America First San Bernardino CA Credit Union: Low Mortgage Rates & Auto Loans

Introduction

Welcome to America First, your trusted financial partner located at 401 W 2Nd St, San Bernardino, CA 92401. Since our establishment in 1939, we've been dedicated to serving our community and fostering financial well-being for over 1.4 million members. With total assets of an impressive $21,352,783,826 and total deposits reaching $2,179,824,396, we are committed to providing secure and reliable banking solutions tailored to your needs. At America First, we understand the importance of personal connections in banking. Our team is here to guide you through a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and even business banking options. With a solid net worth of $2,277,865,463, you can trust that your finances are in good hands. Led by our CEO Thayne Shaffer and Board President Linda Carver, our dedicated staff of 3,368 employees is passionate about making a positive impact in the San Bernardino community. We offer a range of convenient services such as online and mobile banking to ensure that your banking experience is seamless and accessible. While members can visit us at our branch location for personalized assistance during lobby hours from 9 AM to 5 PM (Monday to Friday), official correspondence should be sent to the same address: 401 W 2nd St, San Bernardino, CA 92401. Join us today and discover why so many individuals and families choose America First as their go-to credit union. Call us at 909-889-0838 or visit our website at www.americafirst.com for more information on how we can help you achieve your financial goals!

Branch History & Mission

Welcome to America First, located at 401 W 2Nd St, San Bernardino, CA 92401. Since our doors opened in 1939, we have proudly served our community by providing accessible financial services tailored to meet the needs of our members. Over the years, we have grown from a small credit union into a robust institution with over 1.4 million members and total assets exceeding $21 billion. Our commitment to fostering a sense of belonging and financial well-being has remained steadfast throughout our journey. At America First, our mission is simple yet profound: we strive to empower our members with the tools and resources they need to achieve their financial goals. Whether it's helping someone purchase their first home, secure an auto loan, or manage their day-to-day banking needs, we are dedicated to supporting every step of their financial journey. We believe that when our members thrive, so does the entire community. In addition to traditional banking services like checking and savings accounts, personal loans, and credit cards with rewards, we also offer business banking solutions and online/mobile banking for convenience. While we currently do not provide ATM services or drive-thru banking at this location, our friendly staff is always ready to assist you during lobby hours from Monday to Friday from 9 AM to 5 PM. Our commitment extends beyond just financial transactions; we actively engage in partnerships and community outreach efforts that strengthen the fabric of San Bernardino. By investing in local initiatives and supporting various charities, we aim to make a lasting impact where it matters most. While members can visit us at 401 W 2Nd St San Bernardino Ca 92401, official correspondence should be sent to 401 W 2nd St, San Bernardino, CA 92401. We invite you to join America First and experience firsthand the benefits of being part of a credit union that truly cares about its members. Call us at (909) 889-0838 today or visit our website at America First to learn more about becoming a member!

Branch Location & Accessibility

Convenient Access and Amenities

At America First, we strive to ensure that our members can visit us comfortably. Our location features accessible parking spaces and is fully compliant with ADA standards, so everyone can easily access our services. Whether you're stopping by for personal banking or exploring options for auto loans and mortgages, we want you to feel right at home. You can reach us during our lobby hours from Monday to Friday, 9 AM to 5 PM. If you need assistance outside these hours or have questions about our services, don't hesitate to call us at 909-889-0838.

Services Tailored for You

While visiting our branch, you'll find a range of financial solutions designed just for you. From checking and savings accounts to auto loans and personal loans, America First is committed to helping you achieve your financial goals. We also provide online and mobile banking options, allowing you to manage your finances from anywhere! Although we currently do not have ATM facilities or drive-thru service available at this location, our dedicated team is ready to assist you in person with any inquiries or transactions.

We're Here for You!

We understand that choosing a credit union is an important decision. At America First, we prioritize making banking accessible and enjoyable for all our members. If you're in the area, we invite you to drop by and experience the difference firsthand. For official correspondence, please send it to the same address: 401 W 2nd St, San Bernardino, CA 92401. Come see us today we're excited to help you with your financial journey!

Member Eligibility

Becoming a member of America First is like joining a family that cares about your financial well-being. If you're looking to open an account and enjoy the benefits of our supportive community, you might be wondering if you qualify. Generally, membership is open to anyone who lives, works, or worships in the area we serve. We believe that everyone deserves access to quality financial services, so whether you're a first-time account holder or someone looking for better options, we welcome you with open arms. Getting started is simple! You can find detailed eligibility criteria at . If you're ready to take the next step, just give us a call at (909) 889-0838, and our friendly staff will guide you through the account opening process. We're located at 401 W 2Nd St San Bernardino Ca 92401, and our doors are open Monday through Friday from 9 AM to 5 PM. Join us at America First and discover how we can help you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Empower

Imagine a local café that wants to streamline its payment processes. With our merchant services, they can easily accept payments through various methods, enhancing customer satisfaction and improving cash flow. From point-of-sale systems to mobile payment options, we provide tools that make running a business smoother. If you're located in or around San Bernardino, CA, drop by our branch at 401 W 2Nd St San Bernardino Ca 92401 or call us at (909) 889-0838. Let us help turn your business goals into reality!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,503 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $11 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,389,809,869, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For business owners, we understand that managing finances can be complex. That's why we offer dedicated business banking services, including merchant services and business loans. This means you can focus on growing your business while we take care of the banking details.

