Community First Lakeport CA Credit Union | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Community First, your trusted partner in financial well-being, located at 963 11th St, Lakeport, CA 95453. Since our establishment in 1959, we've been dedicated to serving our members with a personal touch, fostering a sense of community and trust. With a strong membership base of 61,017 individuals, we have grown into a significant part of the Lakeport community. At Community First, we understand that financial choices can be overwhelming. That's why our experienced team is here to help you navigate through personal banking needs like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our total assets have reached an impressive $818,932,555, reflecting our commitment to supporting our members' financial journeys. We take pride in our robust offering of services, including online and mobile banking options for your convenience. Whether you're looking to apply for a loan or simply want to manage your accounts from home, we've got you covered. Our dedicated CEO, Scott Johnson, along with Board President Carolyn Welch, leads our team of 153 employees, ensuring that you receive the best service possible. As a member-owned credit union, we prioritize your needs above all else. With total deposits amounting to $120,081,287 and a net worth of $76,017,018, we are financially stable and ready to assist you in achieving your goals. And with $9,964,507 in cash readily available, we're prepared to meet your immediate financial needs. While members can visit us at our branch location in Lakeport for personalized service and support during our operating hours from 9:00 AM - 5:30 PM, official correspondence should be sent to the same address as it also serves as our mailing address. Join us at Community First today! For any inquiries or assistance, feel free to call us at 707-546-6000. We look forward to helping you thrive financially!

Branch History & Mission

Welcome to Community First, a credit union with a rich history and a heartfelt mission. Since opening our doors in 1959, we have dedicated ourselves to serving the Lakeport community and beyond. Located at 963 11Th St, Lakeport, CA 95453, our branch is positioned in the heart of this vibrant town, making it convenient for members to access our wide range of financial services. Over the years, we have grown from a small organization into a trusted financial partner for over 61,000 members. With total assets reaching an impressive $818,932,555, we are proud to provide personalized banking solutions that cater to the unique needs of our members. Our commitment extends beyond just numbers; it's about building relationships and fostering community well-being. At Community First, our mission is clear: we strive to empower our members through accessible financial services while supporting local initiatives that enhance the quality of life in Lakeport. Whether it's offering personal banking options like checking and savings accounts or providing loans for vehicles and homes, we aim to help individuals achieve their financial goals. We also believe in giving back our involvement in community outreach programs reflects our dedication to making Lakeport an even better place to live. Our operating hours are designed with you in mind. We welcome you Monday through Friday from 9:00 AM to 5:30 PM. While you're here, take advantage of our ATM services for quick transactions. Although we currently do not offer drive-thru banking or shared service centers, we're committed to ensuring your banking experience is both efficient and enjoyable. As we look toward the future, we remain focused on embracing technology while ensuring accessibility for all members. From online banking options to mobile payments, we're continually finding new ways to serve you better while maintaining compliance with ADA standards. We invite you to join the Community First family and experience firsthand the benefits of being part of a credit union that prioritizes people over profits. Together, let's build a brighter financial future! For inquiries or assistance, feel free to reach us at 707-546-6000. While members can visit us at 963 11Th St Lakeport Ca 95453, official correspondence should be sent to 963 11th St, Lakeport, CA 95453. Join us today and discover how Community First can help you thrive!

Branch Location & Accessibility

Welcome to Community First, your friendly neighborhood credit union located at 963 11th St in beautiful Lakeport, CA. Nestled in the heart of Lake County, our branch is conveniently situated near local landmarks, making it easy for you to stop by for all your banking needs. Whether you're heading to the nearby Lakeport Plaza or enjoying a day at the scenic Clear Lake, we're just a quick visit away! At Community First, we understand that accessibility is key. Our branch offers ample parking and is fully compliant with ADA standards, ensuring that all members can easily navigate our facilities. While you're here, feel free to take advantage of our ATM services available on-site for your convenience. We're open Monday through Friday from 9:00 AM to 5:30 PM, giving you plenty of time during the week to come in and talk to our friendly staff about personal banking options like checking and savings accounts, auto loans, mortgage loans, and more. Unfortunately, we don't have a drive-thru service at this location; however, our team is always ready to assist you inside the branch. For any official correspondence, please send mail to the same address: 963 11th St, Lakeport, CA 95453. If you have questions or need assistance before your visit, don't hesitate to call us at 707-546-6000. We invite you to visit Community First and discover how we can help you achieve your financial goals!

Member Eligibility

At Community First, we believe that everyone deserves a chance to join our supportive community. Becoming a member is easy and welcoming! If you live, work, or worship in our area, you're likely eligible to join us. We embrace individuals from all walks of life, providing a friendly space where you can access essential financial services tailored just for you. Plus, as a member, you'll enjoy benefits like lower loan rates and higher savings yields. To learn more about the specific eligibility criteria and ensure you're on the right path to membership, feel free to check out our detailed guide at Community First Eligibility. If you're ready to take the next step or have any questions, don't hesitate to call us at (707) 546-6000. We're here to help you every step of the way! You can visit us in person at 963 11Th St Lakeport Ca 95453, where our team is eager to welcome you into the Community First family.

