American First Orange CA Credit Union | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to American First, your trusted partner in financial well-being since 1989. Located at 247 E Katella Ave, Orange, CA 92867, we are proud to serve our community with a commitment to exceptional member service and support. With a strong membership base of over 43,410 members, we focus on providing tailored solutions that meet your unique financial needs. At American First, we understand that managing your finances can be challenging. That's why we offer a variety of services ranging from personal banking such as checking and savings accounts to auto loans, mortgage loans, and credit cards with rewards. Our total assets stand impressively at $995,095,763, ensuring that we have the resources to support you through every stage of life. Whether you're looking to take out one of our 11,680 loans or want to deposit funds into your account (with total deposits reaching $36,800,797), we are here for you every step of the way. Under the leadership of our CEO, Jon Shigematsu, and Board President, Tom Cook, our dedicated team of 123 employees is ready to assist you. While members can visit us at our physical branch in Orange, official correspondence should be sent to our mailing address: 6 Pointe Dr Ste 400, Brea, CA 92821-6322. You can also reach us anytime at 800-290-1112 during our operating hours from 9 AM - 5 PM M-TH and 9 AM - 6 PM F. Join us today and experience the difference a member-focused credit union can make! For more information about how we can help you achieve your financial goals, visit us online at American First. We look forward to serving you!

Branch History & Mission

Welcome to American First, located in the heart of Orange, CA. Since opening our doors in 1989, we have proudly served our members and community, growing from a small credit union into a trusted financial partner with over 43,000 members. Our journey has been marked by a commitment to providing exceptional financial services and fostering strong community ties. At our branch located at 247 E Katella Ave, Orange, CA 92867, we strive to create a welcoming atmosphere where everyone feels like family. Our team is dedicated to helping you navigate your financial needs, whether it's through personal banking, auto loans, or business services. We understand the importance of accessibility; that's why we offer ATM availability for your convenience and shared service center access for our members. Our mission at American First is simple yet powerful: to empower our members to achieve their financial goals while supporting our local community. We are not just about transactions; we're about building relationships. This mission drives us every day and inspires our involvement in various community outreach programs designed to uplift and support those around us. While you can visit us at our main branch address, please note that official correspondence should be sent to 6 Pointe Dr Ste 400, Brea, CA 92821-6322. As we continue to grow and adapt to meet the needs of our members, we are committed to embracing digital advancements while ensuring compliance with ADA standards. We are proud of our achievements total assets reaching nearly $1 billion and the trust placed in us by our diverse membership base. Our focus on customer service ensures that you will always receive personalized attention and expert guidance tailored to your unique situation. Join us as we continue this exciting journey. Experience the benefits of being part of American First today! Whether you're looking for reliable banking solutions or want to get involved in community initiatives, we invite you to connect with us. Visit our website or call us at 800-290-1112 for more information on how you can become a member and take advantage of all we have to offer. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the American First branch located at 247 E Katella Ave, Orange, CA 92867! Our branch is ideally situated in the heart of Orange County, making it a convenient stop for all your banking needs. Whether you're visiting the nearby Orange Plaza or catching a game at Angel Stadium, you can easily swing by to take care of your finances. At American First, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can visit us with ease. Plus, there's ample parking available right outside, so you won't have to worry about finding a spot when you arrive. We understand that your time is valuable. That's why our lobby hours are designed to accommodate your busy schedule: we're open from 9 AM to 5 PM Monday through Thursday and until 6 PM on Fridays. If you have any questions or need assistance, feel free to call us at 800-290-1112 our friendly team is always ready to help! For added convenience, we also offer ATM services for quick cash withdrawals and balance checks. While we don't have drive-thru banking at this location, our shared service center allows members from partner credit unions to perform basic transactions like deposits and withdrawals. If you need to send official correspondence, please note that our mailing address is different: 6 Pointe Dr Ste 400, Brea, CA 92821-6322. We invite you to stop by American First today! Discover how we can support your financial journey with personalized services tailored just for you.

Member Eligibility

Welcome to the vibrant community at American First! Becoming a member is a simple and rewarding process. If you live, work, or worship in certain areas, or if you're a family member of an existing member, you're likely eligible to join us. We believe that everyone deserves access to quality financial services, which is why we strive to make membership as inclusive as possible. By joining American First, you'll gain access to a range of benefits including competitive rates on loans and savings accounts, personalized service, and a host of financial tools designed just for you. To find out more about eligibility details and see if you qualify, check out our website at https://www.amerfirst.org/bank-with-us/get-started/membership-perks . If you're ready to take the next step towards membership, opening an account is quick and easy! Just visit https://www.amerfirst.org/bank-with-us/get-started/love-my-credit-union or give us a call at (800) 290-1112. We're excited to welcome you into our family at American First, located at 247 E Katella Ave Orange Ca 92867!

