Unicity Credit Union Irving TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to Unicity, your trusted financial partner located at 555 Cimarron Trl, Irving, TX 75063. Since our establishment in 1955, we have proudly served our community with a commitment to providing personalized banking solutions tailored to your needs. With over 9,895 members and total assets exceeding $104,880,828, we are dedicated to fostering financial growth and stability for everyone in our community. At Unicity, we understand that every member's journey is unique. That's why we offer a wide array of services including checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. Whether you're looking for an affordable loan or a safe place to grow your savings, we've got you covered. Our total deposits stand at $7,054,453, ensuring that your funds are secure and accessible whenever you need them. Led by our CEO, Kevin Scott, and Board President, John Chipps, our team of 27 dedicated employees is here to assist you every step of the way. We believe in building strong relationships within the community while offering competitive rates on loans totaling 4,230 across various types. Your financial wellbeing is our priority; that's why we maintain a net worth of $9,648,664 and keep ample cash on hand currently at $757,699 to meet your needs. While members can visit us at our branch location mentioned above, any official correspondence should be sent to our mailing address: PO Box 630347, Irving, TX 75063. We invite you to explore all that Unicity has to offer by visiting us online at lascolinasfcu.com. If you have any questions or need assistance, please don't hesitate to call us at 214-273-5094. Join us today and experience the difference with a credit union that truly cares about its members!

Branch History & Mission

At Unicity, we take pride in our rich history and unwavering commitment to serving the community. Established in 1955, our Valley Ranch Branch in Irving, TX, has grown from a small credit union into a robust financial institution that now proudly serves nearly 10,000 members. Located at 555 Cimarron Trl, Irving, TX 75063, we are ideally situated to offer easy access to financial services for residents and businesses alike. Over the years, Unicity has achieved remarkable milestones. From our humble beginnings, we've steadily increased our total assets to an impressive $104,880,828. Our dedicated team has worked hard to ensure that we not only meet but exceed the expectations of our members. We are proud to say that we have become a cornerstone of financial support in the area. Our mission is clear: we aim to provide exceptional financial services while fostering a strong sense of community. We believe in empowering our members by offering personalized banking solutions that include checking and savings accounts, auto loans, mortgages, and business banking services. With the latest advancements in technology, including online and mobile banking options, we strive to make banking as convenient as possible for everyone. Unicity also understands the importance of giving back. We actively engage with local organizations and participate in community outreach efforts designed to improve the lives of those around us. Whether it's through educational initiatives or supporting local events, we are committed to being a positive force within Irving. While members can visit us at 555 Cimarron Trl, official correspondence should be sent to PO Box 630347, Irving, TX 75063 if needed. Our branch operates Monday through Friday from 9:00 AM to 4:30 PM with extended drive-thru hours available from 7:00 AM to 6:00 PM on weekdays and Saturday mornings from 9:00 AM to 1:00 PM. With ATM availability and drive-thru banking services at your convenience, accessing your funds has never been easier. At Unicity, we invite you to join us on this journey towards better financial health. Experience the benefits of membership today come see how we can support your financial goals! For more information or assistance, don't hesitate to call us at 214-273-5094 or visit our website at Unicity.

Branch Location & Accessibility

Welcome to the Unicity branch at 555 Cimarron Trl, Irving, TX 75063! We pride ourselves on being conveniently located in the heart of Irving, making it easy for you to access all your banking needs. Just a stone's throw away from local landmarks, our branch is nestled within a vibrant community that ensures you have everything you need right at your fingertips. At Unicity, we understand that accessibility is key. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Ample parking is available, so whether you're stopping by for quick transactions or longer consultations, you'll find it easy to park and come inside. Our operating hours are designed with your busy schedule in mind. You can visit our lobby from Monday to Friday between 9:00 AM and 4:30 PM. If you're looking for an even earlier start, our drive-thru opens as early as 7:00 AM and stays open until 6:00 PM on weekdays! We also offer Saturday hours from 9:00 AM to 1:00 PM for both lobby and drive-thru services perfect for those who may need some extra time during the week. When you arrive, you'll be greeted by friendly staff ready to assist you with a range of services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and more. Plus, if you're in need of quick cash or balance checks, our ATM is available for your convenience. While members can visit us at this branch location, please note that any official correspondence should be directed to our mailing address at PO Box 630347, Irving, TX 75063. We invite you to stop by or give us a call at 214-273-5094. Let Unicity be your trusted partner in all your financial journeys!

