TexasGulf Credit Union Wharton TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Texasgulf, your trusted financial partner located at 2101 N Fulton St, Wharton, TX 77488. Established in 1937, we have been serving our community for over eight decades, nurturing relationships and providing exceptional financial services to our 14,532 members. With total assets amounting to an impressive $200,917,879, we are committed to supporting you on your financial journey. At Texasgulf, we believe in the power of community and the importance of personalized service. Under the leadership of our dedicated CEO, J. Michael Sterry, and Board President Weldon Ferrell, we strive to create a welcoming environment where every member feels valued. Our experienced team of 31 employees is always ready to assist you with a range of services including personal banking, auto loans, mortgages, and business financing. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 2101 N Fulton St, Wharton, TX 77488. With total loans and leases reaching 7,779 and deposits totaling $16,696,257, Texasgulf is not just about numbers; it's about building trust within our community. We take pride in our ability to help you achieve your financial goals while maintaining a robust net worth of $27,782,155 and cash in hand totaling $1,277,811. Whether you're looking for competitive rates on loans or convenient online banking options, we invite you to explore what Texasgulf has to offer. For inquiries or more information about our services, feel free to call us at (979) 282-2300 during our operating hours from Monday through Friday between 8:00 am and 5:00 pm. Join us in making your financial dreams a reality!

Branch History & Mission

Our Evolution

Since opening our doors, Texasgulf has continuously evolved to meet the changing needs of our community. As we grew, so did our offerings. Today, we proudly manage total assets of $200,917,879 and provide a range of services including personal banking, auto loans, mortgage financing, and business banking solutions. Each step of our journey reflects our commitment to enhancing the financial well-being of our members. Our headquarters in Wharton serves as a testament to our dedication to local service. We are proud to be an integral part of this community and are always looking for ways to give back. Through partnerships with local organizations and outreach programs, we aim to uplift those around us and foster a spirit of togetherness.

Our Mission

At Texasgulf, our mission is clear: we strive to empower individuals and families by providing accessible financial services while fostering a sense of belonging. We believe that everyone deserves the opportunity to achieve their financial goals and dreams. Our focus on member support goes beyond just banking; it's about building lasting relationships within the community. We offer ADA-compliant facilities and digital advancements that make banking easier for all members. With features like online banking and mobile payments available, we're here to ensure you can manage your finances anytime and anywhere. While members can visit us at 2101 N Fulton St Wharton Tx 77488, official correspondence should be sent to 2101 N Fulton st, Wharton, TX 77488 if it differs from our physical location. Whether you need assistance or simply want to chat about your financial goals, feel free to call us at (979) 282-2300 during our operating hours from Monday through Friday between 8:00 AM and 5:00 PM. As we look ahead, we invite you to join us on this journey. Experience the difference that comes with being part of Texasgulf where your financial success is our priority. Discover how you can benefit from membership today!

Branch Location & Accessibility

Accessibility and Features

At Texasgulf, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and spacious pathways to ensure everyone can navigate comfortably. Plus, there's ample parking available right outside the entrance, making your visit hassle-free. If you're in a hurry, take advantage of our drive-thru banking services for quick deposits and withdrawals without leaving your car. We also offer ATM access for those who prefer cash transactions or balance inquiries on-the-go.

Connect With Us

Have questions or need assistance? Don't hesitate to give us a call at 979-282-2300. Our team is eager to help you navigate your financial journey! We look forward to seeing you soon at Texasgulf.

Operating Hours

We're here for you Monday through Friday from 8:00 am to 5:00 pm, making it easy to fit your banking needs into your busy schedule. Our friendly staff is always ready to assist you with a range of services including personal banking, auto loans, and more. While members can visit us at 2101 N Fulton St, official correspondence should be sent to the same address: 2101 N Fulton St, Wharton, TX 77488.

Member Eligibility

Joining the Texasgulf family means stepping into a community that truly cares about your financial well-being. If you live, work, worship, or attend school in Wharton County, you're already on your way to becoming a valued member! We welcome individuals from all walks of life and strive to create an inclusive environment where everyone can thrive. Plus, being a member at Texasgulf comes with fantastic perks like competitive loan rates and personalized service tailored just for you. Ready to join? The process is straightforward! You can find all the detailed eligibility criteria on our website at this link. If you have any questions or need assistance, don't hesitate to reach out to us at 979-282-2300. We're excited to help you start your journey with us at 2101 N Fulton St, Wharton, TX 77488!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 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 $391,107, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Running a business involves many moving parts, and our merchant services can simplify your operations. Whether it's accepting payments online or managing transactions at your storefront, we provide practical tools that help streamline your cash flow. Picture this: less time worrying about payment processing means more time focusing on what you do best growing your business. Visit us at 2101 N Fulton St Wharton Tx 77488 in Wharton, TX or call us at (979) 282-2300 to learn how our business banking and commercial services can empower your success today!

