Westex Credit Union Lubbock TX | Top Auto Loans & Business Banking

Introduction

Welcome to Westex Federal Credit Union, a trusted financial partner serving the Lubbock community since 1946. Located at 901 Avenue Q, Lubbock, TX 79401, we take pride in providing our members with personalized banking solutions tailored to meet their unique needs. With a total membership of 7,044 and assets exceeding $76,525,811, we are dedicated to fostering financial growth and stability for everyone we serve. At Westex, our commitment goes beyond just numbers; it's about building relationships within our community. Under the leadership of CEO Vicki Love and Board President Albert Perez, we strive to create a welcoming environment where members can access a wide range of services from checking and savings accounts to auto loans and credit cards with rewards. Our goal is to make banking simple, efficient, and accessible. While members can visit us at our branch location, official correspondence should be sent to the same address: 901 Avenue Q, Lubbock, TX 79401. Feel free to reach out at (806) 765-5701 or explore our website at westexfcu.com for more information on how we can assist you. Join us as we continue to grow together let's work toward achieving your financial goals!

Branch History & Mission

At Westex Federal Credit Union, we are proud of our rich history and unwavering mission to serve the community of Lubbock, TX. Founded in 1946, our credit union has grown from a small group dedicated to supporting each other into a thriving institution with over 7,000 members and total assets exceeding $76 million. We are located at 901 Avenue Q, a place that embodies our commitment to accessibility and community engagement. Since our inception, Westex has been dedicated to providing personalized financial services that empower individuals and families. Our journey began with a vision to create a financial institution that puts people first. Over the decades, we have expanded our offerings to include personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also support local businesses through merchant services and business loans. Our mission is clear: we strive to improve the financial well-being of our members while fostering a sense of community. We believe that everyone deserves access to quality financial services tailored to their unique needs. Whether you're looking for assistance with your first car loan or seeking guidance on retirement planning, our team is here to help. In addition to traditional banking services, we recognize the importance of digital advancements in today's world. That's why we've embraced online and mobile banking solutions, ensuring that you can manage your finances conveniently from anywhere. Our commitment extends beyond just banking; we are also dedicated to community outreach efforts that make a positive impact in Lubbock. While members can visit us at 901 Avenue Q for all their banking needs, official correspondence should be sent to the same address. We operate Monday through Friday from 9:00 am to 5:30 pm, with drive-thru service available from 7:30 am to 6:00 pm for added convenience. As we continue to grow and adapt, we invite you to join the Westex family. Experience the difference of being part of a credit union that genuinely cares about its members and the community it serves. Together, we can build a brighter financial future for everyone in Lubbock! For more information or to become a member today, please call us at 806-765-5701 or visit our website at westexfcu.com.

Branch Location & Accessibility

Welcome to Westex Federal Credit Union, your friendly neighborhood banking partner located conveniently at 901 Avenue Q in Lubbock, Texas. Nestled in the heart of Lubbock County, our branch is easily accessible and just a stone's throw away from notable landmarks like the Lubbock Memorial Civic Center and the Buddy Holly Center, making it simple for you to stop by while enjoying everything our vibrant community has to offer. We understand how important accessibility is to our members. Our branch is designed with features that comply with ADA standards, ensuring everyone can visit us comfortably. Ample parking is available right outside our doors, making it easy to find a spot when you need to drop by. At Westex Federal Credit Union, we're here for you during our lobby hours from Monday through Friday, opening bright and early at 9:00 AM and closing at 5:30 PM. If you're on the go, take advantage of our drive-thru banking service that operates even earlier starting at 7:30 AM and closing at 6:00 PM. It's perfect for quick transactions without having to leave your vehicle. Need cash or want to check your balance? We also offer ATM services right here at our branch for your convenience. Whether you're looking to manage your personal accounts or explore options for auto loans, mortgage financing, or credit cards with rewards, our knowledgeable staff is ready to assist you every step of the way. For any official correspondence, please send mail to our branch address: 901 Avenue Q, Lubbock, TX 79401. If you have questions or would like more information about what we offer, don't hesitate to give us a call at 806-765-5701. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Westex is like joining a caring family that's ready to support you on your financial journey. If you're interested in membership, you'll find that eligibility is welcoming and straightforward. Generally, anyone who lives, works, worships, or attends school in the Lubbock area can join us. This means we're open to a wide range of community members who want to take advantage of our personalized banking services. By choosing Westex, you'll enjoy benefits such as competitive rates on loans and savings accounts, along with access to friendly staff who are dedicated to helping you achieve your financial goals. Ready to become a member? The process is simple! Just visit us at 901 Avenue Q Lubbock Tx 79401 or give us a call at (806) 765-5701 for more information. You can also check out the detailed eligibility criteria here and see how easy it is to get started with your new account by visiting this link: https://westexfcu.com/loans/applications-forms/estatements-enrollment/. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine seamlessly processing payments from customers while keeping your cash flow steady. Our merchant services enable you to accept various payment methods easily, allowing you to focus on what truly matters growing your business. From credit card processing to mobile payments, we provide the tools you need to thrive in today's competitive market. Visit us at 901 Avenue Q Lubbock Tx 79401 in Lubbock, TX or call us at (806) 765-5701. Together, let's build a brighter future for your business!

