ILWU Credit Union Long Beach CA | Best Auto Loans & Business Banking

Introduction

Welcome to I.l.w.u., where your financial well-being is our top priority! Located at 3447 Atlantic Ave, Long Beach, CA 90807, we have been proudly serving our community since 1972. With a solid foundation and a commitment to our members, we now boast a total membership of 27,318 individuals who trust us with their financial journeys. At I.l.w.u., we understand that banking goes beyond transactions; it's about building relationships. Our total assets amount to an impressive $517,284,899, reflecting our dedication to responsible management and growth. We offer a variety of services designed to meet your needs, whether you're looking for personal banking options like checking and savings accounts or specialized loans such as auto financing. Our team is led by CEO Ralph Ruiz and Board President Peter Ciaramitaro, who bring years of experience and a passion for community service. Together, they guide our operations with a focus on transparency and member satisfaction. With 70 employees ready to assist you, we're here to help you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 7629, Long Beach, CA 90807. We invite you to explore how we can support your financial goals. Whether you're interested in opening an account or simply want more information about our services, feel free to reach out at 310-834-6411 or visit us online at ilwucu.org. Join us today and experience the difference of being part of the I.l.w.u. family!

Branch History & Mission

Community Commitment

We take pride in being an active member of the Long Beach community. Through partnerships with local organizations and outreach programs, we work tirelessly to support various initiatives aimed at improving the quality of life for all residents. We believe in giving back because when our community thrives, we all benefit. In addition to traditional banking services, we've embraced technology by offering online and mobile banking options that cater to the needs of today's consumers. Members can easily access their accounts or make transactions from anywhere, making banking more convenient than ever.

Join Us Today!

As we look toward the future, I.l.w.u. remains committed to its core values of integrity, service, and community enhancement. Whether you're looking for a new account or need assistance with loans and financing options, we invite you to join us at I.l.w.u. Experience firsthand how we can help you achieve your financial dreams while making a positive impact in Long Beach. For any inquiries or assistance, feel free to call us at 310-834-6411 or visit our website at ilwucu.org. Together, let's build a brighter future!

Our Mission

At I.l.w.u., our mission is clear: we strive to empower our members by providing accessible financial products that enhance their lives and strengthen our community. We believe that everyone deserves the opportunity to achieve their financial goals. That's why we focus on offering personalized services tailored to each member's unique needs. While members can visit us at our main location on Atlantic Avenue, official correspondence should be sent to P.O. Box 7629, Long Beach, CA 90807. Our friendly staff is always ready to assist you during our operating hours from 8:00 a.m. to 5:00 p.m., Monday through Friday.

Branch Location & Accessibility

Welcome to I.l.w.u., your friendly neighborhood credit union located at 3447 Atlantic Ave, Long Beach, CA 90807! Our branch is conveniently situated near local landmarks, making it easy for you to stop by whether you're running errands or just out for a stroll. We understand that accessibility is key, which is why our location features ADA-compliant ramps and ample parking to ensure all members can visit us comfortably. While you're here, you'll find a welcoming environment with operating hours that suit your busy lifestyle our lobby is open Monday through Friday from 8:00 a.m. to 5:00 p.m. If you need assistance outside of these hours, feel free to give us a call at 310-834-6411. Our friendly staff is always ready to help with any questions or services you may need. For your convenience, we also offer ATM services right on-site, allowing you to access your funds anytime. Although we currently do not have drive-thru banking, our team is here to provide personalized service that makes every visit worthwhile. If you're looking to send official correspondence, please note that our mailing address is P.O. Box 7629, Long Beach, CA 90807 just a short distance away from our main location. At I.l.w.u., we take pride in serving our community with a range of financial services designed to meet your needs from personal banking and auto loans to business banking solutions. We invite you to visit us today and experience the benefits of being part of our credit union family!

