Arrowhead Central Needles CA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Arrowhead Central, your trusted partner in financial growth and community support located at 1001 W Broadway St, Needles, CA 92363. Established in 1949, we have been serving our members for over seven decades with a commitment to personal service and financial wellness. With a proud membership of 212,605 individuals, we strive to empower each member with the tools they need to achieve their financial goals. At Arrowhead Central, we recognize that every dollar counts. That's why we manage a robust total asset base of $2,378,048,305 while ensuring our members benefit from competitive rates on loans and deposits. Our total deposits amount to $434,827,142, allowing us to provide an impressive range of services including auto loans, mortgage refinancing, personal loans, and business banking solutions. Our leadership team is dedicated to fostering a supportive environment for our members. Under the guidance of CEO Darin Woinarowicz and Board President Tom Potter, we focus on building lasting relationships within our community. Whether you're seeking assistance with everyday banking needs or exploring more complex financial products, our experienced staff is here to help. While members can visit us at our branch location in Needles, official correspondence should be sent to PO Box 918, Needles, CA 92363. For any inquiries or assistance, feel free to reach out at (909) 379-6540 during our operating hours from Monday to Friday between 9:00 a.m. and 5:00 p.m. Join us today and discover how Arrowhead Central can make a difference in your financial journey. Visit our website at arrowheadcu.org for more information or to become a member!

Branch History & Mission

Arrowhead Central, located at 1001 W Broadway St in Needles, California, has a rich history that dates back to its founding in 1949. Since then, it has grown from a small financial institution into a vital community resource, proudly serving over 212,605 members. With total assets of approximately $2,378,048,305, Arrowhead Central has become a trusted partner for financial services in the region. From its humble beginnings, Arrowhead Central has evolved significantly. The branch was established with the mission of providing affordable financial solutions and promoting economic well-being within the community. Over the years, it has expanded its offerings to include personal banking services such as checking and savings accounts, auto loans and vehicle financing, mortgage loans, and credit cards with rewards. This growth reflects its commitment to adapting to the changing needs of its members while maintaining a focus on exceptional service. The mission of Arrowhead Central is clear: to empower our members by providing access to quality financial products while supporting our community through outreach and education. By prioritizing member satisfaction and engagement, Arrowhead Central aims to build lasting relationships that enhance the lives of those it serves. While members can visit us at 1001 W Broadway St in Needles for their banking needs, official correspondence should be sent to PO Box 918 in Needles. The branch operates Monday through Friday from 9:00 a.m. to 5:00 p.m., ensuring convenience for all who come through its doors. Although we do not have drive-thru services available at this location, we are equipped with an ATM for easy access to cash. Arrowhead Central also embraces modern technology with online and mobile banking options that allow members to manage their finances anytime and anywhere. With features like e-statements and mobile payments available, we strive to make banking as accessible as possible. Community involvement remains a cornerstone of our identity. Through various partnerships and outreach programs, Arrowhead Central actively supports local initiatives that contribute to economic growth and educational opportunities within Needles and surrounding areas. We invite you to join Arrowhead Central today! Experience firsthand the benefits of membership where your financial success is our priority. Reach out at 909-379-6540 or visit our website at arrowheadcu.org for more information on how you can become part of our growing family. Together, let's build a brighter future for our community!

Branch Location & Accessibility

Convenient Location and Nearby Landmarks

Our branch is situated near local landmarks that make it easy to drop by while you're out and about. Whether you're running errands or enjoying a day in town, you can easily stop in for any banking needs. Plus, we offer ample parking and ADA-compliant accessibility features, ensuring that everyone can access our services comfortably.

Friendly Operating Hours

At Arrowhead Central, we understand that life can be busy. That's why we're open Monday through Friday from 9:00 a.m. to 5:00 p.m., making it simple for you to fit banking into your schedule. Our team is here to assist you with everything from checking accounts to auto loans and personal financing options.

Services Tailored Just for You

We offer a wide variety of services designed to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we're committed to helping you achieve your financial goals. Need cash quickly? Our ATM is available for your convenience too! While we currently do not have drive-thru service or shared service centers, our staff is always ready to assist you inside. If you have questions or need assistance, feel free to give us a call at 909-379-6540. We're eager to help you navigate your banking journey!

Visit Us Today!

Whether you're already a member or considering joining our family, we invite you to visit Arrowhead Central today. Experience the difference of personalized service right here in Needles!

Member Eligibility

At Arrowhead Central, we believe that everyone deserves access to financial services that empower them. Joining our community is simple and welcoming! If you live, work, worship, or attend school in San Bernardino County, you're likely eligible to become a member. We cherish our members and strive to offer benefits that make a real difference in their lives, including competitive rates on loans and savings accounts, personalized service, and a range of banking products designed just for you. To get started with your membership at Arrowhead Central, simply visit us at 1001 W Broadway St, Needles, CA 92363 or give us a call at 909-379-6540. You can find all the detailed eligibility criteria on our website at arrowheadcu.org/become-a-member. Once you're ready to open an account, check out the straightforward process outlined here: arrowheadcu.org/loans/auto/auto-loans. We look forward to welcoming you into our family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to our loan offerings, we provide merchant services tailored to meet the needs of local businesses. Imagine having a reliable payment processing system that allows you to focus on serving your customers while we handle the financial transactions smoothly. Our services are designed to simplify your operations, making it easier for you to accept payments and manage cash flow effectively. Located at 1001 W Broadway St, Needles, CA 92363, our dedicated team is here to guide you through every step of the process. Connect with us today at 909-379-6540 to discover how Arrowhead Central can support your business ambitions!

