork. We also provide e-statements so you can keep track of your transactions without cluttering your mailbox. With mobile payments, you can conveniently make purchases directly from your smartphone. Plus, our mobile application makes it easy to manage your accounts right from your pocket. Whether you're checking balances or sending money through person-to-person transfers, everything is just a few taps away.

Security and Accessibility

Security is a top priority for us at Texas Tech. Our online banking services are equipped with robust security features to protect your personal information while you bank online. You can rest easy knowing that you have access to 24/7 online banking services whenever you need them. Managing your finances has never been easier or more accessible. With our user-friendly tools and real-time account management options, you can stay on top of your financial goals without missing a beat. Experience the convenience of digital banking at Texas Tech today!

Financial Strength

Commitment to Excellence

Our net income of $0 reflects our operational efficiency while continuing to offer competitive loan rates and solid financial products for our members. We also take pride in having 113 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Growing Member Base

We currently have a total of 51,608 share accounts, demonstrating a strong and growing member base that trusts us with their finances. This growth illustrates not only our reliability but also the value we provide to each member. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Texas Tech is your trusted partner. Visit us at 230 W California St Floydada Tx 79235 or call 806-742-3606 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secured through $148,194,814 in share certificates and $47,683,357 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $252,942, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $31,747,284 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We also have $43,313 in used auto loans and an impressive total loans & leases amounting to $314,211,107, which showcases our capacity to support your financial goals across various sectors.

Strong Financial Health

With a net worth of $43,560,867, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.55% 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 $99,557,527 in used vehicle loans and $86,384,022 in new vehicle loans already helping members get on the road. We provide competitive financing options for both new and used vehicles to ensure you find the right fit for your budget. Plus, refinancing options are available if you're looking to lower your monthly payments or take advantage of better rates.

Credit Lines and Unsecured Credit Card Loans

For those looking for more flexibility in managing their finances, we provide total credit lines amounting to $64,501,533. Additionally, our unsecured credit card loans total $2,668,928, allowing members to handle unexpected expenses without the hassle of collateral. These options come with flexible terms designed to fit various financial situations. At Texas Tech located at 230 W California St Floydada TX 79235, our dedicated team is here to assist you every step of the way. Whether you're interested in applying for a loan or simply want to learn more about our offerings, feel free to give us a call at 806-742-3606. 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 how our loan products can work for you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $43,713,024, make buying or refinancing simple. We offer flexible terms and guidance throughout the process to help make your dream of owning a home a reality.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing loan data 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 commitment to transparency guarantees that users receive fair and transparent offers.

TEXAS TECH FEDERAL CREDIT UNION