California Credit Union El Cajon CA | Best Auto Loans & ATM Services

Introduction

Welcome to California, your trusted credit union located at 301 N Magnolia Ave Ste 102, El Cajon, CA 92020. Since our establishment in 1933, we have proudly served our community with a commitment to helping our members achieve their financial goals. With a strong membership base of over 196,000 and total assets exceeding $5.13 billion, we are dedicated to providing personalized banking solutions that cater to your unique needs. At California, we understand the importance of financial security and accessibility. Our team, led by CEO Steven O'Connell and Board President Walton Greene, is passionate about ensuring that you receive exceptional service every time you visit us. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking solutions, we've got you covered. While members can visit us at our El Cajon branch, official correspondence should be sent to our mailing address: PO Box 85833, San Diego, CA 92186. We also offer modern conveniences such as online banking and mobile payments for easy access to your accounts anytime, anywhere. Our robust financial foundation is reflected in our substantial holdings, including $648 million in total deposits and a net worth of $467 million. We are committed to supporting our community through various lending programs, boasting an impressive portfolio of over 88,500 loans and leases. Join us today and experience the difference that comes from being part of a member-focused credit union. Visit our website at ccu.com or give us a call at (619) 656-7167. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to California, a proud credit union that has been serving the vibrant community of El Cajon, CA since its inception in 1933. With a legacy of over 90 years, we have grown alongside our members, adapting and evolving to meet their needs. Today, we proudly serve a membership base of approximately 196,473 individuals, all while managing total assets of $}. Located at 301 N Magnolia Ave Ste 102 El Cajon Ca 92020, our branch is easily accessible for local residents. Whether you're near the bustling downtown area or enjoying a day at one of the nearby parks, visiting us is convenient. For official correspondence, please note that our mailing address is PO Box 85833, San Diego, CA 92186. Our mission at California is simple yet powerful: to provide exceptional financial services while fostering community support and engagement. We believe in putting our members first by offering a range of products tailored to fit their unique lifestyles, from personal banking options like checking and savings accounts to auto loans and credit cards with rewards. Our commitment extends beyond banking; we actively participate in local outreach programs, ensuring that we give back to the community that supports us. As technology advances, so do we. Our digital banking services make it easy for members to manage their finances on-the-go through online and mobile banking platforms. Additionally, we prioritize accessibility with ADA-compliant facilities, ensuring everyone can benefit from our services. At California, we understand the importance of personal connection in banking. That's why we offer features such as drive-thru banking for quick transactions and ATM availability for added convenience. Our team is always ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. We take pride in our partnerships within the community, working together with local organizations to uplift those around us. This spirit of collaboration has been integral to our identity since our founding. Join us at California, where your financial journey matters. Experience firsthand how we blend tradition with modern solutions while staying committed to serving you and your family. Whether you're looking to open an account or explore loan options, we invite you to reach out or visit us today! For more information, call us at (619) 656-7167 or check out our website at El Cajon.

Branch Location & Accessibility

Convenient Access and Features

Our branch is designed with accessibility in mind. There are ample parking spaces available for your convenience, including spots that are compliant with ADA standards. If you're in a hurry, take advantage of our drive-thru service, where you can handle quick transactions without having to leave your car. While members can visit us at 301 N Magnolia Ave Ste 102, official correspondence should be sent to PO Box 85833, San Diego, CA 92186 if you need to reach us by mail.

Operating Hours

We know your time is valuable, which is why we offer flexible banking hours to suit your schedule. Visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Our dedicated staff is here to assist you during these hours with a variety of services.

Services Available

At California's El Cajon branch, we provide a range of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. Need cash? We have an ATM on-site for quick withdrawals and balance checks. We invite you to stop by or give us a call at 619-656-7167 if you have any questions or need assistance. Our team looks forward to helping you achieve your financial goals!

