At a glance
From its website, read 2 Nov 2026ONE SOURCE FEDERAL CREDIT UNION is a credit union based in El Paso, Texas. Its website describes auto loans, home repair loans, home mortgages and 1 other loan type. Where it lends: El Paso, TX and Las Cruces, NM (mortgage loans). It says it considers borrowers with low or no credit history. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (915) 592-0223 source |
|---|---|
| Toll-free | (800) 532-0223 source |
| Apply online | Page with the application link |
| Website | WWW.ONESOURCEFCU.ORG |
| Office (official list) | 8870 GAZELLE, El Paso, TX 79925 |
What their website says about applying
Input your personal information and loan details. The application takes about 5 minutes to complete.
sourceA loan officer will call you to go over your loan application and request any necessary documents needed.
sourceStop by one of our branches in El Paso or Las Cruces TODAY
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 4.59% - 17.99% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 5.49% - 17.99% | source |
| Auto / vehicle loans | Term: see their wording | 79 - 84 Months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Must be a OSFCU member.
source - First-time homebuyer program
First-Time Home Buyer Program
source - Low or damaged credit considered
Low Credit Score Programs
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 7 Apr 2014 |
| RSSD ID | 93374 |
| Address | 8870 GAZELLE, El Paso, TX 79925 Directions (Google Maps) |
| Website | WWW.ONESOURCEFCU.ORG |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The auto loan page's rate-table minimum financed amounts are conditions, not stated loan sizes, so loan sizes were left empty; the Spanish language evidence is only a site toggle label. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Dreaming of purchasing a vehicle or refinancing your current vehicle? | source |
| Home repair / improvement loans | — | Home Improvement - Up to 72 Months | source |
| Home mortgages | — | One Source FCU offers mortgage loans for primary residence, or second homes in El Paso, TX and Las Cruces, NM. | source |
| Personal / consumer loans | — | Signature Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
El Paso, TX and Las Cruces, NM (mortgage loans)
One Source FCU offers mortgage loans for primary residence, or second homes in El Paso, TX and Las Cruces, NM.
source
Counties this matches: Doña Ana County, NM, El Paso County, TX
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Ver el sitio en español
source
Online application
Yes — the site links to an application. Apply online or simply
source
Pages read (7)
- https://www.onesourcefcu.org/
- https://www.onesourcefcu.org/auto-loans
- https://www.onesourcefcu.org/rates/loan-rates
- https://www.onesourcefcu.org/promos/mortgage-loans
- https://www.onesourcefcu.org/loans-credit/mortgage-loans
- https://www.onesourcefcu.org/loans-credit/auto-loans
- https://www.onesourcefcu.org/loans-credit/new-vehicles
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.2 million in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as ONE SOURCE (charter 2115). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $124 million (as of 30 Jun 2026) |
|---|---|
| Members | 10,654 (as of 30 Jun 2026) |
| Offices | 3 in 2 states (as of 30 Jun 2026) |
Offices by state and county (3)
Texas (2 offices)
- El Paso County (2): 8870 Gazelle Dr, El Paso 79925 (main office); 5730 Cromo Dr, El Paso 79912
New Mexico (1 office)
- Doña Ana County (1): 1375 E Boutz Rd, Las Cruces 88001
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by ONE SOURCE FEDERAL CREDIT UNION (NCUA charter 2115, filed as “ONE SOURCE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $72.2 million, 3,774 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 6.2% from $77 million on 30 Jun 2025 |
| Members | 10,654 (as of 30 Jun 2026); 10,727 (as of 30 Jun 2025) |
| Loans per member | $6,776 (total loans divided by members, 30 Jun 2026) |
| Total assets | $124 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $15.7 million | 21.7% |
| Used vehicle loans | $35.9 million | 49.8% |
| First-lien home mortgages (1-4 family) | $15.1 million | 21.0% |
| Other unsecured loans | $4.8 million | 6.6% |
| Leases and other secured loans | $706,167 | 1.0% |
None reported on the 30 Jun 2026 report: other real estate loans (junior liens, other); commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $124 million | Larger than 36% of the 14 other certified credit unions in Texas (median $191.6 million). |
| Loans as a share of assets | 58% | Median of the same 14 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $77 million → $72.2 million (-6%) | Median change of 14 other certified credit unions in Texas: +5%. Rank by loans held among these 15: 11 → 10. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Texas | 14 | larger than 36% |
| Loans held then vs now | certified credit unions in Texas reporting both dates | 14 | rank 11 → 10 of 15 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in El Paso and Texas
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- FIRSTLIGHT FEDERAL CREDIT UNIONCredit union · El Paso, TXAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- GECU Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Mountain Star Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loans, Personal / consumer loansVerified
- Raiz Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loansVerified
- Tigua Community Development CorporationLoan fund · El Paso, TX · Native CDFIOfficial list only
Work at ONE SOURCE FEDERAL CREDIT UNION? Link to this page
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