1st Northern California Credit Union Pittsburg CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to 1st Northern California, your trusted credit union located at 4261 Century Blvd, Pittsburg, CA 94565. Since our establishment in 1949, we have proudly served our community with a commitment to providing excellent financial services tailored to meet the unique needs of our members. With over 32,319 members and a robust total asset base of $823,837,786, we understand the importance of building strong financial futures together. At 1st Northern California, we strive to create a welcoming environment where you can confidently manage your finances. Our offerings include personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, and more. We're also dedicated to supporting local businesses with specialized services designed for growth and success. As a community-focused credit union, we emphasize transparency and trustworthiness in all our interactions. Our leadership team, guided by CEO David Green and Board President Stephen Ybarra, ensures that every decision is made with your best interests in mind. While members can visit us at our branch location, official correspondence should be sent to 4261 Century Blvd, Pittsburg, CA 94565-7113. Whether you're looking for advice on loans or simply want to explore your options for savings, we're here to help! Feel free to reach out at (925) 228-7550 or visit our website at 1stnorcalcu.org for more information. Join us on this journey toward financial empowerment your future starts here!

Branch History & Mission

Welcome to 1st Northern California, where we proudly serve the vibrant community of Pittsburg, CA. Established in 1949, our branch has a rich history rooted in commitment and growth. Over the years, we have evolved from a small credit union into a trusted financial partner for over 32,319 members, helping them achieve their financial dreams. Located at 4261 Century Blvd, Pittsburg, CA 94565, our branch is easily accessible for all members. We're just a short drive from local landmarks such as the historic downtown area and the scenic waterfront parks. While members can visit us at this address for all their banking needs, official correspondence should be sent to 4261 Century Blvd, Pittsburg, CA 94565-7113 if different. At 1st Northern California, our mission is simple yet powerful: to provide personalized financial services while supporting our community's well-being. We believe that everyone deserves access to quality financial products that help them thrive. Our services include personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. We strive to ensure that every member feels valued and supported on their financial journey. Our commitment extends beyond banking; we actively engage in community outreach initiatives that foster growth and development in Pittsburg and surrounding areas. We understand that strong communities create strong members, which is why we partner with local organizations to support various causes. In today's fast-paced world, we are dedicated to keeping up with advancements that enhance your banking experience. From online and mobile banking to electronic signatures and e-statements, we prioritize convenience while ensuring our services remain ADA compliant for all our members. As we look back on our journey since 1949, we recognize how far we've come thanks to your trust and loyalty. With total assets of over $823 million, we are well-equipped to continue serving your financial needs today and into the future. We invite you to join the 1st Northern California family! Experience firsthand the benefits of membership by visiting us or calling us at 925-228-7550 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. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At 1st Northern California, we prioritize accessibility for all members. Our branch complies with ADA standards and features ramps and other accommodations to ensure everyone can visit us comfortably.

Conveniently Located

You can find us near popular local spots, making it easy to fit banking into your day. While you're in the area, take a moment to explore the vibrant community that surrounds our branch. We've made sure our location is friendly and welcoming, with ample parking available right outside.

Operating Hours

We understand that life can get busy! That's why our lobby hours are designed to be flexible for you: 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. Whether you prefer mornings or afternoons, we're here when you need us.

Services Offered

Our branch offers a variety of services tailored for personal banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we have solutions that fit your lifestyle. Plus, with an ATM on-site for cash withdrawals and balance checks, managing your finances has never been easier. While official correspondence should be sent to our mailing address at 4261 Century Blvd, Pittsburg, CA 94565-7113, feel free to reach out directly at (925) 228-7550 if you have any questions or need assistance.

Visit Us Today!

We invite you to stop by our Pittsburg branch soon! Our friendly team is eager to assist you with all your banking needs. Come experience the community-focused service that sets us apart at the 1st Northern California branch!

Member Eligibility

At 1st Northern California, we believe that everyone deserves a chance to be part of a welcoming financial community. If you're looking to join us, you'll be pleased to know that eligibility is designed to be straightforward and inclusive. Generally, anyone who lives, works, or attends school in the local area around 4261 Century Blvd Pittsburg Ca 94565 can become a member. This means that whether you're a long-time resident or new to the community, there's a place for you here. Becoming a member comes with fantastic benefits such as competitive rates on loans, personalized service, and access to a variety of banking products tailored to meet your needs. To learn more about specific eligibility requirements or to get started on your membership journey, feel free to check out our detailed resource at https://www.1stnorcalcu.org/membership/. If you have any questions or need assistance, don't hesitate to reach out at (925) 228-7550. We're excited to help you take this important step toward better financial health!

Business Banking & Commercial Services

At 1st Northern California, we understand that running a business comes with unique challenges and opportunities. That's why we are dedicated to offering tailored banking solutions that help your enterprise thrive. Imagine having access to flexible financing that fuels your growth, whether you're looking to expand your operations or invest in new technology. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we offer merchant services designed to simplify transactions and enhance customer experiences. From payment processing solutions to cash management tools, our services are crafted to meet the everyday needs of your business. When you choose 1st Northern California, you're not just getting a bank; you're gaining a partner invested in your success. Visit us at 4261 Century Blvd Pittsburg Ca 94565 in Pittsburg, CA, or call us at (925) 228-7550 to learn more about how we can help your business flourish.