Tailored Loan Options for Your Growth Journey

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $46 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $32,203,893, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With ATM availability at our branch, withdrawing cash or checking balances is quick and hassle-free. You can access your funds when you need them without any stress. At Arrowhead Central, we are dedicated to serving our community in Needles and beyond. If you're ready to take advantage of these services or have questions about how we can assist you further, don't hesitate to give us a call at 909-379-6540. Visit us today and discover how we can support you on your financial journey!

Auto Loans & Vehicle Financing

Thinking about buying a new car? We offer auto loans and vehicle financing options that make it easy for you to drive away in the vehicle of your dreams. With flexible terms and competitive rates, we ensure that your experience is as smooth as possible. Our friendly team is here to help guide you through the process every step of the way.

Business Banking

For our entrepreneurial members, we offer business banking services including merchant services and business loans. Let us support your business growth by providing tailored financial solutions that meet the unique challenges faced by small business owners.

Credit Cards with Rewards

Enjoy shopping even more with our credit cards that come with rewards! Earn points for every purchase you make and redeem them for exciting benefits. This makes everyday spending not just easier but also rewarding.

Mortgage Loans & Refinancing

If owning a home is on your radar, explore our mortgage loans and refinancing options. We understand that purchasing a home is one of the most significant investments you'll make, which is why we offer personalized solutions to fit your budget and long-term goals.

Online & Mobile Banking

In today's fast-paced world, convenience matters. Our online and mobile banking features allow you to access your accounts anytime, anywhere. Whether it's checking balances, making transfers, or paying bills, managing your finances has never been easier.

Personal Banking

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds while enjoying competitive interest rates that help your money grow. Our accounts come with online banking capabilities, allowing you to manage your finances from the comfort of your home or on the go through our mobile app.

Personal Loans & Debt Consolidation

Need some extra cash or looking to streamline your debt? Our personal loans are designed to provide you with quick access to funds for various needs, whether it's unexpected expenses or planned projects. Additionally, if you're facing multiple debts, consider our debt consolidation services that can simplify your monthly payments into one manageable loan.

Digital & Online Banking

Key Features for Your Convenience

Our online banking service makes it simple to check your account balances, transfer funds, and pay bills without the hassle of visiting a branch. If you're looking to send money quickly, our person-to-person transfer feature is just what you need. With just a few taps on your mobile device, you can send money to friends and family with ease. For those who prefer accessing their accounts on the move, our mobile application is user-friendly and packed with features. You can enjoy mobile payments for quick transactions, making shopping easier than ever. Plus, if you choose to go paperless, e-statements are available for your convenience giving you access to your financial information in a secure and environmentally friendly way.

Security You Can Trust

We prioritize your security at Arrowhead Central. While we currently do not offer electronic signature authorization for transactions, rest assured that all online activities are protected by robust security measures. You can manage your accounts confidently knowing that we take every precaution to keep your information safe. With our digital banking tools, staying on top of your finances has never been more accessible or straightforward. Join us at Arrowhead Central today and experience the ease of modern banking at your fingertips!

Financial Strength

Growing Together

We are proud of our member base, which includes a total of 303,274 share accounts. This reflects a strong and growing community that trusts us with their finances. The funds available for lending and investments stand at $1,378,296, further indicating our capability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Arrowhead Central is your trusted partner. Visit us at 1001 W Broadway St Needles Ca 92363 or call (909) 379-6540 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

Our $268,249,174 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Furthermore, with $29,462 in used auto loans and $1,364,095,974 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Savings Options

Your savings are secure with us through $338,520,004 in share certificates and $194,526,265 in money market shares. These options offer stable and rewarding financial growth opportunities tailored to help you achieve your goals. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 452 full-time employees and 48 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledge and commitment.

Our Solid Financial Foundation

With a net worth of $278,060,297, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid net worth is complemented by our net worth ratio of $1,167, demonstrating a reliable capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Loan Options

For those interested in expanding their business ventures, our outstanding commercial loans totaling $32,203,893 provide the capital needed for growth and expansion. If you're curious about eligibility or want to explore refinancing options for any of our products, feel free to reach out. You can contact us at 909-379-6540, or visit us at 1001 W Broadway St Needles CA 92363 during our operating hours from Monday to Friday between 9:00 a.m. and 5:00 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Arrowhead Central can support your financial journey today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided over $557,880,674 in used vehicle loans and $337,441,082 in new vehicle loans to help our members get on the road. We also offer refinancing options to help you manage existing auto loans more effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $113,879,708, making buying or refinancing simple. We provide guidance throughout the process to ensure you find the right solution for your needs.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $88,450,253 in loans helping members manage their finances effectively, our credit cards are designed with rewards that fit your lifestyle.

Loan Aggregator

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Ensuring 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 commitment ensures that users receive fair and transparent offers, reflecting the most current information available.