United Energy Credit Union Houston TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to United Energy, your trusted financial partner located at 1111 Louisiana St Ste B102, Houston, TX 77002. Since opening our doors in 1934, we have been dedicated to providing exceptional service and support to our members now totaling over 3,346 strong. With assets amounting to an impressive $29,261,977, we are well-equipped to meet your financial needs. At United Energy, we understand that every member has unique goals. Whether you're looking for auto loans, personal banking options, or business services, we've got you covered with a wide range of offerings tailored just for you. Our commitment goes beyond numbers; it's about building lasting relationships within our community. Our team, led by CEO Debbie Hendrix and Board President Lynette Sealy, strives to create a welcoming atmosphere where you can feel confident in your financial decisions. We take pride in having a dedicated staff of 11 employees, ensuring personalized attention and care for each member. While you can visit us at our branch for face-to-face assistance during our lobby hours Monday, Thursday & Friday from 9:30 AM to 5:30 PM we also encourage you to explore our online resources at unitedenergycu.com for convenient banking solutions. If official correspondence is needed, please send it to our mailing address: 1111 Louisiana Suite B-102, Houston, TX 77002. With total deposits reaching $1,502,859 and a net worth of $4,948,832, we are committed to maintaining the strength and stability that you expect from your credit union. Let us help you achieve your financial dreams visit or call us today at 713-964-1788!

Branch History & Mission

At United Energy, our story began in 1934 in the heart of Houston, Texas. From our humble beginnings, we have grown into a vibrant credit union that serves over 3,346 members today. Our branch, located at 1111 Louisiana St Ste B102, Houston, TX 77002, has become a cornerstone for financial empowerment within the community. With a legacy spanning nearly nine decades, we are proud to provide personalized financial services that cater to the unique needs of our members. Our mission is clear: to foster financial well-being and support our community. We offer a range of services from checking and savings accounts to auto loans and mortgages. Every service we provide is designed with our members' best interests at heart. We believe that everyone deserves access to quality financial products and education, which is why we strive to create an inclusive environment where all feel welcome and valued. While you can visit us at our branch for your banking needs, official correspondence should be directed to our mailing address: 1111 Louisiana Suite B-102, Houston, TX 77002. This ensures that your messages reach us promptly as we work to assist you. As technology advances, so do we. At United Energy, we embrace digital innovations that enhance member experiences. Our online banking platform allows members to manage their finances conveniently from anywhere. We also ensure accessibility for all by maintaining ADA compliance across our services. Community outreach is integral to who we are. Over the years, we've partnered with local organizations to support various initiatives aimed at improving the lives of those around us. Whether it's sponsoring events or participating in local charities, we are committed to making a positive impact right here in Houston. United Energy's total assets now stand at an impressive $29,261,977 a testament to our members' trust and confidence in us. Our dedicated team works tirelessly every day during lobby hours on Monday, Thursday, and Friday from 9:30 AM to 5:30 PM to ensure that each member receives exceptional service tailored specifically for them. We invite you to become part of the United Energy family! Join us today and experience firsthand the benefits of being a member of a credit union dedicated not only to your financial success but also to enriching our wonderful community. For more information on how you can open an account or learn about membership eligibility, visit us online at unitedenergycu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 713-964-1788! We look forward to welcoming you at United Energy and helping you achieve your financial goals. Whether you're stopping by for advice or simply passing through the area, we're here for you!

Nearby Landmarks and Accessibility

Located just a stone's throw away from popular spots like Discovery Green and the George R. Brown Convention Center, our branch is not only easy to find but also surrounded by vibrant city life. We have ample parking available nearby to ensure you have a hassle-free experience. Our facilities are designed with accessibility in mind, featuring ADA-compliant ramps and spacious entryways so everyone can visit us comfortably.

Operating Hours and Services

We understand that your time is valuable. That's why we're open Monday, Thursday, and Friday from 9:30 AM to 5:30 PM to cater to your banking needs. While we don't offer ATM or drive-thru services at this location, our dedicated staff is here to assist you with a range of services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and more. If you need to send us official correspondence, please note that while our branch address is 1111 Louisiana St Ste B102, official mail should be directed to 1111 Louisiana Suite B-102, Houston, TX 77002.

Member Eligibility

At United Energy, we believe in building a welcoming community where everyone can thrive. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the Houston area. We're all about inclusivity, so if you meet these criteria, we'd love to have you join us! Membership comes with fantastic benefits like competitive rates on loans, personalized service, and access to a variety of financial products designed just for you. For more detailed information about eligibility, feel free to check out our website at http://www.unitedenergycu.com/membership/ . When you're ready to take the next step toward membership, visit our account opening page at https://www.financial-net.com/unitedenergycu/lending or give us a call at (713) 964-1788. We can't wait to welcome you into the United Energy family at our convenient location: 1111 Louisiana St Ste B102 Houston Tx 77002!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine being able to accept payments effortlessly while managing your cash flow more effectively. Our merchant services streamline payment processing, allowing you to focus on what matters most growing your business. Whether you're a small shop or a large enterprise, our solutions are designed to meet your needs. Ready to take your business to the next level? Contact us today at (713) 964-1788 or visit us online at https://unitedenergycu.com/ for more information about how our business banking and commercial services can benefit you!