Business Banking & Commercial Services

Merchant Services That Make Sense

But we don't stop at loans. Our merchant services provide practical tools to streamline your daily transactions. Whether it's accepting payments through mobile devices or managing payroll efficiently, we offer solutions that fit seamlessly into your business operations. With an outstanding commercial loan portfolio of $434,850,269, we continue to drive economic growth by financing new and expanding businesses. Join us at American First and let's work together to turn your vision 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 $386 in commercial loans for our members, helping businesses scale and succeed. Imagine being able to purchase new equipment or expand your operations without the stress of financial constraints. With our competitive loan options, you can focus on what matters most running your business.

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, we understand that every penny counts. Our business banking services, including merchant services and business loans, are tailored to support your venture's growth. From accepting payments smoothly to securing funding when you need it most, American First is here for you.

Credit Cards & Rewards

Everyone loves rewards! Our credit cards with rewards allow you to earn points on your everyday purchases, giving you more value for your spending. This feature is perfect for members who want to make their money work harder while enjoying perks like cash back or travel benefits.

Digital Banking Convenience

In today's fast-paced world, we know convenience is key. That's why we offer robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills all from your smartphone or computer. With features like ATM access for cash withdrawals and balance checks available at multiple locations, banking has never been easier.

Personal Banking Made Simple

Managing your finances can be easy with our personal banking options. We offer checking and savings accounts that fit your lifestyle, helping you save for future goals or manage daily expenses. If you're in the market for a new car or need to finance a vehicle, our auto loans and vehicle financing solutions can help you hit the road without breaking the bank. For those considering homeownership or looking to refinance, our mortgage loans come with competitive rates and personalized service. Additionally, we provide personal loans and debt consolidation options to help you manage your financial commitments effectively.

Shared Branch Services

We also provide basic shared branch transactions for partner credit union members, enabling deposits and withdrawals without hassle. Our commitment extends beyond just our branch; we strive to ensure all members receive exceptional service wherever they bank. For any questions about our services or if you're ready to become a member of American First, please call us at 800-290-1112. We invite you to visit our website here for more information on how we can assist you in achieving your financial goals. Join us today at American First in Orange! Your financial journey starts here.

Digital & Online Banking

Always Available

Our 24/7 online banking services mean you're never far from your accounts. Whether it's early in the morning or late at night, you can log in whenever it suits you best. With mobile payments enabled, making purchases is a breeze just tap and go! In summary, American First offers a comprehensive suite of digital banking tools that are designed for modern lifestyles. We prioritize accessibility and security so that you can manage your finances confidently and conveniently!

Key Features

With our online banking service available at https://www.amerfirst.org/ , you can manage your finances with ease. Check your balances, transfer funds, and pay bills all from the comfort of your own home or while you're out and about. Our user-friendly platform ensures that everything is straightforward, so you can focus on what matters most. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. You can send cash directly from your account to theirs without any hassle. Plus, if you're looking for even more convenience, our mobile application lets you handle all of this right from your smartphone.

Security and Accessibility

We take security seriously. While we currently do not offer electronic signature authorization, rest assured that our online banking system employs robust security measures to protect your information. You can feel safe knowing that your personal data is kept secure as you manage your accounts. Additionally, we provide e-statements for those who prefer to go paperless. This means you can easily access your account statements anytime without cluttering up your mailbox.

Financial Strength

Growing Membership Base

With total share accounts at 85,364, we show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, American First is your trusted partner. Visit us at 247 E Katella Ave Orange Ca 92867 or call (800) 290-1112 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $107,519,135 in share certificates and $256,304,664 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $145,493,112, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $1,810,926, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 115 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $101,385,877 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 robust; with $4,975 in used auto loans and $800,507,917 in total loans and leases, we support members' financial goals across various sectors.

Strong Financial Health

With a net worth of $103,848,229, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,043 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $112,013,152 in used vehicle loans and $47,579,174 in new vehicle loans already helping members get on the road. We cater to both new and used vehicle financing options to fit your budget.

Credit Lines and Commercial Loans

For those looking for additional flexibility, our total credit lines stand at $419,869,179, allowing you to access funds as needed. Additionally, for business owners seeking growth opportunities, our outstanding commercial loans totaling $434,850,269 provide the capital necessary for expansion. At American First, we're dedicated to supporting your financial journey with competitive rates and personalized service. If you're interested in exploring refinancing or eligibility options for any of our loan products, please visit our website or contact us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to become part of our community where your financial well-being is our top priority!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $23,825,988, make buying or refinancing simple. Whether you are a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $7,688,720 in loans helping members manage their finances effectively. This option provides easy access to funds for unexpected expenses without the need for collateral.

Loan Aggregator

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AMERICAN FIRST CREDIT UNION - Orange, CA