Texas Telcom Credit Union Dallas TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Texas Telcom, your trusted partner in financial services since 1952! Located at 8818 Garland Rd, Dallas, TX 75218, we are dedicated to serving our community with integrity and commitment. With a growing membership of over 3,526 individuals and total assets exceeding $53 million, we pride ourselves on providing personalized banking solutions tailored to meet your needs. At Texas Telcom, we understand that each member's financial journey is unique. That's why we offer a range of services including personal banking, auto loans, mortgage refinancing, and business banking options. Our aim is to empower you with the right tools for financial success. We currently hold a robust $2.5 million in total deposits and maintain a net worth of $8.2 million, reflecting our strong position and dedication to safeguarding your investments. While members can visit us at our branch location, official correspondence should be sent to the same address: 8818 Garland Rd, Dallas, TX 75218-3916. For any inquiries or assistance, feel free to reach out to us at (214) 320-8818 during our lobby hours from Monday to Friday between 9:00 a.m. and 4:00 p.m. Led by our CEO, Pamela Toler, and Board President, Michael Robbins, our team of dedicated employees is here to support you every step of the way. Whether you're looking for straightforward checking accounts or exploring options for debt consolidation, we're committed to helping you achieve your goals. Join us today and experience the difference that comes with being part of the Texas Telcom family. Explore more about our services on our website at Texas Telcom or stop by to see how we can assist you in achieving financial well-being!

Branch History & Mission

Welcome to Texas Telcom, a credit union with a proud history that dates back to 1952. Since our doors first opened, we have been dedicated to serving the financial needs of our community in Dallas, TX. Located at 8818 Garland Rd, we are not just a financial institution; we are a vital part of the neighborhood, committed to helping our members thrive. Over the years, Texas Telcom has evolved significantly. We started with a small group of members and have since grown to serve over 3,500 individuals. With total assets now exceeding $53 million, our growth reflects our unwavering commitment to providing exceptional service and innovative financial solutions. Our dedicated team works hard to ensure that each member feels valued and supported in their financial journey. At the heart of Texas Telcom's mission is the belief that everyone deserves access to quality financial services. We aim to empower our members through personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our focus extends beyond just transactions; we strive to build lasting relationships with our members and support them in achieving their goals. While members can visit us at 8818 Garland Rd Dallas Tx 75218, official correspondence should be sent to 8818 Garland Rd, Dallas, TX 75218-3916. Our branch operates Monday through Friday from 9:00 a.m. to 4:00 p.m., making it convenient for you to come by and meet with our friendly staff. Although we currently do not offer ATM services or drive-thru banking, we provide comprehensive online and mobile banking options for your convenience. Texas Telcom is proud of its community roots and actively participates in outreach efforts that strengthen our local area. We believe in giving back and forming partnerships that uplift those around us. Whether it's through educational initiatives or support for local events, we are dedicated to making a positive impact. If you're looking for a credit union that truly cares about its members and the community, look no further than Texas Telcom. Join us today and experience firsthand the benefits of being part of an organization that puts people first! For more information or assistance, feel free to call us at (214) 320-8818 or visit our website at Texas Telcom. Together, let's build a brighter financial future!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

You can find us just a short drive from notable spots like White Rock Lake and the Dallas Arboretum, perfect for a quick banking visit while enjoying the scenic surroundings. Parking is available right outside our branch, ensuring that your visit is hassle-free. We pride ourselves on being accessible to everyone, with features that comply with ADA standards so that all members can easily navigate our space.

Operating Hours and Services

Our doors are open Monday through Friday from 9:00 a.m. to 4:00 p.m., giving you ample opportunity to take care of your banking needs during the week. While we don't have ATM services or drive-thru banking at this location, we offer a variety of personal and business banking services that cater to all your financial requirements. From checking and savings accounts to auto loans and credit cards with rewards, we have you covered. If you need to reach out, feel free to give us a call at 214-320-8818. We're excited to assist you with any questions or concerns you may have.

Visit Us Today!

While members can visit us at 8818 Garland Rd, official correspondence should be sent to the same address as our mailing address: 8818 Garland Rd, Dallas, TX 75218-3916. We invite you to come in and experience the warmth of our community-focused services firsthand. Join us at Texas Telcom today your local partner in achieving financial success!

Member Eligibility

Joining the Texas Telcom community means becoming part of a family that truly cares about your financial well-being. At Texas Telcom, we welcome individuals who live, work, or worship in our local communities. Whether you're a longtime resident or new to the area, if you share our values and commitment to helping one another, you're eligible to become a member! Enjoy exclusive benefits such as personalized service and competitive rates on loans and savings accounts. The membership process is straightforward and inviting; just reach out to us at 214-320-8818 or visit us at our branch located at 8818 Garland Rd, Dallas, TX 75218 for more details on how to get started. For updated eligibility criteria, feel free to check out our website at https://www.textelcu.org/texas-telcom-credit-union.html. We can't wait to welcome you into our supportive community!

Business Banking & Commercial Services

Commercial Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we are actively looking to provide financial support for new and expanding businesses in our community. Our goal is to help you take your business to the next level.

Practical Merchant Services

In addition to loans, Texas Telcom offers essential merchant services designed to simplify daily operations for business owners. Imagine easily processing payments from customers or managing transactions seamlessly our tools are built to help you focus on what matters most: running your business. Visit us at 8818 Garland Rd, Dallas, TX 75218 or call us at 214-320-8818 during our lobby hours from 9:00 a.m. to 4:00 p.m., Monday through Friday. Together, let's drive your business toward success!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we provide robust Business Banking options including merchant services and business loans. This means whether you're starting a new venture or expanding an existing one, Texas Telcom has the resources to support your growth.