Comprehensive List Of Services

Accessibility

While we do not currently offer ATM or drive-thru services at our branch, our commitment remains strong in ensuring that all members have access to their accounts whenever they need them. At United Energy, we're committed to making banking as easy and accessible as possible for everyone in Houston. If you're ready to explore how we can meet your financial needs or if you have any questions about our services, please don't hesitate to reach out! Call us today at (713) 964-1788 or visit us at https://unitedenergycu.com/ for more information. Your financial well-being is just a conversation away!

Auto Loans & Vehicle Financing

For those looking to hit the road in a new car, our auto loans and vehicle financing solutions are designed with you in mind. We work hard to provide competitive rates so that purchasing your dream vehicle is both affordable and straightforward.

Business Banking

For business owners, United Energy offers tailored business banking services including merchant services and business loans. We recognize the challenges of managing a business, so we're here to help you secure the funding necessary for growth while providing convenient banking solutions.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we have invested in robust online and mobile banking platforms. Our members can enjoy features like person-to-person payments and e-statements making it easier than ever to manage finances on-the-go.

Mortgage Loans & Refinancing

If homeownership is on your horizon or if you're considering refinancing your current mortgage, our mortgage loans cater to first-time buyers and seasoned homeowners alike. We'll guide you through the process, ensuring that you understand each step along the way.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that fit your lifestyle. Imagine having the flexibility to access your funds anytime through our easy-to-use online and mobile banking services. Need help managing debt? Our personal loans and debt consolidation options can lighten your financial load, giving you peace of mind. Plus, our credit cards come with rewards to make everyday purchases even more rewarding.

Digital & Online Banking

Key Services

With our online banking services, you can check your balance, transfer funds, and pay bills with just a few clicks. Plus, if you prefer going paperless, our e-statements make it easy to stay organized and environmentally friendly all while keeping your information secure. Need to send money to a friend or family member? Our person-to-person transfers feature allows you to send money quickly and easily without needing cash or checks. It's a great way to split bills or send gifts!

Mobile Access

For those who are always on the move, our mobile application gives you the flexibility to manage your accounts from anywhere. You can view transactions, deposit checks using electronic signature authorization, and even set up alerts for account activity. While we currently don't support mobile payments directly through the app, our features ensure that all transactions remain safe and straightforward. You can still enjoy the convenience of managing your finances right from your smartphone.

Security First

Your safety is our priority. Our online banking system uses advanced security measures to protect your personal information. We want you to feel confident every time you log in or make a transaction. In today's fast-paced world, having reliable digital banking options is essential. At United Energy, we're committed to providing accessible and user-friendly solutions that meet your needs. Explore more about what we offer by visiting us at https://unitedenergycu.com/ !

Financial Strength

Growing Member Base

Total Share Accounts: 6,409, 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, United Energy is your trusted partner. Visit us at 1111 Louisiana St Ste B102 Houston Tx 77002 or call 713-964-1788 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $5,123,972 in share certificates, 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 operational efficiency is reflected in our net income of $37,622, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 10 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Future

With $4,875,577 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 $38 million in used auto loans and $20.5 million in total loans and leases.

Strong Financial Health

With a net worth of $4,948,832, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1689 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 $8,017,559 in used vehicle loans and $9,524,315 in new vehicle loans already helping members get on the road. We provide tailored options for both new and used vehicles to fit your budget. Plus, if you're considering refinancing your current auto loan, we have options available to help you save even more.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $409,931 in loans helping members manage their finances effectively. These cards come with various benefits designed to give you the purchasing power you need while maintaining control over your spending.

Credit Lines

For those needing additional flexibility, our total credit lines amount to $1,500,000. This allows you access to funds whenever you need them without the hassle of applying for a new loan each time. At United Energy located at 1111 Louisiana St Ste B102 Houston TX 77002, we pride ourselves on providing clear information and guidance throughout your borrowing journey. If you're interested in learning more about eligibility requirements or opening an account with us, please visit our website or call us at 713-964-1788 during our operating hours: Monday, Thursday & Friday from 9:30 AM to 5:30 PM. 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 look forward to partnering with you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we offer Junior Lien 1-4 Family Residential Properties loans totaling $0. This means that while we do not have specific offerings for junior lien mortgages right now, we encourage you to check back for future updates or explore our other financing solutions.

Loan Aggregator

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UNITED ENERGY CREDIT UNION - Houston, TX