Member Eligibility

At Unicity, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple! If you live, work, or worship in the area, or have family members who are already part of our credit union, you are likely eligible to join us. We welcome individuals from all walks of life, ensuring that you can access the financial services that best fit your needs. For more detailed information about eligibility criteria, feel free to visit our website at http://www.lascolinasfcu.com/who-can-join. Opening an account with us is just as easy! You can start the process online by visiting https://internetloanapplication.cudl.com/lascolinas/, or give us a call at (214) 273-5094 for any questions you might have. Join us at Unicity, located at 555 Cimarron Trl Irving Tx 75063, and experience the benefits of being part of our family-oriented community. We look forward to welcoming you!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business with ease, knowing you have reliable payment processing at your fingertips. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. From point-of-sale systems to online payment solutions, we provide the tools that make managing your cash flow straightforward. Visit us at 555 Cimarron Trl Irving Tx 75063 in Irving, TX, or call us at (214) 273-5094 to learn more about how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 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 $909,191, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Made Easy

For our entrepreneurial members, we provide robust Business Banking options that include Merchant Services and Business Loans. Whether you're just starting out or looking to expand, we're here to support your business journey.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Unicity, we offer comprehensive Online & Mobile Banking services that let you manage your accounts anytime, anywhere. Our mobile app allows for easy transactions such as person-to-person payments and bill pay right from your smartphone. Need cash quickly? We've got you covered with our ATM & Cash Withdrawal Services, which give you access to funds when you need them most. If you prefer face-to-face transactions, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your vehicle.

Get Started Today!

With so many services available at Unicity, we're confident you'll find what you're looking for. Don't hesitate to reach out! Call us at (214) 273-5094 or visit us online at Valley Ranch Branch to learn more about how we can help meet your financial needs. Your journey toward financial well-being starts here!

Personal Banking Solutions

We understand that managing your finances can be overwhelming, which is why we offer personal banking options designed to simplify your life. Our Checking & Savings Accounts provide flexible solutions for everyday banking, helping you save while enjoying easy access to your funds. If you're thinking about purchasing a car or need help with financing, our Auto Loans & Vehicle Financing options make it easy to drive away in the vehicle you want without breaking the bank. For those considering home ownership or refinancing, our Mortgage Loans & Refinancing services will guide you through the process step-by-step.

Support for Everyday Expenses

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation services come into play. We offer personalized solutions to help you manage and reduce debt effectively. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn points on your purchases making every dollar count.

Digital & Online Banking

Accessibility & Security

At Unicity, we prioritize your security. Our online services use advanced encryption technology to protect your personal information while ensuring that all transactions are safe and secure. The user-friendly interface means that navigating through various features is simple and intuitive, so you can focus on what matters most your financial goals. In summary, our digital and online banking services at Unicity offer a seamless way to manage your finances with ease and security. Visit us today at https://www.lascolinasfcu.com/ to learn more about how we can support you in achieving financial peace of mind!

Key Features

Our online banking platform offers a variety of features to simplify your banking experience. You can effortlessly view account balances, transfer funds, and pay bills all in one place. Plus, with our electronic signature authorization, signing documents online is quick and secure, so you can complete transactions without any hassle. If you prefer going paperless, we provide e-statements that allow you to track your financial activity securely and efficiently. You'll receive timely updates directly to your email, keeping everything organized without clutter.

Mobile Banking

Our mobile application enhances your banking experience even further. With mobile payments available, you can make purchases directly from your smartphone no need to carry cash or cards! Additionally, person-to-person transfers let you send money to friends and family instantly, making it easy to share expenses or settle debts.

Financial Strength

Community Trust

Total Share Accounts stand at 15,829, showing a strong and growing member base that trusts us with their finances. This trust underscores our commitment to providing excellent service and reliable financial solutions tailored just for you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Unicity is your trusted partner. Visit us at 555 Cimarron Trl Irving Tx 75063 or call (214) 273-5094 to learn more about how we can help you achieve your financial goals.

Investment in Future Growth

With $9,648,664 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 significant; we currently have $2,122 in used auto loans and $83,275,175 in total loans and leases available to support your financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $20,016,831 in share certificates and $8,989,316 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $12,973,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our focus on operational efficiency is evident with a net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 26 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Robust Financial Health

With a net worth of $9,648,664, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation supports our ability to serve you effectively now and in the future. Our net worth ratio of $920 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 $43,779,451 in used vehicle loans and $7,229,643 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your car-buying experience smooth and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $909,191 provide the capital needed to grow and expand. We understand that small businesses are the backbone of our community, and we're committed to supporting them through tailored lending solutions. Whether you're interested in auto financing, mortgage options, or personal credit lines, our team at Unicity is here to guide you every step of the way. You can reach us at (214) 273-5094, or visit us at 555 Cimarron Trl Irving Tx 75063, Irving, TX for more information on how we can assist you in achieving your financial dreams. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,346,845, make buying or refinancing simple. We offer various mortgage products that cater to different needs and budgets. If you're considering refinancing your current mortgage, we can help you explore eligibility options that may save you money.

Unsecured Credit Card Loans

Managing your finances effectively is essential, which is why we also offer flexible terms on unsecured credit card loans. With a total of $1,074,968 in loans, our credit card options provide the convenience and purchasing power you need without tying up your assets.

Loan Aggregator

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Unicity