Velocity Credit Union Cedar Park TX | Low Mortgage Rates & Quick Auto Loans

Introduction

At Velocity, we believe in empowering our members and the community of Cedar Park, Texas. Established in 1947, our branch at 1230 E New Hope Dr, Cedar Park, TX 78613 has been a trusted financial partner for over 75 years. With a total membership of 76,922, we pride ourselves on being more than just a credit union; we are your neighbors, committed to fostering financial wellness for everyone we serve. With assets totaling an impressive $1,030,172,313, our financial strength allows us to offer a wide range of services tailored to meet the diverse needs of our members. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. In fact, we currently manage 36,417 loans and leases, reflecting our dedication to supporting your financial goals. Our leadership team is equally committed to your success. Under the guidance of CEO Debbie Mitchell and Board President Kasha Bartholomew, we continuously strive to create a welcoming environment that fosters trust and reliability. Our team is here to assist you every step of the way. While members can visit us at our Cedar Park location for all their banking needs, official correspondence should be sent to our mailing address: PO BOX 1089, Austin, TX 78767-1089. For any inquiries or assistance, feel free to reach out at 512-469-7000. Come experience how Velocity is not just about transactions but building lasting relationships within our community. We invite you to explore all that we have to offer visit us today or check out our website at velocitycu.com for more information!

Branch History & Mission

Welcome to Velocity, a cornerstone of the Cedar Park community since its inception in 1947. Located at 1230 E New Hope Dr, Cedar Park, TX 78613, our branch has grown and evolved alongside the families and businesses we serve. With a current membership exceeding 76,922 individuals, Velocity stands proud as a trusted partner in financial wellness for our members. Our mission at Velocity is simple yet powerful: to empower our members through accessible financial services while fostering a strong sense of community. We believe that everyone deserves the opportunity to thrive financially. This commitment drives us to provide personal banking options, auto loans, mortgages, credit cards with rewards, and business banking services tailored to meet the diverse needs of our members. Since our early days, we have focused on building lasting relationships within Cedar Park and beyond. Whether you visit us for traditional banking services or take advantage of our modern online and mobile banking platforms, we are dedicated to making your experience seamless and rewarding. We also offer drive-thru service for your convenience and maintain ATM availability for quick access to your funds. While members can visit us at 1230 E New Hope Dr, official correspondence should be sent to PO BOX 1089, Austin, TX 78767-1089. Our operating hours reflect our dedication to serving you; we're open Monday through Friday from 9 AM to 5 PM, and Saturday from 9 AM to 2 PM. Over the years, Velocity has embraced technology to enhance member experience while ensuring compliance with ADA standards. We understand that banking should be straightforward and accessible for everyone. Our ongoing efforts include partnerships with local organizations aimed at community outreach and support, reinforcing our belief that strong communities build strong futures. At Velocity, we invite you to be part of our journey toward financial success. Join us today and discover how we can help you achieve your financial goals while making a positive impact in Cedar Park. Reach out via phone at 512-469-7000 or explore more about us on our website here. Together, let's build a brighter future!

Branch Location & Accessibility

Operating Hours

We know that life can get busy, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM. If you're in a hurry during the week, take advantage of our drive-thru service available Monday through Friday from 8 AM to 5 PM and Saturday from 9 AM to 2 PM. We're here when you need us!

Services Offered

At Velocity Credit Union, we provide a range of services tailored to meet your financial needs from personal banking with checking and savings accounts to auto loans and mortgage refinancing options. Plus, enjoy the convenience of online and mobile banking right at your fingertips. Need cash? No worries; we have ATM availability on-site for quick withdrawals and balance checks. So whether you're looking for assistance with your personal finances or exploring business banking options, our dedicated team is ready to help you every step of the way. We invite you to stop by or give us a call at 512-469-7000 today! Experience firsthand how Velocity Credit Union can support your financial journey in Cedar Park.

Member Eligibility

At Velocity, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming, whether you're new to the area or looking for a fresh start. You can join us if you live, work, worship, or attend school in certain areas of Texas, or if you have a family member who's already a member. We want to ensure that our membership reflects the vibrant community we serve at our branch located at 1230 E New Hope Dr Cedar Park Tx 78613. The benefits of joining Velocity are numerous from competitive loan rates to personalized service that puts you first. Plus, you'll gain access to all our services, including checking and savings accounts, auto loans, and more. If you're ready to take the next step, you can easily open your account online by visiting us here. For more information on eligibility criteria, check out our detailed guidelines at . If you have any questions or need assistance, feel free to reach out to us at (512) 469-7000. We're excited to welcome you to our community!

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 $2 in commercial loans for our members, helping businesses scale and succeed. This funding has empowered local entrepreneurs to take their ideas from concept to reality, driving innovation right here in Cedar Park, TX. - While we focus on our members, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that meet diverse needs. - With an outstanding commercial loan portfolio of $133,708, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Our merchant services are designed to simplify transactions and help you manage payments effortlessly. Imagine running your shop while knowing that payment processing is seamless and secure. From credit card acceptance to mobile payment solutions, we equip you with tools that enhance customer experience and streamline operations. Join us at Velocity, located at 1230 E New Hope Dr Cedar Park Tx 78613, and discover how our business banking and commercial services can fuel your success. Reach us at (512) 469-7000 for more information!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Dreaming of a new car? Our Auto Loans & Vehicle Financing options are here to help turn that dream into reality. Whether it's a brand-new model or a reliable used vehicle, we provide competitive rates and flexible terms that suit your budget. Plus, with our fast approval process, you can hit the road sooner than you think!

