Energy One Credit Union Bakersfield CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Energy One, your trusted financial partner in Bakersfield, CA! Located at 9600 Ming Ave Ste 146, our branch has been serving the community since 1935. With over 18,500 members, we pride ourselves on providing personalized services that cater to your unique financial needs. Our commitment to our members is reflected in our impressive financial strength, boasting total assets of $272,140,797 and total deposits of $10,803,626. At Energy One, we understand that every member's journey is different. That's why we offer a range of services including personal banking accounts, auto loans, mortgages, and business banking solutions. Whether you're looking to buy a new car or secure financing for your business, we are here to help you achieve your goals. Our dedicated team of 57 employees works hard every day to create a welcoming environment where you can feel confident in your financial decisions. Under the leadership of CEO Steven McNabb and Board President Doug Rowley, we strive to foster a culture of trust and accountability. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 500 Old River Rd Ste D-116, Bakersfield, CA 93311. We invite you to explore how we can support you in reaching your financial aspirations. Call us today at 661-664-7770 or visit our website at energyone.org for more information on becoming a member or accessing our services. Join us as we continue to make a positive impact in the Bakersfield community because at Energy One, your success is our priority!

Branch History & Mission

Commitment to Innovation

As part of our commitment to serving you better, we've embraced technology that makes banking convenient and accessible. Our digital tools include online banking, mobile payments, and electronic signatures. We aim to create an inclusive environment by ensuring ADA compliance across all platforms. While we currently do not offer ATM or drive-thru services at this location, we do have shared service centers available for basic transactions if you're a member of one of our partner credit unions. We invite you to join Energy One Credit Union today! Experience firsthand the benefits of being part of a member-focused institution that values your financial well-being and strives to make a difference in Bakersfield. Visit us online or call us at 661-664-7770 for more information about membership and services. Together, let's build a brighter future!

Our Mission

Our mission at Energy One is clear: to provide exceptional financial services while making a positive impact on the communities we serve. We are dedicated to empowering our members through a variety of personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also offer business banking solutions including merchant services and business loans. Beyond providing excellent financial services, we actively engage in community outreach efforts. We believe in supporting local initiatives that uplift our neighborhoods and enhance the quality of life for everyone. Partnerships with local organizations enable us to foster connections and support various causes that matter most to our members.

Branch Location & Accessibility

Accessible Banking Experience

At Energy One, we prioritize accessibility for all members. Our branch is designed with features like ramps and wide doorways to ensure everyone can navigate our space comfortably. We also offer ample parking nearby for your convenience. Our friendly team is ready to assist you during lobby hours from 8:30 AM to 4:30 PM, Monday through Friday. Whether you're looking to open a new account, apply for a loan, or simply ask questions about our services, we're here to help!

Services Tailored Just for You

We provide a variety of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Additionally, if you're a member of a partner credit union, you can take advantage of basic shared branch transactions right here at our location. Unfortunately, we do not currently offer ATM or drive-thru services; however, our dedicated staff is always on hand to assist you directly inside the branch. If you have any questions or need assistance before your visit, feel free to call us at 661-664-7770. We look forward to welcoming you at Energy One in Bakersfield where your financial well-being is our priority!

Member Eligibility

At Energy One, we believe that becoming a member is like joining a family that genuinely cares about your financial well-being. If you live, work, or worship in the Bakersfield area, you may be eligible to join us and enjoy all the benefits we offer. We welcome individuals from diverse backgrounds and financial needs, aiming to create a supportive community where everyone can thrive. To learn more about specific eligibility criteria, feel free to visit our resource page at http://www.energyone.org/membership/ . Opening an account with us is a straightforward process designed with you in mind. You can start your journey towards membership by checking out our account opening details at http://www.energyone.org/loans-mortgages/mortgages/ . Should you have any questions or need assistance along the way, don't hesitate to reach out at (661) 664-7770. We're here for you!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $29 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $25,675,692, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

Imagine running your business smoothly while managing transactions effortlessly. Our merchant services allow you to accept payments quickly and securely, making it easier for customers to do business with you. From credit card processing to online payment solutions, we provide tools that enhance your operational efficiency. Located at 9600 Ming Ave Ste 146 Bakersfield Ca 93311 in Bakersfield, CA, we invite you to explore how our business banking services can help you thrive. Reach out to us at (661) 664-7770 or visit our website at https://energyone.org/ for more information!

Comprehensive List Of Services

Business Banking

For business owners, we provide specialized services such as merchant services and business loans designed to help you thrive in today's market. Whether you're starting a new venture or expanding an existing one, we are here to support your journey.

Convenience at Your Fingertips

In addition to these fantastic services, Energy One offers essential features like ATM & cash withdrawal services through shared branches for partner credit union members. Our basic shared branch transactions allow members from participating credit unions to make deposits and withdrawals conveniently. Remember that all of this can be accessed easily via our online platform or mobile app. With features like mobile payments and person-to-person transfers, managing your finances has never been simpler or more accessible.