Member Eligibility

At I.l.w.u., we believe that everyone deserves to be part of a supportive community that prioritizes their financial well-being. Becoming a member is simple and welcoming! If you live, work, or worship in the Long Beach area, you're likely eligible to join our family. We aim to include as many individuals as possible, creating an environment where you can feel at home while accessing fantastic financial services tailored just for you. To learn more about the specific eligibility criteria, feel free to visit our website at http://www.ilwucu.org/membership . Once you're ready to take the next step, opening an account with us is straightforward and hassle-free. Just head over to http://www.ilwucu.org/loans/apply to get started on your journey with I.l.w.u. If you have any questions or need assistance, don't hesitate to give us a call at 310-834-6411. Our team is here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner by your side when it comes to processing payments. Our merchant services simplify transactions so you can focus on what you do best running your business. From credit card processing to online payment solutions, we help ensure that your cash flow remains steady and your customers have a positive experience. Located at 3447 Atlantic Ave Long Beach Ca 90807 in Long Beach, CA, we're here to empower your business journey. Connect with us at (310) 834-6411 or visit our website 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 $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $56,965, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility

We understand that managing finances should be straightforward. With basic ATM access for withdrawals and balance checks available at multiple locations, we've made it easier than ever for you to handle your banking needs. At I.l.w.u., we believe that great financial service should feel personal and accessible. Whether you're a long-time member or just considering joining us, we're here to support you every step of the way. If you'd like more information about any of our services or wish to get started today, please call us at (310) 834-6411 or visit us online at our website. Your financial journey begins here!

Loans and Credit Options

If you find yourself in need of quick cash for unexpected expenses or want to consolidate debt, our personal loans offer flexible solutions. Plus, don't forget about our credit cards with rewards, which provide added value with every purchase. For business owners, we also offer comprehensive business banking services, including merchant services and business loans tailored to help your enterprise thrive.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why at Long Beach, we prioritize easy access through our robust online and mobile banking platforms. You can manage your accounts on-the-go, pay bills, transfer funds, and check balances right from your smartphone or computer. Additionally, our ATM services allow for hassle-free cash withdrawals whenever you need them.

Personal Banking

Our personal banking services include checking and savings accounts designed for everyday use. Whether you're managing household expenses or saving for a special occasion, we have options that fit your lifestyle. Need a reliable way to finance your next car? Our auto loans and vehicle financing make purchasing a new or used vehicle easy and stress-free. For those looking to buy a home or refinance their existing mortgage, our mortgage loans and refinancing services can guide you through the process with competitive rates and personalized support.

Digital & Online Banking

Accessibility and Features

For those who prefer using their mobile devices, our mobile application provides all the features you need right at your fingertips. Whether you're making person-to-person transfers or setting up mobile payments, everything is streamlined for ease of use. And if you choose to go paperless, e-statements are readily available to help you manage your financial records efficiently. At I.l.w.u., we believe that banking should be straightforward and accessible for everyone. Our digital tools are designed to enhance your banking experience so that you can focus on what matters most your life!

Key Services

Our online banking service, available at https://www.ilwucu.org/ , allows you to check balances, pay bills, and transfer money with just a few clicks. Plus, enjoy the flexibility of 24/7 online banking services that keep you in control of your finances around the clock. Security is a top priority for us. With electronic signature authorization, you can sign documents safely from home, eliminating the need for paper forms. This not only saves time but also helps protect your information.

Financial Strength

Commitment to Operational Efficiency

Our $3,096,851 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 70 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts: 56,560, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $3,959,304. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, I.l.w.u. is your trusted partner. Visit us at 3447 Atlantic Ave Long Beach Ca 90807 or call (310) 834-6411 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $162,346,225 in share certificates and $59,783,719 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.

Reinvestment for Your Benefit

With $38,804,085 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $3,499 in used auto loans and $362,837,355 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Strong Financial Health

With a net worth of $44,661,158, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strong net worth reflects our commitment to ensuring that your money is safe with us. Our net worth ratio of $893 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, with over $61,123,697 in used vehicle loans and $66,634,806 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles that can fit any budget.

Business Loans

For business owners in our community, our outstanding commercial loans totaling $56,965 provide the capital needed to grow and expand your business. We are here to support local entrepreneurs as they build their dreams. At I.l.w.u., we're dedicated to making your borrowing experience straightforward and accessible. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, feel free to reach out. You can contact us at 310-834-6411 or visit us at 3447 Atlantic Ave Long Beach Ca 90807. 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 towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $58,801,018, make buying or refinancing simple. We guide you through the process to ensure you're comfortable every step of the way.

Unsecured Credit Card Loans

Managing finances effectively is essential. We also offer flexible terms on unsecured credit card loans, with a total of $20,414,850 in loans helping members navigate their expenses without stress.

Loan Aggregator

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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 guarantees that users receive fair and transparent offers when comparing loans.

I.L.W.U. FEDERAL CREDIT UNION - Long Beach, CA