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans designed to support your entrepreneurial journey. Whether you're starting out or expanding, we're here to help you thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why 1st Northern California offers robust online and mobile banking options. Access your accounts, pay bills, and transfer money easily through our secure platforms. Plus, our ATM services ensure that cash withdrawals are just a few taps away.

Final Thoughts

At 1st Northern California, we're more than just a credit union; we're your partner in achieving financial success. With a commitment to excellent service and a variety of tailored offerings such as those mentioned above from personal banking to business solutions we're here to meet all your financial needs. Ready to take the next step? Give us a call at (925) 228-7550 or visit us at 4261 Century Blvd Pittsburg Ca 94565 in Pittsburg, CA. Let's work together towards securing your financial future!

Loans and Financing

Need a new vehicle? Our auto loans and vehicle financing options can help you hit the road without breaking the bank. With competitive rates and flexible terms, getting behind the wheel has never been easier. If you're looking to purchase a home or refinance an existing mortgage, our mortgage loans come with expert advice and support throughout the process. For those times when life throws unexpected expenses your way, our personal loans and debt consolidation options can provide relief and simplify your finances. We also offer credit cards with rewards, allowing you to earn points on everyday purchases while enjoying benefits like cash back or travel rewards.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that cater to various lifestyles. Imagine having easy access to your funds while earning interest on your savings that's the kind of financial peace we aim to provide. Our accounts come with user-friendly features, including online banking and mobile payments, so you can manage your finances from anywhere, anytime.

Digital & Online Banking

At 1st Northern California, we understand that managing your finances should be easy and secure, no matter where you are. That's why we offer a range of digital and online banking services designed to give you the freedom to bank on your terms. With our user-friendly platform, you can access your accounts anytime, anywhere. One of the highlights of our services is the ability to manage everything online at https://www.1stnorcalcu.org/. From checking your balance to transferring funds, everything is just a click away. Our 24/7 online banking ensures you have access to your financial information whenever you need it. Plus, with electronic signature authorization available, signing documents is quick and simple no need for paper or trips to the branch. We also offer e-statements, allowing you to view your account statements digitally. This not only helps the environment but also makes it easy to keep track of your transactions without clutter. If you're always on the go, our mobile application brings all these features right into your pocket. You can make payments, check balances, and even set up alerts all from your smartphone. For those times when you want to split a bill or send money to friends or family, our person-to-person transfer service makes it effortless. Just a few taps on your device, and you're done! And if you're looking for convenience at checkout, our mobile payments feature allows you to make purchases quickly and securely. Banking should fit into your lifestyle seamlessly. With all these tools at your disposal, managing your money has never been easier or more secure at 1st Northern California. Join us today and experience banking designed for your needs!

Financial Strength

Growing Member Base

We currently have a strong member base with a total of 60,407 share accounts, showcasing the trust our community has placed in us to manage their finances effectively. Additionally, with net shares amounting to $568,468, we have ample funds available for lending and investments. 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 4261 Century Blvd Pittsburg Ca 94565 or call (925) 228-7550 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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. We prioritize our members above all else. With non-member deposits at $0, we ensure that our resources remain focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to maintain competitive loan rates and solid financial products for our members. We also take pride in having 91 full-time employees ready to assist you with knowledge and dedication.

Reinvesting for Your Benefit

With $88,716,033 in undivided earnings, we are committed to reinvesting in innovative banking tools and stronger lending options to serve you better. Our lending capacity is substantial, supporting your financial goals across various sectors with $3,472 in used auto loans and a total of $344,300,531 in loans and leases.

Strong Financial Health

With a net worth of $89,703,902, we demonstrate our robust financial position. This strong net worth allows us to offer better rates, lower fees, and enhanced services tailored to your needs. Our net worth ratio of $1,089 illustrates our solid capital foundation, ensuring that we can continue providing loans and competitive savings rates, even in uncertain economic times.

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 financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Credit Lines and Other Options

If you need additional financial flexibility, our total credit lines amount to $134,244,156, allowing you access to funds when you need them most. This is particularly useful for managing unexpected expenses or larger purchases without the burden of traditional loans. We are committed to making borrowing straightforward and accessible. If you're considering refinancing or want to explore eligibility options for any of our loan products, don't hesitate to reach out. For more information or personalized assistance regarding our loan offerings, please visit us at our branch located at 4261 Century Blvd, Pittsburg, CA 94565, or give us a call at 925-228-7550 during our operating hours: - Monday - Wednesday: 9:00 am - 4:00 pm - Thursday: 9:00 am - 6:00 pm - Friday: 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. Let us help you find the right loan product tailored just for you!

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 provide competitive rates and flexible terms to help you navigate the path to owning your own home.

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. Our credit cards come with rewards and benefits that can enhance your purchasing power while maintaining control over your spending.

Loan Aggregator

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Ensuring Accurate Comparisons

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