1st Northern California Credit Union Martinez CA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to 1st Northern California, your trusted financial partner located at 1111 Pine St, Martinez, CA 94553. Established in 1949, we have proudly served our community for over seven decades, growing alongside our members and adapting to their evolving financial needs. With a total membership of 32,319 and assets exceeding $823 million, we are committed to providing personalized banking solutions that empower our members to achieve their financial goals. At 1st Northern California, we understand that every member's journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. As of now, our total loans stand at 10,969, while deposits amount to an impressive $45,092,533. We take pride in maintaining a net worth of $89,703,902 and having over $3 million in cash on hand to support our lending activities. While members can visit us at our branch location in Martinez for all their banking needs, official correspondence should be sent to our mailing address: PO Box 509, Martinez, CA 94553. Our dedicated team of 91 employees, led by CEO David Green and Board President Stephen Ybarra, is here to assist you with friendly service and expert advice. We invite you to explore the many ways we can support your financial journey. Whether you're looking for a new vehicle loan or want to open a savings account online through our user-friendly website at 1st Northern California, we're here for you every step of the way. Feel free to call us at 925-228-7550 during our lobby hours from Monday to Friday. Join us today and experience the difference a member-focused credit union can make!

Branch History & Mission

Welcome to 1st Northern California, a credit union deeply rooted in the heart of Martinez, CA. Established in 1949, our branch has grown alongside the community, evolving from humble beginnings into a trusted financial partner for over 32,319 members. Our journey began with a simple mission: to provide accessible financial services that empower our members and uplift our local community. Located at 1111 Pine St, Martinez, CA 94553, we invite you to visit us in person and experience the welcoming atmosphere that defines our branch. Just a stone's throw away from local landmarks and nestled within Contra Costa County, we are proud to be part of the fabric of this vibrant city. For official correspondence, please send mail to PO Box 509, Martinez, CA 94553. Over the years, 1st Northern California has achieved remarkable milestones. With total assets reaching an impressive $823,837,786, we have continuously expanded our offerings to meet the diverse needs of our members. Our services include personal banking solutions like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. We are dedicated to making banking convenient through modern digital advancements such as online and mobile banking platforms. Our mission goes beyond just financial services; it is about making a meaningful impact in the lives of our members. We strive to provide support that helps families achieve their dreams whether it's buying a new car or saving for a child's education. Our commitment to community outreach has led us to form valuable partnerships that enhance our service capabilities and foster growth within Martinez. While we don't currently offer ATM or drive-thru services at this location, we make it easy for our members to manage their finances digitally through features like electronic signatures and mobile payments. Our lobby hours are convenient too: Monday through Friday from 9:00 AM to 6:00 PM (5:00 PM on Fridays), ensuring you can find time to meet your banking needs. Join us at 1st Northern California and become part of a community-focused credit union that prioritizes your financial well-being. Experience the benefits of membership today by visiting us or exploring more on our website at 1stnorcalcu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with accessibility in mind. We comply with ADA standards, ensuring that everyone can enjoy our services comfortably. There's ample parking available right outside the branch, so you won't have to worry about finding a spot when you arrive.

Contact Us

If you have any questions or need assistance before your visit, feel free to give us a call at 925-228-7550. While members can visit us at 1111 Pine St for all their banking needs, please send official correspondence to our mailing address at PO Box 509, Martinez, CA 94553. We look forward to welcoming you soon at the 1st Northern California branch! Come see how we can help you achieve your financial goals today!

Operating Hours and Services

We know your time is valuable, which is why we offer flexible operating hours for your convenience. You can visit us 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. During these hours, our friendly staff is ready to assist you with personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and even credit cards with rewards! While we don't currently offer ATM services or drive-thru banking at this location, our team is dedicated to providing excellent service inside the branch. For those who prefer online options, we also provide robust online and mobile banking services.

Member Eligibility

At 1st Northern California, becoming a member means joining a warm and welcoming community that truly cares about your financial well-being. If you're looking to take advantage of our tailored services, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in our local area. It's as simple as that! For more specific eligibility details, feel free to check out our website at https://www.1stnorcalcu.org/membership/. Once you meet the criteria, opening an account is a breeze and sets you on the path to enjoying all the benefits we have to offer. From personal banking options like checking and savings accounts to loans and credit cards with rewards, we've got something for everyone. If you have any questions or need assistance, don't hesitate to give us a call at (925) 228-7550. Join us today at 1111 Pine St Martinez Ca 94553, and let's start this journey together!

