Kaiperm Credit Union Walnut Creek CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Kaiperm, your trusted financial partner located at 325 N Wiget Ln Ste 130, Walnut Creek, CA 94598. Since our establishment in 1957, we have proudly served our community with dedication and care, fostering a welcoming environment for all our members. With over 7,283 members and assets totaling $115,791,932, we are committed to providing personalized banking solutions that meet your needs. At Kaiperm, we offer a variety of services tailored to enhance your financial journey. Whether you're looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards, our goal is to empower you with the right tools for success. As a community-focused credit union, we take pride in our strong financial foundation, reflected in our total deposits of $8,397,463 and net worth of $9,816,346. Our CEO, Kramer Chan, along with Board President Darren Nielson, leads our team of dedicated employees who are always ready to assist you. With 16 staff members working tirelessly to ensure your banking experience is seamless and enjoyable, you can trust that your financial well-being is in good hands. If you need assistance or want to learn more about what we offer, feel free to reach out at (925) 939-5626 or visit us online at kaipermcu.org. While members can visit us at our branch for support and transactions, any official correspondence should be sent to the same address. Discover how Kaiperm can help you achieve your financial goals today!

Branch History & Mission

A Commitment to Innovation

In today's fast-paced world, we embrace digital advancements to enhance your banking experience. Our online and mobile banking platforms allow members to manage their finances anytime, anywhere. Whether it's accessing e-statements or making mobile payments, we prioritize convenience while ensuring ADA compliance for all our services.

Join Us Today!

While you can visit us at 325 N Wiget Ln Ste 130, official correspondence should be directed to 325 N Wiget Ln Ste130, Walnut Creek, CA 94598-2435 if necessary. Our operating hours are designed to accommodate your busy schedule: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 4:30 PM; Wednesday from 9 AM to 4 PM. With an ATM available for easy access and no drive-thru service currently offered, we encourage you to reach out at 925-939-5626 for any questions or assistance. Discover the difference of member-focused banking by joining Kaiperm today! Visit us online at www.kaipermcu.org for more information on how you can become part of our family-oriented community.

Our Mission

Our mission is straightforward: to empower our members with reliable financial services while fostering community growth. At Kaiperm, we focus on personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. But beyond numbers and services, we aim to create a supportive environment where everyone feels valued. We actively engage with our community through outreach programs and partnerships that address local needs. From financial education workshops to charitable contributions, we strive to make a positive impact in Walnut Creek and surrounding areas.

Branch Location & Accessibility

Accessibility and Parking

Our location offers ample parking with ADA-compliant accessibility features, ensuring everyone can visit us comfortably. You'll find ramps and designated spots that make entering our branch easy for all members.

Get in Touch!

If you have questions or need assistance before your visit, feel free to give us a call at 925-939-5626. We look forward to welcoming you into our Kaiperm family! Whether you're a current member or considering joining us, stop by today and see how we can help you achieve your financial goals.

Operating Hours

We're here to serve you during our inviting lobby hours: from 8:30 AM to 4:30 PM on Monday, Tuesday, Thursday, and Friday. On Wednesdays, we open slightly later at 9 AM and close at 4 PM. Our friendly staff is eager to assist you with any inquiries or services you may need.

Services Offered

At Kaiperm, we pride ourselves on offering a wide range of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. You can also take advantage of our ATM services available right at the branch for quick cash withdrawals or balance checks. While members can visit us at 325 N Wiget Ln Ste 130, official correspondence should be sent to our mailing address at 325 N Wiget Ln Ste 130, Walnut Creek, CA 94598-2435 if it's different from the branch address.

Member Eligibility

Becoming a member of Kaiperm feels like joining a warm and welcoming community where your financial needs are truly understood. If you live, work, or worship in the area or have family ties to our existing members, you're likely eligible to join us! Our membership is designed to be inclusive, making it easy for people from all walks of life to benefit from the services we offer. Whether you're looking for checking accounts, auto loans, or other personal finance options, being part of Kaiperm opens doors to a range of advantages tailored just for you. To dive into more details about what makes you eligible for membership, feel free to check out our dedicated page at https://kdfcu-cloud.lending360.com/accountopening/application?continueapp=false&key=26ptmqpvjee%3d&membershipid=242#/thingsyouneed . Once you're ready to take the next step, opening an account is simple and straightforward just visit us online at https://mobicint.net/kai/autoenrollment/start , or give us a call at (925) 939-5626 if you have any questions. We can't wait to welcome you to Kaiperm, located at 325 N Wiget Ln Ste 130 Walnut Creek Ca 94598, where your financial journey begins with support and community!

Business Banking & Commercial Services

Financing Options for Growth

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.

