1st Northern California Credit Union Benicia CA | Best Auto Loans & Business Banking

Introduction

Welcome to 1st Northern California, your trusted partner in financial well-being since 1949. Located at 560 1St St Ste B106, Benicia, CA 94510, our branch is more than just a place to manage your money it's a community hub dedicated to empowering our members and enhancing their lives. With a total membership of 32,319 individuals and assets exceeding $823,837,786, we are committed to providing personalized service and competitive financial solutions tailored to your needs. At 1st Northern California, we believe in the power of community. Our experienced team of 91 employees, led by CEO David Green and Board President Stephen Ybarra, works tirelessly to ensure that every member feels valued and supported. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or business banking services, we have you covered. We currently hold over $45,092,533 in deposits and have facilitated nearly 10,969 loans and leases, showcasing our dedication to helping you achieve your financial goals. While members can visit us at our Benicia branch, official correspondence should be sent to the same address: 560 1st St Ste B106, Benicia, CA 94510-3579. If you have any questions or need assistance, don't hesitate to call us at 925-228-7550 during our lobby hours from Monday to Friday. Join us today and discover how we can help you reach new heights in your financial journey. Visit our website at 1st Northern California for more information about our services!

Branch History & Mission

Commitment to Innovation

As times change, so do we. At 1st Northern California, we're committed to staying current with digital advancements that enhance your banking experience. Our online and mobile banking services ensure you can manage your finances conveniently from anywhere. We take pride in being ADA compliant and continuously improving accessibility for all members. While you can visit us at our branch location for personal service during our operating hours Monday through Wednesday from 9:00 am to 4:00 pm, Thursday from 9:00 am to 6:00 pm, and Friday from 9:00 am to 5:00 pm we also offer an ATM for your convenience.

Join Us!

We invite you to become part of the 1st Northern California family. Experience firsthand how we prioritize your financial well-being while actively contributing to the community's growth. For official correspondence, please use our mailing address at 560 1st St Ste B106, Benicia, CA 94510-3579 if different from our branch address. For more information about membership or services offered, don't hesitate to reach out at (925) 228-7550 or visit us online at 1st Northern California. Together, let's build a brighter future!

Our Mission

The mission of 1st Northern California is straightforward yet profound. We strive to deliver personalized financial services that make a positive impact on the lives of our members. Whether it's helping someone purchase their first home, offering auto loans for reliable transportation, or providing business banking solutions that drive growth, we are here for you every step of the way. We believe in not just supporting our members financially but also enriching the community through outreach programs and partnerships with local organizations. By investing in initiatives that uplift those around us, we aim to create a thriving environment for everyone in Benicia and beyond.

Branch Location & Accessibility

Welcome to 1st Northern California, your friendly neighborhood credit union located at 560 1St St Ste B106, Benicia, CA 94510. Our branch is nestled in the heart of beautiful Benicia, making it easy for you to access our services. Whether you're popping in after visiting the nearby Benicia State Recreation Area or on your way back from a stroll through downtown, we're here to support your financial needs. At 1st Northern California, we prioritize convenience and accessibility for all our members. Our branch features ADA-compliant entrances and ample parking, ensuring that everyone can visit us with ease. Although we do not have a drive-thru service, we offer an ATM for quick cash withdrawals and balance checks right at our location. Our operating hours are designed to fit your busy schedule: we're open Monday through Wednesday from 9:00 AM to 4:00 PM, Thursday from 9:00 AM to 6:00 PM, and Friday from 9:00 AM to 5:00 PM. Feel free to stop by during these hours or give us a call at 925-228-7550 if you have any questions about our services or need assistance. While members can visit us at 560 1St St Ste B106, official correspondence should be sent to the same address as our mailing address is the same. We invite you to explore our wide range of offerings, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. We look forward to welcoming you into our branch soon! Come by and see how we can help you achieve your financial goals.

Member Eligibility

Joining the 1st Northern California community is a warm and welcoming experience, where you're not just another member but part of a supportive family. To become a member at our Benicia branch, located at 560 1St St Ste B106, Benicia, CA 94510, you'll find that eligibility is straightforward and inviting. We aim to serve individuals who live, work, or worship in the area, as well as their family members. This means if you're looking for a place that values personal relationships and offers tailored financial solutions, you've come to the right spot! The benefits of being a member go beyond just having access to fantastic financial products; you'll enjoy competitive rates on loans and savings accounts, personalized service from our dedicated staff, and a sense of belonging in your community. Opening an account is easy and can be done by visiting our website or giving us a call at 925-228-7550 for more details. For specific eligibility criteria, feel free to check out this resource: Membership Eligibility. We're excited to welcome you aboard!

Business Banking & Commercial Services

At 1st Northern California in Benicia, CA, we understand that running a business comes with unique challenges and opportunities. That's why we provide tailored business banking and commercial services to help you thrive. Imagine being able to secure the funding you need to expand your operations or invest in new equipment. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no commercial loans issued, we are eager to partner with local businesses when the time is right. In addition, our merchant services simplify payment processing, allowing you to focus on what you do best growing your business. With tools designed for efficiency and ease, you can accept payments from customers seamlessly, whether online or in-person. If you're looking for a partner that prioritizes your success, visit us at 560 1St St Ste B106 Benicia Ca 94510 or give us a call at (925) 228-7550. Let's explore how we can support your business goals together!