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced market, having reliable merchant services is crucial. At Community First, we provide practical solutions that help you manage transactions smoothly. From payment processing to point-of-sale systems, our services are designed to make everyday operations easier for you. Visit us at 963 11Th St Lakeport, CA 95453 or call us at 707-546-6000 to learn more about how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. Imagine having access to the funds you need to purchase new equipment or expand your operations. With our member commercial loans, you can turn your business dreams into reality.

Comprehensive List Of Services

ATM Services

We also provide ATM access, allowing you to withdraw cash or check balances effortlessly. With our ATMs conveniently located around town, you'll always have quick access to your funds without hassle.

Business Banking Services

If you're a business owner, we've got you covered too! Our business banking services include merchant services and business loans designed to help your enterprise thrive. We know how important it is for small businesses to have reliable financial support.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features. With our user-friendly platform, you can manage your accounts anytime, anywhere. Need to check your balance or make a transfer? You can do it all from your smartphone!

Credit Cards with Rewards

For everyday purchases or special occasions, consider applying for one of our credit cards with rewards. Enjoy the benefits of earning points while making purchases that matter most to you.

Get in Touch Today!

Our team at Community First is committed to serving you with a smile and helping you achieve your financial goals. If you have questions about any of our services or want to learn more about how we can assist you, please call us at 707-546-6000 or visit us at our Lakeport location. We look forward to welcoming you into our community!

Home Financing Options

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're purchasing your first home or looking to refinance an existing mortgage, our knowledgeable team will guide you through every step of the process.

Personal Banking Solutions

Starting with personal banking, we understand that managing your money effectively is essential. That's why we offer checking and savings accounts that fit your lifestyle. For those moments when life requires a little extra, our personal loans and debt consolidation options can help you regain control over your finances. If you're in the market for a vehicle, our auto loans and vehicle financing services can make that dream car a reality. We offer competitive rates and flexible terms to ensure you get the best deal possible.

Digital & Online Banking

At Community First, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to give you control over your money anytime, anywhere. Whether you're at home or on the go, our services ensure that your banking needs are just a click away. With our online banking platform, you can access your accounts 24/7. This means checking balances, paying bills, and transferring funds is all at your fingertips. Plus, our platform supports electronic signature authorization, making it simple to sign documents without the hassle of printing and mailing them. If you prefer going paperless, you'll love our e-statements feature that delivers your account statements right to your inbox saving you time and helping the environment! Managing payments has never been easier with mobile payments available at Community First. You can quickly make purchases using your smartphone or tablet, allowing for safe transactions on the go. For even more convenience, our mobile application lets you manage your accounts from anywhere, ensuring you have real-time access to everything you need. Need to send money to friends or family? Our person-to-person transfer feature makes it straightforward to send funds instantly. No more waiting for checks to clear; just enter the recipient's information, and you're done! Security is paramount at Community First, so rest assured that all our digital banking features come with top-notch security measures to keep your information safe. Enjoy the ease of banking when it suits you best with our comprehensive online services that are designed for everyday life. Join us today and experience how Community First is dedicated to making banking accessible, convenient, and secure for all our members!

Financial Strength

Commitment to Growth

With $47,555,920 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 $11,177 in used auto loans and $575,648,695 in total loans and leases, supporting your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $254,068,179 in share certificates and $105,750,265 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $1,978,613 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 143 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $76,017,018, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $926 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusted Partnership

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community First is your trusted partner. Visit us at 963 11Th St Lakeport Ca 95453 or call (707) 546-6000 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $134,696,176 in new vehicle loans and $193,987,140 in used vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $587,127 provide the capital needed to grow and expand. We understand that every business has unique needs and are committed to providing tailored solutions that support your success. If you're considering refinancing any existing loans or want to know more about eligibility options, our team is ready to assist you. We aim to make the borrowing process straightforward and stress-free. For more information about our loan offerings or to speak with a representative, feel free to contact us at 707-546-6000 or visit us at 963 11Th St Lakeport Ca 95453. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Choose Community First for your lending needs we're here to support you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $47,095,111, ensuring you have access to the capital needed for your dream home. Our team is here to guide you through the process and help you understand your options.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,401,145 in loans helping members manage their finances effectively. These cards provide an excellent way to handle unexpected expenses while enjoying rewards along the way.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh guarantees accurate loan comparisons through a reliable sourcing process. 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 ensures that users receive fair and transparent offers, making it easier to navigate the loan landscape.

COMMUNITY FIRST CREDIT UNION