Business Banking Solutions

If you're a business owner, our Business Banking services are designed with you in mind. From Merchant Services that simplify transactions for your customers to Business Loans that can help fund growth initiatives, we're here to support your business journey.

Convenience at Your Fingertips

At Velocity, convenience is key. We provide Basic Drive-Thru Banking options for quick deposits and withdrawals without leaving your car. With hours that cater to busy schedules our lobby is open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM you can easily fit banking into your day. In conclusion, whether you're at home or on the move, Velocity offers comprehensive services that meet all your financial needs. For more information about how we can help you reach your financial goals or if you'd like assistance opening an account, please don't hesitate to contact us at 512-469-7000 or visit us online at velocitycu.com. We look forward to serving you!

Credit Cards with Rewards

For those who enjoy rewards while spending, our Credit Cards with Rewards program offers points for every purchase made. It's an easy way to earn benefits on things you already buy!

Mortgage Loans & Refinancing

Homeownership is an important goal for many of our members. At Velocity, we offer Mortgage Loans & Refinancing solutions that help make buying a home or upgrading your current one as smooth as possible. Our team is ready to guide you through each step of the process, ensuring you find the best mortgage option for your unique situation.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services that include checking and savings accounts designed with you in mind. Need to get your hands on cash quickly? Our ATM services allow easy access for withdrawals and balance checks. If you're on the go, our online and mobile banking features make it simple to manage your accounts from anywhere at any time.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation services can provide relief. We work with you to create a manageable repayment plan tailored specifically to your needs, helping you regain control over your finances.

Digital & Online Banking

E-Statements and Security

Say goodbye to paper clutter with our e-statements feature! Not only do you receive your statements faster, but they're also securely stored in your online account for easy access whenever you need them. Plus, with enhanced security features throughout our digital platforms, you can bank with confidence knowing that your information is protected.

Mobile Application

For those on the go, our mobile application makes it simple to bank from your smartphone. You can make payments, deposit checks, and even set up electronic signatures all with the touch of a button. Enjoy the convenience of mobile payments through our app, so you can leave your wallet behind while still handling all your financial needs.

Online Banking Services

With our 24/7 online banking, you can access your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or reviewing recent transactions, everything is just a click away. To get started, visit us at https://www.velocitycu.com/ and explore the possibilities.

Person-to-Person Transfers

Need to send money to a friend? Our person-to-person transfer feature allows you to quickly send funds without any hassle. It's fast and convenient perfect for splitting bills or sending gifts. At Velocity, we are dedicated to providing accessible and efficient banking solutions tailored for modern lifestyles. Experience the ease of managing your finances digitally today!

Financial Strength

A Solid Financial Foundation

With a net worth of $154,057,049, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,485 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth and Support

With $146,836,250 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 robust; we have $11,659 in used auto loans and $603,574,293 in total loans and leases available to support your financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 209 full-time employees and 4 part-time employees ready to assist you with a knowledgeable and committed team.

Member-Centric Savings Options

Your savings matter to us. Members' savings are secured through $135,504,325 in share certificates and $202,175,901 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.

Trust Built on Numbers

We're here for you! With total share accounts at 128,930, our growing member base shows that more individuals trust us with their finances. And while we have net shares (funds available for lending) totaling $0, it reflects our commitment to ensuring your needs come first. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Velocity is your trusted partner. Visit us at 1230 E New Hope Dr Cedar Park Tx 78613 or call (512) 469-7000 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $265,045,368 in used vehicle loans and $124,315,090 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our team is here to guide you through the process and ensure you get the best deal possible.

Business Loans

For business owners, our outstanding commercial loans totaling $133,708 provide the capital needed to grow and expand your enterprise. We understand that every business has unique challenges and opportunities; that's why we work closely with you to find the right financing solutions that align with your objectives.

Credit Lines

Our total credit lines amounting to $490,524,526 offer additional flexibility for those times when unexpected costs arise or when you simply want access to funds for special projects. With straightforward application processes and transparent terms, obtaining a line of credit from Velocity is hassle-free.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $82,890,801, make buying or refinancing simple. We believe that everyone deserves a chance at owning their own home, and our competitive rates and flexible terms can help make that dream a reality.

Refinancing Options

If you're looking at ways to lower your monthly payments or consolidate debts, we also provide refinancing options across various loan types. This can help you save money and improve your financial situation over time. For more information about our loan offerings or eligibility requirements, feel free to contact us at (512) 469-7000 or visit us at our branch located at 1230 E New Hope Dr Cedar Park Tx 78613 in Cedar Park, 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. At Velocity, we're dedicated to helping you secure the funding you need while ensuring an easy and straightforward borrowing experience.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $30,847,836 in loans helping members manage their finances effectively. Whether you need to cover unexpected expenses or want to make purchases while building your credit score, our unsecured credit cards are designed to meet your needs without added stress.

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 allows users to easily explore their options and make informed decisions based on clear and accurate information. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency is backed by the latest results from the NCUA (Source: https://www.ncua.gov), which guarantees that all offers presented are fair and reliable. One of the standout features of LendMesh is its Verified Data. All loan offers come from legitimate financial institutions, ensuring that users are viewing transparent options tailored to their needs. Additionally, LendMesh prides itself on having No Sponsored Listings; lenders are not prioritized based on paid promotions, so users can trust that the results are unbiased. Another significant benefit of using LendMesh is the Real-Time Rate Comparisons it provides. Users receive up-to-date loan rates from multiple institutions, equipping them with the information needed to make sound financial choices. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and user-friendly the platform is. 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.*

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