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we've integrated advanced features into our banking services such as ATM & cash withdrawal services, allowing easy access to your funds whenever you need them. We're here for you Monday through Friday from 9 AM to 5 PM at America First in San Bernardino. If you have questions or want to learn more about how we can assist with your financial needs, don't hesitate to reach out at (909) 889-0838. Visit us today and discover how San Bernardino can support your financial goals!

Financing Your Dreams

If you're planning to buy a car, our auto loans and vehicle financing services can help make that dream a reality. With flexible terms and competitive rates, we ensure that financing is straightforward and manageable for every member. Need a home? Our mortgage loans and refinancing options provide the support you need whether you're purchasing your first home or looking to refinance an existing mortgage. For those unexpected expenses or big projects, consider our personal loans and debt consolidation services. We aim to simplify your financial journey by offering solutions that fit your lifestyle.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking options are tailored for you. Imagine having the ability to manage your finances effortlessly through our online and mobile banking platforms. You can check your balance, transfer funds, and pay bills from anywhere saving you time and hassle. Plus, we offer competitive interest rates on savings accounts, helping your money grow while you focus on what really matters.

Rewarding Credit Options

Our credit cards with rewards not only give you the purchasing power you need but also let you earn points towards travel, merchandise, or cash back. It's just one more way we show appreciation for our members.

Digital & Online Banking

At America First, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a robust suite of digital and online banking services designed to make managing your finances easier than ever. With our 24/7 online banking access, you can check your balances, transfer funds, and pay bills anytime, anywhere. Explore our online banking services at http://www.americafirst.com and discover how simple it is to stay on top of your financial goals. Need to send money to a friend? Our person-to-person transfer feature allows you to quickly and securely send money without the hassle of cash or checks. Plus, with mobile payments available, making purchases has never been more convenient just tap and go! Security is a top priority for us. That's why we provide electronic signature authorization for certain transactions, giving you peace of mind while you bank online. You can also choose to receive e-statements, reducing paper clutter while ensuring your information is safe and accessible. For those who prefer banking on the go, our mobile application makes it easy to manage your account from the palm of your hand. Whether you're checking your balance or making a payment, our app is user-friendly and designed with your needs in mind. Join us at America First for digital banking solutions that fit your lifestyle. Enjoy real-time account management and take advantage of all the features we offer to make banking easier for you!

Financial Strength

Dedicated Team

We also take pride in having 3,164 full-time employees and 204 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our staff is here to assist you every step of the way.

Focused on Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $15,786,109, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. This approach helps us create an environment where your financial goals come first.

Growing Together

Total Share and Deposit Accounts: 3,097,747, showing a strong and growing member base that trusts us with their finances. Your confidence inspires us to keep improving our services for everyone involved. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, America First is your trusted partner. Visit us at 401 W 2Nd St San Bernardino Ca 92401 or call (909) 889-0838 to learn more about how we can help you achieve your financial goals.

Lending Support

Our lending capacity supports members' financial goals across various sectors with $316,583 in used auto loans and $15,267,227,347 in total loans and leases. We're here to help you secure the financing you need for your next vehicle or project.

Operational Efficiency

Our $167,577,866 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We believe that efficient management translates directly into better services for you.

Reinvesting in Our Future

With $111,310 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This strategy supports our mission to provide exceptional service tailored to your needs.

Secure Savings Options

Members' savings are secured through $6,025,606,919 in share certificates and $5,923,664,297 in money market shares, offering stable and rewarding financial growth opportunities. We understand how important it is for you to grow your savings safely.

Solid Financial Health

With a net worth of $2,277,865,463, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,113 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Our Loan Products

With over 917592 loans issued, we've helped thousands of members achieve their financial goals. Our comprehensive loan offerings include: - Auto Loans: Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,709,426,997 in used vehicle loans and $1,416,032,601 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've got options that fit your budget. - Mortgage Loans: Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,565,575,445, make buying or refinancing simple. We offer competitive rates and flexible terms to help you secure your dream home without the stress. - Unsecured Credit Card Loans: We also offer flexible terms on unsecured credit card loans, with a total of $932,190,935 in loans helping members manage their finances effectively. These cards come with various rewards and benefits designed to make everyday spending more manageable. - Credit Lines: With a total of $8,183,573,305 available in credit lines loans, our options can provide you with the flexibility needed for unexpected expenses or planned purchases. For business owners seeking growth opportunities, our outstanding commercial loans totaling $1,389,809,869 provide the capital needed to expand your operations and invest in your future.

Refinancing and Eligibility

If you're considering refinancing existing loans or exploring eligibility options for any of our products, our friendly team is here to assist you every step of the way. We want to ensure you find the best loan solution tailored to your unique situation. Our branch is conveniently located at 401 W 2Nd St San Bernardino Ca 92401, and you can reach us at 909-889-0838 during our operating hours from Monday to Friday between 9 am and 5 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. At America First Credit Union, we're committed to supporting our members' financial journeys with solid products designed for success. Let's work together toward achieving your financial dreams!

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AMERICA FIRST FEDERAL CREDIT UNION - San Bernardino, CA