Tailored Commercial Loans

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.

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer Business Banking services including merchant services and business loans. We understand that running a business can be challenging; that's why we aim to provide the financial support needed for growth and stability.

Convenient Access

At Westex, we know that convenience matters. Our branch features an ATM where you can make withdrawals or check balances anytime. Plus, our basic drive-thru banking allows for quick deposits and simple transactions without leaving your vehicle.

Credit Cards

Our Credit Cards with Rewards give you the opportunity to earn points on everyday purchases. Picture using your card for groceries and then redeeming those points for travel or shopping rewards it's a smart way to get more from your spending!

Getting Started

Ready to take the next step? With everything from personal accounts to business services, we're here to support you every step of the way. Visit us at 901 Avenue Q Lubbock Tx 79401 in Lubbock, TX or explore more about what we offer on our website: Westex Federal Credit Union. We look forward to serving you!

Loans and Financing

When it comes to financing your dreams, we've got you covered! Whether you're in the market for a new car with our Auto Loans & Vehicle Financing, or ready to purchase a home with our Mortgage Loans & Refinancing, our competitive rates make it easier for you to achieve your goals. If you're facing unexpected expenses, consider our Personal Loans & Debt Consolidation options, which provide flexible solutions tailored just for you.

Personal Banking

For those looking to manage their day-to-day finances, we offer Personal Banking options that include checking and savings accounts. These accounts are designed to help you easily access your funds while earning interest over time. Imagine being able to track your spending with ease through our Online & Mobile Banking features, allowing you to check balances or transfer funds right from your smartphone.

Digital & Online Banking

Key Services Offered

Our online banking service is available 24/7 at https://westexfcu.com/, allowing you to check balances, transfer funds, and pay bills at your convenience. If you prefer to manage your banking on the go, our mobile application is here to help. It provides all the features you need right at your fingertips whether you're making person-to-person transfers or utilizing our mobile payments feature. For those who appreciate going paperless, we provide e-statements that give you a clear view of your transactions without cluttering your mailbox. This not only helps you keep track of your finances but also contributes to a greener environment. And if you ever need to sign documents digitally, our electronic signature authorization feature ensures that everything is secure and straightforward.

Security You Can Trust

Your safety is our priority. Our online banking platform is equipped with robust security measures to protect your personal information while providing an easy-to-use interface. You can confidently manage your account knowing that we take every precaution to safeguard your data. Whether you're checking balances during lunch or transferring money from the comfort of your home, Westex makes it simple and accessible. Explore all these features and more by visiting us online today!

Financial Strength

Growing Member Base

With 11,581 total share accounts, we show a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, which allows us to support even more members on their financial journeys. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Westex is your trusted partner. Visit us at 901 Avenue Q Lubbock Tx 79401 or call (806) 765-5701 to learn more about how we can help you achieve your financial goals.

Investments in Your Future

With $7,787,050 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is reflected in our $746 in used auto loans and $27,229,651 in total loans and leases, supporting members' financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $8,749,568 in share certificates and $9,541,956 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 evident through our $17,147, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 0 part-time employees ready to assist you with a knowledgeable team.

Strong Financial Health

With a net worth of $7,828,476, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.22% 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 $14,892,434 in used vehicle loans and $5,652,349 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Credit Lines

For those looking for added flexibility, we provide credit lines totaling $3,500,000. This option gives you easy access to funds when you need them without having to apply for another loan each time. At Westex, we prioritize your financial well-being and strive to offer solutions tailored to your needs. If you're considering refinancing or want to learn more about eligibility options, don't hesitate to contact us. Remember, 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 assisting you on your journey towards achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,704,266, make buying or refinancing simple. We work closely with our members to ensure they find the right mortgage product that fits their unique situation.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $456,406 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards, allowing you to make purchases while earning benefits.

Loan Aggregator

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WESTEX FEDERAL CREDIT UNION - Lubbock, TX

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