Comprehensive List Of Services

ATM Services at Your Fingertips

Need cash on the go? Our branch provides easy access through our ATM & Cash Withdrawal Services. You can perform basic transactions like withdrawals and balance checks quickly and securely. We invite you to visit us or give us a call at 925-228-7550 if you'd like more information about any of these services or need assistance with your financial journey. At 1st Northern California in Benicia, we're committed to helping you achieve your financial dreams!

Business Banking Support

If you're a business owner, we recognize how essential it is to have financial tools that help you succeed. Our Business Banking services include Merchant Services & Business Loans tailored for small businesses looking to grow and thrive in today's competitive market.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why at 1st Northern California, we offer robust Online & Mobile Banking features so you can manage your finances anywhere, anytime. Whether it's checking balances, transferring funds, or making payments, our digital banking tools are designed for ease of use and accessibility.

Home Financing Solutions

For those thinking about homeownership or refinancing their current mortgage, our dedicated team is here to guide you through the process. Our Mortgage Loans & Refinancing services are crafted to help make your transition as smooth as possible. We understand that buying a home is one of the most significant decisions you'll make, and we want to support you every step of the way.

Personal Banking Made Easy

Whether you're opening your first checking account or looking for a reliable savings option, our personal banking services have you covered. We offer flexible Checking & Savings Accounts designed to fit various lifestyles and financial plans. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and terms that can help you drive away in your dream car without breaking the bank.

Personal Loans for Every Need

Life can be unpredictable, and sometimes you need a little extra cash. Our Personal Loans & Debt Consolidation services are designed with your needs in mind. Whether it's unexpected expenses or consolidating existing debts into one manageable payment, we offer solutions that can bring peace of mind.

Rewarding Credit Options

We believe in rewarding our members for their loyalty. That's why we offer Credit Cards with Rewards, allowing you to earn points for purchases you already make. It's an easy way to benefit from everyday spending while enjoying the flexibility of credit.

Digital & Online Banking

Key Services

With our online banking platform, you can easily check your account balances, transfer funds, and pay bills without stepping foot in a branch. Want to send money to friends or family? Our person-to-person transfer feature makes it simple and quick. Plus, with mobile payments enabled, you can make secure transactions right from your smartphone. Staying organized is crucial when it comes to finances. That's why we offer electronic statements (Yes), allowing you to view your account activity anytime without the clutter of paper statements. And for those who prefer a touchless experience, our electronic signature authorization (Yes) makes signing documents easy and efficient.

Mobile Access

For even greater convenience, don't forget about our mobile application (Yes). This handy app puts all of our banking features at your fingertips. From checking balances to making deposits on the go, you'll have everything you need right in your pocket. Our commitment to security means you can bank confidently. With multiple layers of protection in place, your information is safe while you enjoy the ease of managing your finances online. In today's fast-paced world, having control over your financial life has never been more accessible. Join us at 1st Northern California and take advantage of these digital tools that empower you to manage your money effectively!

Financial Strength

At 1st Northern California, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation to support your needs. With a net worth of $89,703,902, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,089 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $81,969,334 in share certificates and $165,594,437 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. With $88,716,033 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 evident with $3,472 in used auto loans and $344,300,531 in total loans and leases, supporting our members' 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 also take pride in having 91 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With net shares available for lending and investments at $568,468, we have the capacity to meet your financial needs. The trust placed in us by our growing member base is evident with 60,407 total share accounts. This shows that more people are choosing 1st Northern California as their reliable partner for their banking needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Northern California is your trusted partner. Visit us at 560 1St St Ste B106 Benicia Ca 94510 or call (925) 228-7550 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $66,938,518 in used vehicle loans and $72,807,264 in new vehicle loans to help our members get on the road with confidence. Whether you're looking for financing on a new or used vehicle, we provide flexible terms that can fit your budget.

Credit Lines and Other Options

For those needing additional financing flexibility, we offer credit lines totaling $134,244,156. This can be an excellent option for managing unexpected expenses or funding short-term projects. If you're considering refinancing options or want to learn more about eligibility requirements for any of our loan products, don't hesitate to reach out! You can contact us at (925) 228-7550 for assistance. Our branch is located at 560 1St St Ste B106, Benicia, CA 94510. We invite you to visit us during our operating hours Monday through Wednesday from 9:00 AM to 4:00 PM and Thursday from 9:00 AM to 6:00 PM so we can help you find the best loan solution tailored just for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take that next step towards your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $7,456,414. These options are designed to help you secure the home you desire with manageable repayment plans.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,993,227 in loans helping members manage their finances effectively. These cards provide an excellent way to make purchases while keeping your cash flow steady.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing data from reliable institutions guarantees fair and transparent offers for all users.