First City Credit Union Palmdale CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First City, your trusted financial partner located at 40162 10Th St W Ste A2, Palmdale, CA 93551. Since our establishment in 1937, we have been dedicated to serving our community with reliable financial services tailored to meet the diverse needs of our members. With a strong commitment to fostering personal relationships, we proudly serve over 55,826 members and manage assets totaling an impressive $908,055,831. At First City, we believe that every member deserves access to quality financial resources. That's why we offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our focus on community means you can count on us for competitive rates and personalized service. While members can visit us at our physical location in Palmdale, official correspondence should be sent to 40162 10th St W Ste A2, Palmdale, CA 93551-3041. If you have any questions or need assistance, feel free to call us at 800-944-2200. Led by our CEO Navneet Khanna and Board President Micheal Steinberger, our dedicated team of 115 employees is here to support you every step of the way. Whether you're looking to secure a loan or open a new account, we're committed to helping you achieve your financial goals. Discover the First City difference today! Visit our website at First City for more information or drop by our branch during business hours: Monday to Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. We can't wait to serve you!

Branch History & Mission

At First City, we take pride in our rich history and commitment to serving the community of Palmdale, CA. Since opening our doors in 1937, we have grown from a small cooperative to a trusted financial institution, now boasting over 55,000 members. Our branch, located at 40162 10Th St W Ste A2, Palmdale, CA 93551, stands as a testament to our dedication to providing exceptional financial services tailored to meet the needs of our diverse community. Our mission is simple yet powerful: to improve the financial well-being of our members and support the communities we serve. We believe that everyone deserves access to quality banking services that empower them to achieve their goals. With total assets exceeding $908 million, we are committed to offering a range of products, including personal banking accounts, auto loans, mortgages, and business banking solutions. Over the years, First City has embraced innovation while remaining grounded in our core values. We've made significant investments in digital banking solutions, allowing members to manage their finances conveniently through online and mobile platforms. As part of our commitment to accessibility, we ensure that all our services are ADA compliant and user-friendly for everyone. While members can visit us at 40162 10Th St W Ste A2, official correspondence should be sent to 40162 10th St W Ste A2, Palmdale, CA 93551-3041. Our lobby hours are designed for your convenience: we're open from 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Fridays, and 9 AM to 2 PM on Saturdays. Additionally, we provide ATM services for easy cash withdrawals. Community is at the heart of what we do at First City. We actively engage with local organizations and initiatives aimed at fostering growth and development within Palmdale. Our partnerships focus on enhancing financial literacy and providing support where it matters most. We invite you to join our growing family at First City Credit Union. Experience firsthand how our member-focused approach can benefit you financially while contributing positively to your community. Visit us today or call us at 800-944-2200 for more information about becoming a member or exploring our services!

Branch Location & Accessibility

Convenient Access and Parking

Our location offers ample parking space, making it easy for you to stop by without the hassle of searching for a spot. We also take accessibility seriously; our facility is ADA-compliant with ramps and features to assist anyone who may need additional support while visiting.

Get in Touch!

If you have any questions or need assistance, don't hesitate to give us a call at 800-944-2200. Our friendly staff is always ready to help! We invite you to stop by our branch today and discover how First City can help make your banking experience both convenient and enjoyable.

Operating Hours

At First City, we understand that flexibility is key when it comes to banking. That's why we've tailored our operating hours to fit your busy schedule. Our lobby is open from 9 AM to 5 PM Monday through Thursday, and until 6 PM on Fridays. If you prefer to visit on Saturdays, join us from 9 AM to 2 PM for our drive-thru services.

Services Tailored for You

We offer a variety of services designed to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. If you're looking for business banking solutions or simply want access to an ATM for cash withdrawals and balance checks, we have you covered.

Member Eligibility

Becoming a member of First City feels like joining a close-knit family that truly cares about your financial well-being. If you're wondering how to get started, you'll be happy to know that eligibility is designed to be welcoming and inclusive. Generally, anyone who lives, works, or worships in the community surrounding 40162 10Th St W Ste A2 Palmdale Ca 93551 can become a member. This means that whether you're a local resident or just part of the vibrant community here, we invite you to join us! The benefits of membership are plentiful, from personalized banking solutions to lower loan rates and access to exclusive products tailored just for you. To learn more about the specific criteria for membership, check out our detailed guide at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad9p5ohrb21u42vf4mi4ehvohesn2p5t0h5-u4tyligz1tj3_tnxhcdu0jh0bz39a6ubksrfa8wnwsgwelcj1hm4qmvpo2uikessoo4ftv-zz&utm_source=web_banner&utm_medium=website_banner_link&utm_campaign=wecu_join-now_banner&utm_id=wecu_mbrsp_banner&utm_content=wecu_web-banner_mlapp . When you're ready to open an account and take advantage of all that we offer, it's as easy as visiting us or going online at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad9p5ohrb21u42vf4mi4ehvohesn2p5t0h5-u4tyligz1tj3_tnxhcdu0jh0bz39a6ubksrfa8wnwsgwelcj1hm4qmvpo2uikessoo4ftv-zz . If you have any questions along the way, feel free to reach out at (800) 944-2200. We can't wait to welcome you into the First City family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business without the hassle of payment processing. Our merchant services make it easy for you to accept payments from customers whether they're paying online or in-person. This means you can focus on what really matters: growing your business and serving your customers better. Located at 40162 10Th St W Ste A2 Palmdale Ca 93551, Palmdale, CA, we invite you to visit us or give us a call at (800) 944-2200 to learn more about how our business banking solutions can support your goals. Together, let's build a brighter future for your enterprise!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For our business members, we understand that every dollar counts. That's why we offer tailored business banking services, including merchant services and business loans, to help your company thrive in a competitive market.

