1st Northern California Credit Union Richmond CA | Top Auto Loans & Business Banking

Introduction

Welcome to 1st Northern California in Richmond, where we believe that banking should be both personal and empowering. Since our establishment in 1949, we have been dedicated to serving our community with a focus on providing exceptional financial services tailored to meet your needs. Located at 2500 Nevin Ave, Richmond, CA 94804, our branch is more than just a place to manage your money; it's a hub for building relationships and fostering financial wellness. With a total membership of 32,319 and assets exceeding $823 million, we are proud to be a trusted partner in your financial journey. Our commitment to you is reflected in our robust offerings, which include everything from checking and savings accounts to auto loans, mortgages, personal loans, and business banking solutions. In fact, we currently manage $45,092,533 in deposits and have provided loans totaling 10,969, ensuring that we're here to support your aspirations. At the helm of our mission is CEO David Green, alongside Board President Stephen Ybarra. Together, they guide our team of 91 dedicated employees who strive every day to provide you with outstanding service. We understand that your time is valuable, which is why we offer convenient options such as online and mobile banking. While members can visit us at 2500 Nevin Ave, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to reach out at 925-228-7550 during our lobby 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. Join us at 1st Northern California where your financial goals are our priority! Visit us today or explore more about our services on our website at 1stnorcalcu.org. We look forward to helping you achieve financial success!

Branch History & Mission

Community Engagement

Our commitment goes beyond banking. We actively participate in community outreach programs that aim to educate and empower residents about financial literacy. Whether it's workshops on budgeting or partnerships with local schools for youth savings programs, we are dedicated to making a positive impact in Richmond. Additionally, we embrace technology with features like online banking and mobile payments designed for your convenience while ensuring ADA compliance so all members can access our services easily.

Join Us

We invite you to become part of the 1st Northern California family. Experience personalized service that puts you first and discover how we can help you reach your financial goals. Call us today at 925-228-7550 or visit our website at www.1stnorcalcu.org for more information about membership opportunities. Together, let's build a brighter future for ourselves and our community!

Our Journey

Founded in the post-war era, 1st Northern California was created with the vision of providing affordable financial services to local families and businesses. From our humble beginnings, we have evolved significantly, adapting to the changing needs of our community while remaining steadfast in our commitment to member service. Today, we proudly hold total assets of $823,837,786, reflecting our growth and stability. Over the years, we've celebrated numerous milestones. We've expanded our range of services from basic savings accounts to include auto loans, mortgages, personal loans, and even business banking solutions. Our goal has always been clear: to empower our members with the financial tools they need to achieve their dreams.

Our Mission

At 1st Northern California, our mission is simple yet profound: we strive to enhance the quality of life for our members by providing exceptional financial services and fostering community engagement. We believe that when one member thrives, we all thrive. This core belief drives us to support local initiatives and partner with organizations that uplift our neighborhood. While members can visit us at 2500 Nevin Ave, official correspondence should be sent to 2500 Nevin Ave, Richmond, CA 94804. Our doors are open during convenient 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 ensuring you have access to your financial needs when it matters most.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Our Richmond branch is close to local landmarks, ensuring you can pop in with ease while running errands or enjoying a day out. We pride ourselves on being accessible, with ADA-compliant features and ample parking available for our members. If you're looking for a place to send official correspondence, please note that while you can visit us at our branch address, any mail should be directed to the same location: 2500 Nevin Ave, Richmond, CA 94804.

Get in Touch!

We invite you to stop by or give us a call at 925-228-7550 if you have any questions or need assistance. Our dedicated staff is here to make your banking experience as smooth as possible. Come see how we can serve you better at 1st Northern California!

Operating Hours

We understand your time is valuable. That's why our lobby hours are designed to fit your busy schedule. You can visit us Monday through Wednesday from 9 AM to 4 PM, Thursday until 6 PM, and Friday until 5 PM. We're committed to providing quality service during these hours so you can get the assistance you need when it suits you best.

Services Tailored for You

At 1st Northern California, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. For those looking for business solutions, we also provide merchant services and business loans. Plus, enjoy the convenience of online and mobile banking that lets you manage your finances anytime! While we currently do not have ATM services or drive-thru banking available at this location, our team is ready to assist you inside the branch with all of your transactions.

Member Eligibility

Becoming a member of 1st Northern California is like joining a family that truly cares about your financial well-being. Located at 2500 Nevin Ave Richmond Ca 94804, we warmly welcome anyone who lives, works, or worships in our community. Whether you're looking for a friendly place to manage your savings, apply for loans, or simply want to be part of a supportive network, we are here for you. To find out more about the specific eligibility requirements, you can visit our detailed membership page at https://www.1stnorcalcu.org/membership/. Joining us is simple and inclusive! You'll gain access to a range of personalized services designed to help you reach your financial goals. Plus, being a member means you'll enjoy competitive rates and benefits tailored just for you. If you're ready to take the next step or have questions, don't hesitate to give us a call at (925) 228-7550. We can't wait to welcome you into our 1st Northern California family!

Business Banking & Commercial Services

Business Loans Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no member or non-member commercial loans funded yet, we're excited about the potential for future partnerships.

