California Credit Union Torrance CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to California, your trusted credit union located at 20016 Hawthorne Blvd, Torrance, CA 90503. Established in 1933, we have been serving our community for nearly a century, building lasting relationships with our members and supporting their financial goals. With a strong membership base of 196,473 and total assets exceeding $5.1 billion, we are proud to be a stable and reliable choice for personal and business banking needs. At California, we believe in the power of community. Our dedicated team of 527 employees, led by CEO Steven O'Connell and Board President Walton Greene, is committed to providing you with exceptional service tailored to your unique financial situation. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking solutions, we offer a range of services designed to meet your needs. As a member-focused organization, we prioritize your financial well-being. Our impressive total deposits stand at $648.9 million, reflecting the trust our members place in us. We also maintain a healthy net worth of $467.2 million and have cash reserves of $39 million ready to support our lending initiatives, which include over 88,545 loans and leases issued to date. While members can visit us at 20016 Hawthorne Blvd, official correspondence should be sent to the same address. For any inquiries or assistance, please don't hesitate to reach out at 800-334-8788. We invite you to experience the difference that comes from being part of a community-oriented credit union like California. Explore more about what we offer by visiting our website at ccu.com, or stop by our branch today! Join us as we continue to support our members' dreams and aspirations every step of the way!

Branch History & Mission

Join Us!

As we continue on this journey together, we encourage you to become part of the California family. Experience the benefits of being a member whether you're looking for personal banking solutions like checking and savings accounts or loans for your next vehicle or home. Together, let's build a brighter financial future! For more information about joining us and all that we offer, visit our website.

Our Journey

From the start, our mission has been clear: to provide exceptional financial services while supporting our community. As we expanded our offerings, we focused on building strong relationships with our members. Today, we are proud to manage assets totaling over $5,134,469,225, ensuring that we remain well-equipped to serve our growing membership base. Throughout the years, we've embraced technological advancements to enhance member experiences. Our commitment includes providing online and mobile banking options and ensuring ADA compliance for all our facilities. We understand that convenience is key; however, we also value personal connections and strive to make every interaction meaningful.

Our Mission

At California, our mission goes beyond just banking. We aim to empower individuals through financial education and resources while actively giving back to the communities we serve. Whether it's through local partnerships or outreach initiatives, we believe in fostering an environment where everyone can thrive financially. We invite you to visit us at our branch location or reach out via phone at 800-334-8788. While members can find us at 20016 Hawthorne Blvd, official correspondence should be sent to 20016 HAWTHORNE BLVD, TORRANCE, CA 90503 if necessary.

Branch Location & Accessibility

Accessibility Features

At our Torrance branch, we prioritize accessibility for all members. The building is ADA compliant, ensuring that everyone can navigate comfortably. Additionally, there's ample parking available for both regular and handicap-accessible vehicles, so you can visit us without any hassle.

Convenient Access and Nearby Landmarks

Finding us is simple! We're close to several popular spots, including the bustling Del Amo Fashion Center and the serene Madrona Marsh Nature Center. Whether you're heading home from work or just visiting the area, our location provides easy access for all your banking needs.

Operating Hours and Services

We're here to serve you during convenient hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Our friendly team is ready to assist with a variety of services including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also offer online and mobile banking to make managing your finances even easier. While we currently do not have ATM availability or drive-thru service at this branch, our dedicated staff is always on hand to help with any questions or transactions you may have.

Stay Connected

If you need assistance or want to learn more about what we offer, don't hesitate to reach out! You can give us a call at 800-334-8788. We look forward to welcoming you into our California family and helping you with all your financial needs. Come visit us soon!

Member Eligibility

At California, we believe that joining our community is about more than just banking; it's about being part of a family that supports one another. If you're looking to become a member, you'll be pleased to know that eligibility is designed to be inclusive and welcoming. Whether you live, work, or worship in the area, or are related to someone who does, you're likely eligible to join us at our branch located at 20016 Hawthorne Blvd Torrance Ca 90503. Membership opens doors to a range of benefits including competitive rates on loans and savings accounts, personalized service, and access to financial education resources tailored just for you. Getting started is easy! Simply visit our website for detailed eligibility criteria at https://www.ccu.com/join/. If you're ready to open an account or have any questions, don't hesitate to call us at (800) 334-8788. We're here to help guide you through the process every step of the way, ensuring that becoming a member feels both straightforward and rewarding. Join us today and discover how we can help you achieve your financial goals!

Business Banking & Commercial Services

Commercial Loans

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.