Convenient Digital Banking

In today's fast-paced world, convenience is key. At First City, we embrace technology to enhance your banking experience. Our online and mobile banking platforms let you check balances, transfer funds, and pay bills from anywhere at any time. You can also use our ATMs for cash withdrawals and balance checks without hassle.

Member Support

We value each member's experience and strive to offer support that makes financial management straightforward. Our friendly staff is always ready to assist you over the phone at (800) 944-2200 or during branch hours. At First City, our goal is to be more than just a place for transactions; we aim to be your partner in achieving financial wellness. With our comprehensive list of services from personal banking solutions to business support we're here to help you navigate your financial landscape smoothly. Ready to explore what we can do for you? Visit us at 40162 10Th St W Ste A2 Palmdale Ca 93551, call us at (800) 944-2200, or check out our website at Antelope Valley today!

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your daily finances and save for future goals. When it comes to purchasing a vehicle, our auto loans and vehicle financing options provide competitive rates to get you behind the wheel without breaking the bank. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans can guide you through the process with ease. For those looking to consolidate debt or cover unexpected expenses, our personal loans come with flexible terms that fit your lifestyle. Plus, don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases while enjoying various perks.

Digital & Online Banking

Key Services

With our online banking platform, available at https://www.firstcitycu.org/ , you can access your accounts anytime, anywhere. Our 24/7 online banking services allow you to check your balance, pay bills, and transfer money with just a few clicks. Plus, you can enjoy the convenience of e-statements, which are not only eco-friendly but also help you keep track of your financial activity effortlessly. If you're looking for quick and easy transactions, our person-to-person transfer feature makes sending money to friends or family simple and fast. You can also take advantage of our mobile payments option, allowing you to pay for goods and services directly from your phone.

Security and Accessibility

We prioritize your security with features like electronic signature authorization. This ensures that your transactions are safe and protected from unauthorized access. Our user-friendly mobile application is available for download, giving you complete control over your finances right in the palm of your hand. At First City, we believe that banking should be accessible for everyone. Whether you're checking your account balance or making a payment on the go, our digital services are designed to be intuitive and straightforward. Join us today at First City and experience how easy banking can be!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 100,664, showing a strong and growing member base that trusts us with their finances. This foundation allows us to maintain our mission of serving you first. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First City is your trusted partner. Visit us at 40162 10Th St W Ste A2 Palmdale Ca 93551 or call (800) 944-2200 to learn more about how we can help you achieve your financial goals.

Member Savings & Investment Opportunities

Members' savings are secured through $148,085,801 in share certificates and $89,884,015 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 $3,627,413 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 115 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $111,531,829 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors; we have $4,760 in used auto loans and $395,502,807 in total loans and leases.

Strong Net Worth

With a net worth of $122,908,693, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,353 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

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 $82,051,633 in used vehicle loans and $55,069,344 in new vehicle loans, helping members get on the road with confidence. Whether you're eyeing a shiny new model or a reliable used vehicle, our financing options can support your needs.

Credit Lines

For those looking for added flexibility, our total credit lines amount to $325,378,574. These lines of credit allow you to access funds as needed without the hassle of applying for multiple loans. If you're considering refinancing any existing loans or need guidance on eligibility options, our team is here to assist you every step of the way. For more information on our loan offerings or to get started, please reach out to us at (800) 944-2200 or visit us at 40162 10Th St W Ste A2 Palmdale Ca 93551 in Palmdale, CA. We're here to help you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $55,778,762, making it easier for you to turn your dream of owning a home into reality.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $16,510,884 in loans helping members manage their finances effectively. This option is perfect for those who want to keep their spending manageable while still enjoying the benefits of credit.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the best available options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This feature empowers them to make informed decisions without unnecessary delays. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*

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 all offers are fair and transparent, giving users confidence in their choices.

FIRST CITY CREDIT UNION