Merchant Services That Make Life Easier

In addition to loans, we offer merchant services that simplify your day-to-day operations. Picture this: you're at a busy market or trade show and need to process sales quickly. Our merchant solutions allow you to accept payments seamlessly, giving you more time to focus on growing your business. Located at 2500 Nevin Ave Richmond Ca 94804 in Richmond, CA, we're here to provide personalized assistance tailored to your business's needs. Reach out at (925) 228-7550 and let us help turn your business aspirations into reality!

Comprehensive List Of Services

Accessing Cash When You Need It

While we do not have ATM services at this location, our team is ready to assist you with any cash withdrawal needs during our lobby hours: Monday through Friday from 9:00 AM to 6:00 PM (and until 5:00 PM on Fridays). If you're ready to explore how 1st Northern California can help simplify your financial journey or if you have questions about any of our services, don't hesitate to reach out! Call us at (925) 228-7550 or visit us online at Richmond today! Your financial future starts here!

Business Banking Services

For local business owners, we provide comprehensive Business Banking solutions including Merchant Services & Business Loans. We know how crucial it is for businesses to thrive, so we aim to support you every step of the way from setting up payment solutions to securing funding for expansion.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking platforms allowing you to manage your accounts anytime, anywhere. With easy access to check balances, transfer funds, and pay bills from your phone or computer, banking has never been easier.

Financial Flexibility with Personal Loans

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. If you need cash for emergencies or want to consolidate debt into one manageable payment, we have options that prioritize your financial well-being.

Home Sweet Home Financing

Owning a home is a significant milestone, and our Mortgage Loans & Refinancing options can make it more attainable. We work closely with you to find the best mortgage solution that suits your lifestyle and financial goals. With expert guidance, you can feel confident in making one of life's biggest investments.

Personal Banking Solutions

For those looking to manage their finances efficiently, we offer various Personal Banking options including Checking & Savings Accounts. Imagine being able to track your spending effortlessly or saving towards your dream vacation with ease. Our accounts come with features designed to help you stay on top of your finances, making it simple and convenient.

Rewarding Credit Card Options

Looking for a credit card that gives back? Our Credit Cards with Rewards are designed to offer benefits tailored to your spending habits. Whether you're using them for everyday purchases or planning a special trip, you'll earn rewards while enjoying the convenience of cashless transactions.

Vehicle Financing Made Easy

If you're in the market for a new car, look no further than our Auto Loans & Vehicle Financing services. We understand that buying a vehicle can be overwhelming, so we provide competitive rates and flexible terms that fit your budget. Whether you're purchasing a new ride or refinancing an existing loan, we're here to help you navigate the process smoothly.

Digital & Online Banking

Enhanced Security and Accessibility

Your security is our top priority. Our online banking system employs advanced encryption technology to protect your personal information. You can feel confident knowing that your data is safe while you manage your accounts from the comfort of home or on the go. For added convenience, we enable person-to-person transfers so you can send money quickly to friends or family without any fuss. This feature eliminates the need for cash or checks and allows for real-time transactions. At 1st Northern California, we're committed to making banking easier and more accessible for all our members. Whether you're at home or out and about in Richmond, CA, our digital banking tools provide everything you need right at your fingertips. Explore these features today at https://www.1stnorcalcu.org/ and experience the ease of modern banking!

Key Services Offered

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. Plus, with our mobile application, managing your money is as simple as tapping your phone screen. We also offer mobile payments, so you can make purchases directly from your device without the hassle of carrying cash or cards. If you're looking for a more paperless experience, you'll appreciate our e-statements feature. These statements are not only environmentally friendly but also provide a secure way to access your financial information without waiting for mail delivery. And if you ever need to sign documents, our electronic signature authorization makes it quick and easy.

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 proud to showcase our robust financial health, which is designed to reassure you that your money is in safe hands. 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. 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. Additionally, our lending capacity supports members' financial goals across various sectors with $34,430,0531 in total loans and leases and 3,472 used auto loans available. Although our current net income is $0, this reflects our commitment to investing back into the community and providing value to our members rather than prioritizing profits alone. We also take pride in having 91 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable team. 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 2500 Nevin Ave Richmond Ca 94804 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, 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, our flexible terms can fit your budget.

Business Loans

For business owners looking for growth opportunities, we have outstanding commercial loans available. While currently there are no outstanding commercial loans reported at our branch, we are always ready to assist you in exploring options that can support your business expansion needs.

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 build your credit while enjoying rewards and benefits tailored for your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $7,456,414, making buying or refinancing simple. We understand that purchasing a home is one of the most significant financial decisions you will make. Our mortgage specialists are here to guide you through every step of the process.

Refinancing and Eligibility Options

If you're considering refinancing any existing loans or need guidance on eligibility for our loan products, our team is available to discuss your options. We aim to make the borrowing process straightforward and beneficial for all our members. To learn more about our loan offerings or if you have any questions about which product might be right for you, feel free to reach out at (925) 228-7550. You can also visit us at 2500 Nevin Ave Richmond CA 94804 or check out our website here. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At 1st Northern California, we're dedicated to providing you with the tools and support necessary for achieving your financial aspirations.

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1ST NORTHERN CALIFORNIA CREDIT UNION - Richmond, CA

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