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Texas Farm Credit is an agricultural lending cooperative that specializes in rural financing. We provide competitive rates, flexible terms and personal service to farmers, ranchers, rural residents and agribusiness firms, from the Red River to the Rio Grande Valley. Established in 1933, Texas Farm Credit is a part of the nationwide Farm Credit System, which is the leader in financing agricultural production and rural real estate. Our mission is to serve the agricultural and rural community by being a reliable lending source in both good times and bad. As a cooperative, Texas Farm Credit is owned by borrowers just like you and governed by a board of directors who are farmers and ranchers, themselves. That means we always have your best interest in mind and never lose sight of what is important to you. And, your ownership of the co-op entitles you to share in our earnings through our patronage program.
Higher One Holdings partners with colleges and universities to lower their administrative costs and to improve graduation rates. We provide a broad array of payment, refund disbursement and data analytics and management tools to institutions that help them save money and enhance institutional effectiveness. And for students, we offer financial literacy programs and convenient, flexible and affordable transaction options to help them manage their finances. Higher One is a leader in higher education, supporting more than 1,900 schools and 13 million enrolled students.
Experian is a global leader in providing information, analytical tools and marketing services to organizations and consumers to help manage the risk and reward of commercial and financial decisions. Using our comprehensive understanding of individuals, markets and economies, we help organizations find, develop and manage customer relationships to make their businesses more profitable.
A credit union`s operating philosophy is different from a bank`s. Banks are closely held corporations that exist to make money for their stockholders. Credit unions, on the other hand, are financial cooperatives, owned entirely by their members. Our goal is not to create profit but to provide the best possible financial services at the lowest possible costs. After paying our operating expenses, we return our "profit" to the members in the form of lower loan rates and higher savings yields. We are committed to providing exceptional service as well, paying personal attention to your needs and making sure that you always receive the greatest value when doing business with us. One of the most important things about Camino Federal Credit Union is that we are part of the community. We are owned by people who live, work, worship, and attend school with you. We are your friends and neighbors, and we share your goal of improving the quality of life for all.
Smart Financial is a Houston-based, financial cooperative, owned and operated by its members. We are always focused on people, not profits. Our entire staff is united in its passion to provide superior service. Our purpose is to give back to the community while helping valued owners like you with your financial needs.