Merchant Services

In addition to loans, we provide essential merchant services that simplify payment processing. Imagine having a reliable system that allows you to accept payments seamlessly whether your customers prefer credit cards, debit cards, or mobile payments. With our merchant services, you can focus on what truly matters: growing your business while we handle the transactions. Let California be your partner in success. Visit us at 20016 Hawthorne Blvd Torrance Ca 90503 or call us at (800) 334-8788 to learn more about how we can support your business needs today!

Comprehensive List Of Services

Business Banking

For those running their own businesses, we provide essential banking services tailored for entrepreneurs. Our business banking options include merchant services and business loans, ensuring you have the resources needed to grow and thrive in today's market.

Credit Options

Credit cards with rewards are another great way to earn benefits while making everyday purchases. Think about how rewarding it could be to earn points on groceries or gas that can be redeemed for travel or cash back. Our credit cards are designed not only for convenience but also to give you value in return. If you're facing unexpected expenses or looking to consolidate debt, our personal loans can offer the support you need. With straightforward application processes and competitive rates, we're committed to finding the right solution for your situation.

Digital Banking Convenience

In today's fast-paced world, we understand the importance of having access to your finances anytime and anywhere. That's why we offer comprehensive online and mobile banking services. With just a few taps on your smartphone, you can check balances, transfer funds, pay bills, and even make person-to-person payments all from the comfort of home or on the go.

Easy Access to Cash

While we currently don't have ATMs at our branch location, rest assured that we strive to make cash withdrawal services easy through various partnerships and networks available in the area. At California, we're not just about transactions; we're about building lasting relationships with our members. We invite you to visit us at 20016 Hawthorne Blvd Torrance Ca 90503 or give us a call at (800) 334-8788 if you have any questions about how we can assist you with your financial journey. Join us today and discover all the ways we can help you achieve financial success!

Personal Banking

Our personal banking services include checking and savings accounts that help you manage your day-to-day finances effortlessly. Imagine having a secure place for your money while earning interest on your savings. Our accounts are user-friendly, making it easy to track your spending and plan for future expenses. When it comes to larger purchases, like a car or home, our auto loans and mortgage options provide flexible financing solutions. Whether you're buying your first vehicle or refinancing an existing loan, we work with you to find terms that fit your budget.

Digital & Online Banking

E-Statements and Mobile Application

Stay organized with e-statements, which allow you to view your financial activity without the clutter of paper statements. This feature is not only eco-friendly but also helps you keep track of your finances more efficiently. If you're always on the move, our mobile application provides an easy-to-use interface that puts all these banking services right at your fingertips.

Mobile Payments and Transfers

Need to make a quick payment? Our mobile payments feature lets you send money instantly using just your smartphone. Additionally, our person-to-person transfer option makes it simple to split bills or send money to friends and family in a flash.

Security and Ease of Use

We take your security seriously. While we currently do not offer electronic signature authorization for certain transactions, rest assured that all our digital services are built with strong security measures in place. You can feel confident managing your accounts online without worry. In summary, at California, we're committed to making banking easier for you through our innovative digital services. Whether you're checking e-statements, making payments via our app, or utilizing online banking tools, we aim to enhance your financial experience every step of the way. Join us today and explore all the ways we can support your banking needs!

Financial Strength

Investing in Your Future

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 robust lending capacity is illustrated by the $20,736 in used auto loans and $3,101,496,759 in total loans and leases. This enables us to support your financial goals across various sectors.

Member-Centric Savings Options

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.

Operational Efficiency

Our $0 reflects our operational efficiency, 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.

Strong Financial Health

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.

Trustworthy Partnership

Total Share and Deposit Accounts: 269,326, 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, California is your trusted partner. Visit us at 20016 Hawthorne Blvd Torrance Ca 90503 or call (800) 334-8788 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

Additional Financing Options

For those seeking additional financing solutions, our total credit lines reach $2,087,705,692, giving you access to funds when you need them most. If you're a business owner, our outstanding commercial loans totaling $413,773,027 provide the capital needed to grow and expand. At California, we prioritize making financial services accessible and straightforward. If you're interested in refinancing or exploring eligibility options for any of our loan products, please don't hesitate to contact us at (800) 334-8788 or visit us at our branch located at 20016 Hawthorne Blvd Torrance Ca 90503 in Torrance, CA. 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're committed to supporting our members with the best possible financial solutions tailored to individual needs.

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. We make it simple to finance your next vehicle with flexible terms and competitive interest rates.

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 straightforward. We provide various mortgage products that can fit your budget and lifestyle. Whether you're purchasing your first home or refinancing an existing loan, our team is here to guide you every step of the way.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. Our credit card options come with benefits that can support your spending habits while providing rewards for responsible use.

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California

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans