Business Details
Your Trusted Financial Partner for Life in Carrollton, TX
Resource One Credit Union has been dedicated to empowering members through personalized financial solutions since our founding. As a member-owned, not-for-profit institution, we prioritize community engagement and financial education to help individuals achieve their goals. Our services span auto loans, credit cards, mortgages, and business banking, all designed with transparency and member-centric values. We believe in removing financial burdens by offering realistic solutions and fostering trust through every interaction. With a focus on humanity over profit, we treat each member as an individual, providing tailored guidance and support. Our commitment to advancing personal achievement extends to financial coaching programs like Resource Rescue and Budget Buddy services.Operating in Dallas, Houston, and surrounding areas, we combine digital convenience with local expertise through mobile banking, video consultations, and physical branches. Our competitive rates, including auto loans starting at 5.84% APR and certificates up to 3.82% APY, reflect our dedication to member success. By championing financial literacy and accessible services, we strive to make banking a tool for life improvement rather than a burden. This philosophy has earned us recognition as a trusted financial partner in the communities we serve.
Services
Auto Loans
Credit Cards
Mortgage Loans
Business Banking
Financial Education
Digital Banking
Certificate Accounts
ITIN Lending
Resource Rescue
Video Banking
Highlights and features
- We are a member-owned, not-for-profit financial cooperative
- We offer financial education programs like Resource Rescue and Budget Buddy
- Our services prioritize community engagement and personalized support
- We provide competitive rates on loans and investment products
- We combine digital convenience with local branch accessibility
Services
Auto Loans
Our auto loan program offers competitive rates starting at 5.84% APR for both new and used vehicles. We provide flexible terms and personalized guidance to help members find affordable financing solutions. This service supports our mission to make essential financial products accessible to all members regardless of credit history.
Financial Education
Resource Rescue and Budget Buddy programs deliver free financial coaching and educational resources to help members improve money management skills. These services include personalized budgeting assistance and tools for long-term financial planning. Our approach emphasizes practical solutions over theoretical concepts to address real-life financial challenges.
Digital Banking
24/7 digital banking platform enables account management, bill payments, and money transfers from any device. Video banking appointments connect members with financial experts for personalized guidance. This technology combines convenience with security to meet modern banking needs while maintaining personal support options.
Certificate Accounts
Our certificate programs offer competitive returns with Regular Certificates up to 3.56% APY and IRA Certificates up to 3.82% APY. These fixed-rate investment options provide secure growth opportunities for members' savings. Terms and rates are designed to accommodate various financial goals and risk tolerances.
ITIN Lending
We provide equal access to financial products for members with Individual Taxpayer Identification Numbers, including loans at the same competitive rates as traditional accounts. This service supports our commitment to financial inclusion and community development by serving all residents regardless of immigration status.
Questions
Who is eligible to join Resource One Credit Union?
Anyone living or working in Dallas or Northwest Harris counties, within ten miles of our Carrollton branch, or immediate family members of current members can join.
What digital banking options do you offer?
We provide 24/7 online banking, mobile banking apps, and video banking appointments with financial experts for convenient account management.
Do you offer financial education resources?
Yes, our Resource Rescue program and free Budget Buddy service provide personalized financial coaching and educational tools to help members improve money management skills.
Can I get a loan with non-traditional identification?
We offer ITIN lending services, allowing members with Individual Taxpayer Identification Numbers to access the same loan products and rates as traditional members.
What investment options are available?
We offer certificate accounts with competitive rates up to 3.82% APY for IRA accounts and 3.56% APY for regular certificates with various term options.
How does being a credit union benefit members?
As a member-owned, not-for-profit institution, we reinvest earnings to provide better rates, lower fees, and personalized services that directly benefit our members rather than external shareholders.
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