Comprehensive List Of Services

Business Banking Options

For entrepreneurs and small business owners in the community, we offer specialized services like merchant services and business loans. Whether you're starting fresh or expanding an existing business, our financial solutions are crafted to help you succeed without added stress.

Convenient Access

Accessibility is key at Texasgulf. With our ATM services available 24/7, you can withdraw cash or check balances whenever it suits you best. Additionally, if you prefer face-to-face interactions for deposits or simple transactions, our drive-thru banking service is designed for your convenience during regular hours. At Texasgulf, we believe managing your finances should be easy and accessible. That's why we continuously strive to enhance our digital banking features while maintaining personalized service at our branch. If you'd like to learn more about how we can assist you with any of these services or have questions about becoming a member, please feel free to reach out at (979) 282-2300. Our team is ready to help you achieve your financial goals!

Loans for Every Need

When life throws unexpected expenses your way, our personal loans can offer quick relief. Whether it's for debt consolidation or personal projects, we've got your back with straightforward terms and support throughout the application process. If you're looking to boost your purchasing power, consider applying for one of our credit cards with rewards. Not only do you get convenience for everyday purchases, but you can also earn points towards exciting rewards perfect for treating yourself later!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed to fit your lifestyle. Imagine having access to your money anytime, anywhere through our user-friendly online and mobile banking platforms. You can easily check balances, make transfers, and pay bills on the go. If you're thinking about purchasing a new car or refinancing an existing vehicle, our auto loans and vehicle financing options are competitive and flexible. We offer personalized rates that can help make your dream of driving off in that new car a reality. For those considering homeownership, we provide mortgage loans and refinancing solutions that simplify the process. Our team will guide you every step of the way, ensuring you find a plan that suits your budget and future plans.

Digital & Online Banking

Key Features

One of the standout features of our digital banking services is the availability of e-statements. This eco-friendly option not only helps you stay organized but also allows for quick access to your financial records whenever you need them. Plus, with mobile payments enabled, making purchases has never been easier. Just link your account through our mobile application, available for download on both iOS and Android devices. If you often find yourself sending money to friends or family, you'll love our person-to-person transfer feature. It's fast and straightforward just a few taps on your phone and the money is on its way!

Security & Support

We prioritize your security with robust measures in place to protect your personal information. While we currently do not offer electronic signature authorization, rest assured that your online transactions are safeguarded with industry-standard protocols. Whether it's day or night, our 24/7 online banking service allows you to manage your finances anytime you want. If you have any questions or need assistance, our friendly team at Texasgulf is always here to help you out. Discover how easy banking can be by exploring our digital services today! Visit us online at https://www.texasgulffcu.org/ and take control of your financial journey with Texasgulf!

Financial Strength

A Trusted Partner

Total Share Accounts: 25,921, showcasing 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, Texasgulf is your trusted partner. Visit us at 2101 N Fulton St Wharton Tx 77488 or call (979) 282-2300 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.

Commitment to Growth

With $27,652,330 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1,878 in used auto loans and $119,992,484 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $69,275,663 in share certificates and $3,564,807 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $428,366, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 30 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $27,782,155, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.82% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This strength enables us to be there for our members when they need us most.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $32,729,729 in used vehicle loans and $22,890,843 in new vehicle loans already helping members get on the road. We make the process simple and straightforward, ensuring that you can find the right financing option for your next vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $391,107 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support you with tailored solutions that cater specifically to your needs. In addition to these offerings, we have refinancing options available for many of our loan products, allowing members to potentially lower their monthly payments or adjust their loan terms based on changing circumstances. If you're interested in learning more about our loan products or want assistance with eligibility options, don't hesitate to contact us at (979) 282-2300 or visit us at our branch located at 2101 N Fulton St Wharton Tx 77488 in Wharton, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $882,515, make buying or refinancing simple. We provide guidance throughout the entire process, making it easier for you to navigate through your options and find a plan that suits your financial situation.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $2,039,215 in loans helping members manage their finances effectively. These credit cards come with competitive rates and benefits that allow you to make purchases while keeping your budget in check.

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TEXASGULF FEDERAL CREDIT UNION - Wharton, TX

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