Business Banking & Commercial Services

Real-World Merchant Services

In addition to loans, our merchant services make everyday transactions easier. Imagine being able to accept payments seamlessly, whether through credit cards or mobile payments. This allows you to focus on what really matters growing your business without worrying about payment hassles. Whether you're a new startup or an established company looking to expand, 1st Northern California at 1111 Pine St Martinez Ca 94553, Martinez, CA is here for you. Let's partner together to turn your vision into reality! For more information, call us at (925) 228-7550 or visit us online at https://www.1stnorcalcu.org/.

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we are eager to work with you to provide flexible financing solutions that can help you expand and succeed.

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options so you can manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, keeping track of your money has never been easier. Plus, our electronic statements ensure you always have access to important information without the clutter of paper.

Business Banking Solutions

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are structured to help your business thrive. We aim to support local entrepreneurs by offering tailored solutions that meet your unique needs.

Connect With Us

If you have any questions or want more information about how we can assist you, don't hesitate to reach out! Call us at (925) 228-7550 or visit us during our operating hours: Monday through Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 6 PM, and Friday from 9 AM to 5 PM. At 1st Northern California, we're here for all your financial needs. Join us today and discover how easy banking can be! Visit our website at Martinez for more details or explore membership eligibility here.

Personal Banking Made Easy

When it comes to personal banking, we offer more than just standard accounts. Our checking and savings accounts help you manage your money efficiently, ensuring you have the funds available for everyday expenses or saving for future plans. We understand that purchasing a vehicle is a significant step, which is why our auto loans and vehicle financing options are designed with competitive rates and flexible terms to fit your lifestyle. Homeownership dreams can become a reality with our mortgage loans and refinancing services. Whether you're buying your first home or looking to lower your current mortgage payments, our friendly team is here to guide you through the process. For those unexpected expenses or projects, our personal loans and debt consolidation options can provide the financial relief you need.

Rewards That Matter

We know that every little bit helps, which is why our credit cards come with rewards that give back to you. Use them wisely for daily purchases and watch as points accumulate towards exciting rewards.

Digital & Online Banking

Enhanced Features

You can also enjoy features like electronic signature authorization, which streamlines the process for signing documents securely from home. Plus, with e-statements available, you can keep track of your transactions without the clutter of paper statements. Need to send money to friends or family? Our person-to-person transfer service makes it a breeze. And if you're looking to make purchases without the hassle of cash or cards, our mobile payments feature allows for quick and secure transactions right from your smartphone.

Key Services

Our online banking is available 24/7, allowing you to access your accounts whenever it suits you. Whether you want to check your balance, transfer funds, or pay bills, it's all just a click away. For those who prefer using their mobile devices, our mobile application is ready for download, making banking on-the-go easy and efficient.

Security and Support

Your security is our top priority. We use advanced technology to keep your personal information safe while providing you with user-friendly features that enhance your banking experience. If you ever have questions or need assistance, our friendly team is just a phone call away at (925) 228-7550. With all these features at your fingertips, 1st Northern California makes digital banking not only accessible but enjoyable. Experience the ease of managing your finances today!

Financial Strength

Commitment to Growth and Innovation

With $88,716,033 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust; we currently hold $34,430,0531 in total loans and leases, including $34,720 in used auto loans that support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team Ready to Serve You

We take pride in having 91 full-time employees ready to assist you at every step of your banking journey. Our knowledgeable team is committed to delivering exceptional service tailored to your needs.

Member-Centric Savings

Your savings are secure with us. We have $81,969,334 in share certificates and $165,594,437 in money market shares, providing 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.

Solid Financial Foundation

With a net worth of $89,703,902, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.89% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Transparency

Total Share Accounts stand at 60,407, showcasing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments amounting to $568,468, we're prepared to meet the diverse needs of our community. 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 1111 Pine St Martinez Ca 94553 or call 925-228-7550 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $66,938,518 in used vehicle loans and $72,807,264 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used car, we provide flexible financing options that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,456,414, make buying or refinancing simple. We offer competitive rates and terms designed to help you find the right solution for your housing needs.

Other Loan Products

In addition to these core offerings, we also provide various credit lines totaling $134,244,156 for those looking for additional flexibility in managing their finances. No matter what your financial situation looks like, our team is ready to discuss refinancing options and eligibility criteria that could work for you. For more information about our loan offerings or to explore how we can assist you further, don't hesitate to reach out! You can contact us at (925) 228-7550 during our operating hours: Monday-Wednesday from 9:00 AM - 4:00 PM; Thursday from 9:00 AM - 6:00 PM; and Friday from 9:00 AM - 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey toward financial stability starts here at 1st Northern California!

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our flexible terms on unsecured credit card loans. We currently have $4,993,227 in unsecured credit card loans helping members manage their finances effectively. This option provides a convenient way to make purchases while keeping track of your spending.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan 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 ensures that users receive fair and transparent offers. The integrity of the data is a top priority, as it allows consumers to make informed choices without the risk of misleading information.