Cash Withdrawal Services

While we do not have ATMs or drive-thru services at this location, our branch is dedicated to providing excellent service during lobby hours from Monday through Friday between 9:00 a.m. and 4:00 p.m. Should you need assistance with cash withdrawal services or any other inquiries, feel free to call us at 214-320-8818. At Texas Telcom, we pride ourselves on being more than just a credit union; we're a community partner committed to helping you succeed financially. Whether it's opening an account or applying for a loan, we invite you to visit us or explore our website at Texas Telcom for more information about our services and how we can assist you today!

Credit Cards

Our Credit Cards with Rewards give members the chance to earn points for everyday purchases. Enjoy the benefits of cash back or travel rewards while maintaining control over your spending.

Home Loans

For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services can help turn your homeownership dreams into reality. We offer personalized support throughout the process, ensuring you understand each step along the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features allow you to check balances, transfer funds, and pay bills right from your smartphone or computer whenever it suits you.

Personal Banking

When it comes to personal banking, we understand that everyone's needs are different. That's why we offer Checking & Savings Accounts that cater to various lifestyles and financial goals. Whether you're saving for a vacation or managing day-to-day expenses, our accounts come with convenient features like online banking and mobile access, allowing you to manage your finances from anywhere.

Personal Loans

If you need extra cash for unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation services provide easy solutions. Picture having peace of mind knowing that you have support during financially challenging times.

Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options are designed to make your dream vehicle more accessible. With competitive rates and flexible terms, you'll find a plan that fits your budget. Imagine driving off in your new car knowing you made an informed choice with favorable financing.

Digital & Online Banking

At Texas Telcom, we understand that managing your finances should be as easy as possible. That's why we offer a full suite of digital and online banking services designed to keep your money safe and accessible anytime, anywhere. With our secure online platform, you can manage your accounts from the comfort of your home or on the go. One of the standout features is our 24/7 Online Banking Services. This means you can check your balances, pay bills, and transfer funds whenever you need to. Simply visit us at https://www.textelcu.org/texas-telcom-credit-union.html to get started! Plus, with E-Statements Availability, you'll receive your account statements electronically, which is not only convenient but also environmentally friendly. We also offer Electronic Signature Authorization, making it easier for you to sign documents without any hassle. Whether you're applying for a loan or opening a new account, this feature allows you to handle everything digitally saving you time and effort. If you're always on the move, our Mobile Application makes banking even simpler. With just a few taps on your smartphone, you can access all of your accounts, make Person-to-Person Transfers, and even set up Mobile Payments for quick transactions. No more fumbling with cash or checks; everything is right at your fingertips. Security is our top priority. Our robust online banking system ensures that your information stays protected while giving you real-time access to your accounts. You can bank with confidence knowing that your transactions are safeguarded. At Texas Telcom, we're committed to providing you with an accessible and user-friendly banking experience. Join us today and discover how our digital tools can help you manage your finances effortlessly!

Financial Strength

Committed Team

We also take pride in having 8 full-time employees ready to assist you. Their dedication ensures that you receive knowledgeable service every time you visit us at 8818 Garland Rd Dallas Tx 75218, Dallas, TX 75218.

Growing Community

Total Share Accounts stand at 4,889, showing a strong and growing member base that trusts us with their finances. The net shares available for lending and investments amount to $528,441, further enhancing our capability to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Texas Telcom is your trusted partner. Visit us at 8818 Garland Rd Dallas Tx 75218 or call (214) 320-8818 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $15,788,129 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members' interests. With non-member deposits at $104, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Your Benefit

With $8,103,847 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 reflected in the $538 in used auto loans and $28,276,525 in total loans and leases, supporting various sectors of your financial goals. Our operational efficiency is evident through our $0. This allows us to keep offering competitive loan rates and solid financial products tailored for you.

Strong Financial Foundation

With a net worth of $8,195,610, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This foundation is crucial in ensuring that we can continue supporting your financial needs. Our net worth ratio of $1,523 demonstrates a solid capital foundation. This means we are well-prepared to provide loans, competitive savings rates, and uninterrupted services even during 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 $11,252,904 in used vehicle loans and $8,881,747 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, ensuring that you can find a solution that fits your budget. Plus, if you're considering refinancing your current auto loan, our team is here to help you explore eligibility options that could save you money.

Credit Lines and Unsecured Credit Cards

For those looking for flexibility in managing expenses, we offer credit lines totaling $3,000,000. These lines can be an excellent resource for unexpected costs or larger purchases without the pressure of immediate repayment. We also provide flexible terms on unsecured credit card loans, with a total of $710,275 in loans helping members manage their finances effectively. At Texas Telcom, our goal is to empower our members with the financial resources they need to thrive. To learn more about our loan offerings or discuss your specific needs with one of our knowledgeable representatives, feel free to contact us at 214-320-8818 or visit us at 8818 Garland Rd Dallas TX 75218 during our lobby hours from Monday to Friday between 9:00 a.m. and 4:00 p.m. 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 Texas Telcom can assist you on your financial path today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we're always exploring ways to support our members in their quest for homeownership. If you're interested in future opportunities or refinancing options as they become available, please reach out to us.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed for those who want to make informed decisions without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons by sourcing 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 straightforward offers, allowing them to see all available options clearly. One of the standout features of LendMesh is its focus on verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency at every step. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings. This means users get unbiased results that reflect actual market conditions rather than marketing tactics. Real-time rate comparisons provide users with up-to-date information from multiple institutions, helping them find the best fit for their 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 effectiveness and reliability of this comparison tool. To explore your options further, 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.*

Texas Telcom