Get Started Today!

Ready to take control of your financial future? Visit us at Energy One, located at 9600 Ming Ave Ste 146, Bakersfield, CA 93311. Give us a call at 661-664-7770 during our lobby hours from 8:30 AM to 4:30 PM, Monday through Friday. Discover how we can help you achieve your goals with personalized service and support. Your journey toward financial wellness starts here!

Loans & Credit Cards

We also offer personal loans and debt consolidation solutions for those moments when life throws unexpected expenses your way. Whether it's medical bills or home repairs, our flexible terms can help lighten the load. Don't forget about our credit cards with rewards! Earn points on everyday purchases that can lead to exciting perks like travel discounts or cashback rewards. It's a great way to make your spending work for you.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts that fit various lifestyles. Imagine having easy access to your funds through our convenient online and mobile banking services. You can check your balance, transfer money, or pay bills from anywhere at any time perfect for busy lives! Need a new car? Our auto loans and vehicle financing options make purchasing a new ride easier than ever. We understand that each member's situation is different, which is why we work with you to find the right loan with competitive rates that won't break the bank. If homeownership is on your mind, explore our mortgage loans and refinancing options tailored just for you. Buying a home is one of the biggest decisions you'll make; let us guide you through it with clarity and support.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform provides user-friendly features that help you manage your money on the go. You can enroll in e-statements, which means no more paper clutter just quick and easy access to your financial statements whenever you need them. Plus, with our mobile application, you can handle transactions right from your smartphone. Whether you're at home or out and about, staying on top of your finances has never been easier. Need to send money quickly? Our person-to-person transfer feature allows you to send funds directly to friends or family with just a few taps. And if you're busy and can't make it into the branch, our electronic signature authorization lets you sign documents digitally, saving you time without sacrificing security.

Security You Can Trust

Your safety is our top priority. Our online banking services are equipped with robust security measures to protect your personal information. We know that peace of mind is essential when it comes to banking, so rest assured that your data is safe with us. With the added convenience of mobile payments, you can make purchases directly from your phone without needing cash or cards. This makes everyday transactions smoother than ever. In summary, Energy One's digital and online banking solutions are designed for today's busy lifestyles. With secure, accessible tools at your fingertips, managing your finances has never been this convenient! Visit us at https://energyone.org/ today to learn more about how we can help simplify your banking experience.

Financial Strength

A Growing Community of Members

We are proud to serve a community of 23,759 members who trust us with their finances. This strong member base is a testament to the reliability and stability that Energy One offers. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Energy One is your trusted partner. Visit us at 9600 Ming Ave Ste 146 Bakersfield Ca 93311 or call (661) 664-7770 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Commitment to Growth and Innovation

With $29,822,144 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is also reflected in our lending capacity: we have $3,054 in used auto loans and $159,146,987 in total loans and leases to support your financial goals across various sectors.

Member-Centric Savings Solutions

Members' savings are secured through $78,771,953 in share certificates and $41,380,514 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,200, 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 take pride in having 57 full-time employees ready to assist you with personalized service every day.

Strong Financial Foundation

With a net worth of $31,341,455, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,156 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

Additional Information

If you're considering refinancing or want to explore eligibility options for any of these loans, our team is here to assist you every step of the way. You can reach us at 661-664-7770 during our operating hours from 8:30 AM to 4:30 PM (M-F). At Energy One, we're committed to helping you secure the financing you need for life's important moments. For more details about our loan offerings or to apply today, visit our website at energyone.org. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $52,576,278 in used vehicle loans and $19,386,708 in new vehicle loans already helping members get on the road. Whether you are purchasing a new or used vehicle, our financing options can help you drive away with confidence.

Commercial Loans

For business owners, our outstanding commercial loans totaling $25,675,692 provide the capital needed to grow and expand. We understand the challenges businesses face and strive to support local entrepreneurs with accessible financing options.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,753,058, make buying or refinancing simple. We provide support throughout the process to ensure you understand your options and find a plan that fits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While currently we have $0 in unsecured credit card loans available, we can provide information on how you can manage your finances effectively with credit solutions tailored for your needs.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to transparency. All loan offers are sourced from legitimate financial institutions, ensuring users can rely on the accuracy of the information presented. Additionally, LendMesh does not prioritize lenders based on paid promotions; this means users receive unbiased results tailored to their needs. The platform also offers real-time rate comparisons. Users can access up-to-date loan rates from multiple institutions, allowing them to make well-informed choices without unnecessary delays. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking for a reliable way to compare loans without any hidden agendas or misleading information, LendMesh is here to help. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures 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 ensures that all loan offers are fair and transparent. By leveraging verified data, LendMesh provides a trustworthy environment for users seeking the best loan options.

ENERGY ONE FEDERAL CREDIT UNION