Member Eligibility

At California, we believe that everyone deserves the opportunity to be part of a welcoming community where financial needs are met with care and understanding. Becoming a member is easy and open to anyone who lives, works, worships, or attends school in our local area. If you meet these criteria, you're already on your way! Plus, being a member comes with fantastic benefits such as competitive rates on loans and personalized service tailored just for you. For more detailed information about membership eligibility, feel free to check out our official page at https://www.ccu.com/join/. When you're ready to join us, you can start the account opening process online at https://www.ccu.com/join/ or give us a call at (619) 656-7167. We're excited to welcome you to California, located at 301 N Magnolia Ave Ste 102 El Cajon Ca 92020, where together we can achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services offer tools that streamline payment processing and improve cash flow. Picture a busy Saturday at your store our services ensure you can accept payments quickly and securely, allowing you to focus on what matters most: serving your customers. Located conveniently at 301 N Magnolia Ave Ste 102 El Cajon Ca 92020, El Cajon, CA, we invite you to explore how our services can help your business thrive. Contact us today at (619) 656-7167 for more information!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $765 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $240 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $413,773,027, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

When you need cash on the go, our network of ATMs makes it simple to withdraw funds or check balances without hassle. Additionally, our basic drive-thru banking allows for quick deposits, withdrawals, and other simple transactions right from your car. At California in El Cajon, we prioritize making banking straightforward and accessible for all our members. If you have questions about any of our services or need assistance in choosing the right options for you, don't hesitate to reach out! Call us at 619-656-7167, visit us in person at our branch, or explore more about what we offer at ccu.com. We're here to assist you every step of the way!

Business Banking Services

For our business members, California offers robust business banking solutions including merchant services and business loans that support your entrepreneurial journey. Whether you're just starting out or expanding an existing venture, we're here to help you succeed.

Digital Banking Convenience

In today's fast-paced world, having easy access to your accounts is essential. That's why we provide comprehensive online and mobile banking features. You can manage your accounts anytime, anywhere from checking balances to transferring funds all from the convenience of your smartphone or computer.

Loan Options Tailored for You

If you're facing unexpected expenses or planning for a big purchase, our personal loans and debt consolidation services can help lighten your financial load. We also offer credit cards with rewards, allowing you to earn benefits while managing your everyday purchases effectively.

Personal Banking Solutions

We understand that everyone has different banking needs, which is why we offer a variety of personal banking options. You can choose from checking and savings accounts that suit your lifestyle and financial goals. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. If you're dreaming of owning a home or refinancing your current mortgage, our mortgage loans are tailored to help you navigate the process smoothly.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.ccu.com/, provides a wide range of features designed to make your banking experience smooth and efficient. You can view your account balances, transfer funds, and pay bills without needing to visit a branch. Plus, our 24/7 online banking services ensure that you have access to your accounts whenever you need them. If you're looking for an eco-friendly option, you can sign up for e-statements available now! This service not only helps you keep track of your finances but also reduces paper waste. And while electronic signatures are not currently available at California, rest assured that our security measures keep your information safe.

Mobile Banking Made Easy

For those who prefer banking on their phones, our mobile application is here to help. Available for both Android and iOS devices, it allows you to manage your accounts on the go. You can make person-to-person transfers with just a few taps a perfect solution for splitting bills with friends or sending money to family members. And if you're someone who enjoys using mobile payments, you'll be pleased to know that we support this feature as well. Now you can easily make purchases using just your smartphone. In summary, whether you're checking balances or making transfers, California offers user-friendly digital banking solutions that fit into your lifestyle. Experience the freedom of managing your money securely and conveniently today!

Financial Strength

Commitment to Growth

With $296,329,148 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 $20,736 in used auto loans and $3,101,496,759 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 477 full-time employees and 50 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $1,177,299,189 in share certificates and $799,334,024 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $286,696,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Foundation

With a net worth of $467,195,510, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $908 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Reliability

Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 269,326, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, California is your trusted partner. Visit us at 301 N Magnolia Ave Ste 102 El Cajon Ca 92020 or call (619) 656-7167 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $374,576,166 in used vehicle loans and $163,022,500 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to assist you throughout the process.

Business Financing

For business owners, our outstanding commercial loans totaling $413,773,027 provide the capital needed to grow and expand. We recognize that businesses are vital for community development, and we're dedicated to providing tailored solutions that can help your business thrive. If you're considering refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out. Our knowledgeable staff at 301 N Magnolia Ave Ste 102 El Cajon Ca 92020 in El Cajon, CA, is ready to answer any questions you may have. You can contact us at (619) 656-7167 during our operating hours: Mon - Thu 9:00 AM - 5:00 PM; Fri 9:00 AM - 6:00 PM; Sat 9:00 AM - 2:00 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 take the next step toward your financial future!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $44,147,777 in loans helping members manage their finances effectively. This product is ideal for those looking to handle unexpected expenses or consolidate debt without collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $325,320,391, make buying or refinancing simple. We strive to make the journey to owning your own home as smooth as possible, offering support every step of the way.

Loan Aggregator

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California

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans