ILWU Credit Union San Francisco CA | Affordable Auto Loans & Personal Banking

Introduction

Welcome to I.L.W.U., your trusted financial partner nestled in the heart of San Francisco, CA. Located at 400 N Point St, San Francisco, CA 94133, we have proudly served our community since 1972, establishing a legacy of support and trust. With a total membership of over 27,000 individuals, we are dedicated to ensuring that our members' financial needs are met with care and professionalism. At I.L.W.U., we believe in the power of community. Our total assets exceed $517 million, and our commitment to responsible lending is evident with a robust portfolio that includes over 16,500 loans. Whether you're looking for personal banking solutions, auto loans, or business financing options, our diverse range of services is designed to cater to all your financial goals. While you can reach us directly at 415-346-0149 for any inquiries or assistance, please note that official correspondence should be sent to our mailing address at 400 N Point St, San Francisco, CA 94133. Our leadership team, led by CEO Ralph Ruiz and Board President Peter Ciaramitaro, ensures that we remain focused on our mission: providing exceptional service while maintaining financial strength. With a net worth of approximately $44.7 million and over $27 million in deposits from our members, you can trust that your finances are in safe hands. Join us as we continue to make a positive impact in the community. We invite you to visit us or explore more about our offerings at www.ilwucu.org. Your journey towards financial well-being starts here!

Branch History & Mission

Welcome to the I.L.W.U. branch in San Francisco, California, where our rich history and commitment to community come together to create a vibrant financial hub. Established in 1972, I.L.W.U. has been a steadfast partner for our members for over five decades, evolving to meet their changing needs while remaining deeply rooted in our mission to support the community. Located at 400 N Point St, San Francisco, CA 94133, our branch is nestled near iconic landmarks that reflect the spirit of this vibrant city. With a total membership of 27,318 and assets exceeding $517 million, we have grown alongside our members, providing them with essential banking services that empower them financially. Our mission at I.L.W.U. is simple yet powerful: we aim to provide accessible financial services while fostering a sense of belonging within our community. We believe that everyone deserves the opportunity to achieve their financial goals. Whether it's through personal banking options like checking and savings accounts or loans tailored for vehicles and homes, we strive to make banking straightforward and supportive. As part of our dedication to customer service, we offer operating hours from 9 AM to 3 PM on Mondays and Fridays, ensuring that you can connect with us when it's convenient for you. While there are no ATMs or drive-thru services at this location, our friendly staff is always ready to assist you with your banking needs inside the branch. In addition to traditional banking services, we embrace digital advancements that make managing your finances easier than ever. Our online banking platform allows members to access their accounts anytime, anywhere perfect for those on the go! We also prioritize accessibility by adhering to ADA compliance standards. Community outreach is at the heart of what we do. We regularly engage in partnerships and programs that uplift those around us. Our involvement in local initiatives showcases our commitment not only as a financial institution but as a pillar of support for all members of San Francisco. While members can visit us at 400 N Point St, official correspondence should be sent to the same address. If you're looking for a credit union that prioritizes you and your community, I.L.W.U. invites you to join us today. Experience firsthand how we can help you thrive financially and feel connected within your community. For more information about membership or services offered, please visit our website at ilwucu.org or call us at 415-346-0149. Join us on this journey towards financial empowerment!

Branch Location & Accessibility

Welcome to I.l.w.u., your friendly neighborhood credit union located at 400 N Point St, San Francisco, CA 94133. We are proud to serve the vibrant community of San Francisco County, providing accessible financial services tailored just for you. Our location is easy to find, nestled near local landmarks that make it convenient for our members to visit. While members can visit us at 400 N Point St, official correspondence should be sent to the same address. You'll appreciate our focus on accessibility with features designed for everyone, including ADA-compliant entrances and nearby parking options to ensure a hassle-free experience. We understand how busy life can get, which is why we're here for you from 9 AM to 3 PM on Mondays and Fridays. Whether you need assistance with personal banking, auto loans, or anything in between, our dedicated team is ready to help. Unfortunately, we don't have ATM services or drive-thru banking available at this branch, but our staff is always on hand to assist you directly. Feel free to give us a call at 415-346-0149 if you have any questions or need further assistance before your visit. We invite you to stop by and discover how I.l.w.u. can support your financial journey!

Member Eligibility

Becoming a member of I.l.w.u. is like joining a caring family that puts your needs first. If you're looking to enjoy personalized financial services, you're in the right place! To be eligible for membership, you just need to meet a few simple criteria. Generally, anyone who lives, works, or worships in our community is welcome to join us. This means that whether you're a long-time resident or new to the area, we'd love to have you on board. To learn more about the specific eligibility details, check out our website at http://www.ilwucu.org/membership . Opening an account with us is straightforward and designed to fit seamlessly into your life. You can start your journey with just a few clicks online by visiting http://www.ilwucu.org/loans/apply or give us a call at (415) 346-0149 if you have any questions. We're excited to help you take this step towards better financial health and become part of our supportive community at I.l.w.u., located at 400 N Point St San Francisco Ca 94133.

Business Banking & Commercial Services

Merchant Services Made Simple

Imagine running your business smoothly with reliable payment processing. Our merchant services help you accept payments easily, whether it's via card or mobile payment options. This convenience not only enhances customer satisfaction but also simplifies your daily operations. At I.l.w.u., we're dedicated to being more than just a bank; we're your partner in success. Let us help you achieve your business dreams! For more information or to get started, call us at (415) 346-0149.

Supporting Your Growth

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 and Support

While we don't have ATMs or drive-thru services at our branch located at 400 N Point St, San Francisco, CA 94133, our friendly staff is always ready to assist during lobby hours from 9 AM to 3 PM on Mondays and Fridays. If you have questions or need support, don't hesitate to give us a call at 415-346-0149. Our commitment is not just about providing services; it's about creating meaningful relationships with our members and helping them achieve their financial goals. Whether you're looking for personal banking solutions or need assistance with business financing, I.l.w.u. is here for you. Ready to take the next step? Visit us today or check out our website at ilwucu.org for more information about how we can assist you!

Business Banking Solutions

We know that running a business comes with its own set of challenges, which is why our business banking services are designed to make things easier for entrepreneurs. From merchant services that simplify payment processing to business loans that can help fund your next big project, we're here to support your vision.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why at I.l.w.u., we offer robust online and mobile banking features. You can manage your accounts from your smartphone, pay bills, transfer money between accounts, or even send money directly to friends through person-to-person services all at the touch of a button.

Personal Banking Services

Managing your money should be simple and stress-free. That's why we offer various personal banking services like checking and savings accounts that can help you keep track of your day-to-day expenses while also saving for the future. Imagine having an account that not only helps you save but also offers easy online access to monitor your balance anytime, anywhere. When it comes to financing, our auto loans and vehicle financing options make purchasing a car more accessible than ever. Picture driving off in your dream car with manageable monthly payments tailored just for you. We also provide mortgage loans and refinancing options so that homeownership is within reach. You can trust us to guide you through the process, ensuring you understand every step. For those unexpected moments when cash is tight, our personal loans and debt consolidation services can help alleviate financial stress by offering flexible repayment plans. Plus, with our credit cards featuring rewards programs, you can earn points on everyday purchases that turn into exciting perks down the line.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to access your accounts whenever it suits you. Whether you're checking your balance, making transfers, or paying bills, everything is just a few clicks away. Plus, with our electronic signature authorization feature, signing documents has never been easier or more secure.

Mobile Convenience

For those who prefer managing their finances on a smartphone, our mobile application is available for download, making banking even more accessible. You can also enjoy mobile payments, letting you make purchases directly from your phone without the hassle of cash or cards. Need to send money to a friend? Our person-to-person transfer feature makes it quick and simple.

Secure Access

We prioritize your security with state-of-the-art measures to keep your information safe. You can rest assured knowing that your transactions are protected while you enjoy the ease of e-statements, which help you stay organized without the clutter of paper statements. With all these features at your fingertips, managing your finances has never been easier. Experience the convenience of digital banking with I.l.w.u. today!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 56,560, showing a strong and growing member base that trusts us with their finances. 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 400 N Point St San Francisco Ca 94133 or call (415) 346-0149 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.

Member-Centric Savings Options

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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $3,096,851, 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.

Reinvestment for Growth

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. Our lending capacity supports your financial goals with $3,499 in used auto loans and $362,837,355 in total loans and leases.

Strong Financial Health

With a net worth of $44,661,158, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. 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. Whether you're considering a brand-new model or a reliable used option, we have financing solutions that make the process straightforward and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $56,965 provide the capital needed to grow and expand. We support local businesses by offering accessible financing options tailored to their specific needs. At I.l.w.u., we are committed to providing our members with valuable resources and financial education. If you're interested in exploring refinancing options or determining eligibility for any of our products, please don't hesitate to reach out. You can contact us at (415) 346-0149 or visit us at 400 N Point St, San Francisco, CA 94133. For more information about our services or to apply for a loan online, please visit our website. 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 navigate your financial journey today!

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 provide guidance through each step of the mortgage process so you can feel confident in your investment.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $20,414,850 in loans helping members manage their finances effectively. These cards provide access to funds when you need them most without tying up your savings.

Loan Aggregator

Benefits of Using LendMesh

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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 means that every loan offer you see is fair and transparent, allowing you to make informed decisions without the fear of hidden fees or misleading information.

I.L.W.U. FEDERAL CREDIT UNION