Merchant Services that Work for You

Imagine being able to streamline your payment processes effortlessly. Our merchant services provide tools that allow you to accept payments easily, manage transactions smoothly, and enhance customer satisfaction. Whether you're a retail shop or a service provider, these solutions can help you focus on what you do best growing your business. Ready to take your business to the next level? Visit us at 325 N Wiget Ln Ste 130 Walnut Creek Ca 94598 or call us at (925) 939-5626 to learn more about how our business banking and commercial services can support your entrepreneurial journey!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our business banking services, including merchant services and business loans, are designed to support your entrepreneurial journey. Whether you need funds to start a new project or tools for day-to-day operations, we're here to help your business thrive.

Credit Card Rewards

For those looking to make everyday purchases more rewarding, our credit cards with rewards are an excellent choice. You can earn points on every purchase and redeem them for various benefits, turning routine spending into exciting opportunities.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. With access to your accounts anytime and anywhere through our mobile app, you can check balances, transfer funds, and even pay bills with just a few taps on your smartphone. Our ATM services allow easy cash withdrawals and balance checks whenever needed. At Kaiperm, we believe that managing your finances should be simple and straightforward. Our friendly staff is always ready to assist you in navigating through our wide range of services tailored just for you. For any questions or assistance, don't hesitate to reach out to us at 925-939-5626 or visit us online at www.kaipermcu.org. We invite you to experience the Kaiperm difference today!

Home Financing Options

If you're considering buying a home or refinancing an existing mortgage, our mortgage loans and refinancing services provide competitive rates and flexible terms. Picture yourself enjoying the comfort of your own home with a mortgage that aligns with your financial situation. Additionally, our personal loans and debt consolidation services can assist you in managing unexpected expenses or combining multiple debts into one manageable payment.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that help you manage your day-to-day finances while earning interest on your deposits. Imagine having an account that not only keeps your money safe but also allows you to reach your savings goals faster. We also offer auto loans and vehicle financing options tailored to fit your budget, making it easier for you to drive away in the car of your dreams.

Digital & Online Banking

Key Features

Our online platform is user-friendly and packed with features that enhance your banking experience. You can enjoy the convenience of e-statements, which allow you to access your account statements electronically no more waiting for paper statements in the mail! Plus, with electronic signature authorization, signing documents is quick and hassle-free. For those on the go, our mobile application makes banking even more accessible. You can make mobile payments easily, ensuring you never miss a beat when it comes to handling expenses. Need to send money to a friend? Our person-to-person transfer feature allows you to send funds securely with just a few taps.

Security and Accessibility

Your security is our top priority. Our online banking system employs robust security measures to protect your information while giving you peace of mind. With real-time account management, you can monitor transactions instantly and stay on top of your finances without any added stress. Whether you're at home or out and about, our digital banking services are designed to make your life easier. Visit us online at https://www.kaipermcu.org/ today to discover how Kaiperm can help you bank smarter!

Financial Strength

Commitment to Growth

With $8,104,026 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 across various sectors with $315 in used auto loans and $90,896,617 in total loans and leases.

Growing Trust

Total Share Accounts: 13,128, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kaiperm is your trusted partner. Visit us at 325 N Wiget Ln Ste 130 Walnut Creek Ca 94598 or call (925) 939-5626 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 Approach

Members' savings are secured through $41,228,932 in share certificates and $15,378,314 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $-9,405, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 16 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $9,816,346, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $848 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 $4,679,295 in used vehicle loans and $10,549,978 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new vehicle or a reliable used option, our financing solutions can make your purchase more affordable.

Credit Lines and Unsecured Loans

Need extra cash for unexpected expenses or projects? Our total credit lines of $8,809,690 provide the flexibility you need for any situation. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $1,547,186 in loans helping members manage their finances effectively. This way, you can enjoy peace of mind knowing that you have access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,177,094, make buying or refinancing simple. We offer flexible terms to fit your budget and lifestyle, whether you're a first-time homebuyer or looking to refinance your current mortgage.

Refinancing Options

If you're considering refinancing your existing loans for better rates or terms, we have options available. It's worth exploring how refinancing can help you save money or adjust your payments to better suit your current financial situation. At Kaiperm, our dedicated team is always ready to assist you with any questions about our loan offerings. You can reach us at (925) 939-5626 during business hours: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 4:30 PM; Wednesday from 9 AM to 4 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to support your financial journey every step of the way!

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data 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 to compliance guarantees fair and transparent offers for users. One of the standout features of LendMesh is its focus on verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh operates without sponsored listings; it does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that help users make informed decisions. With real-time rate comparisons, LendMesh keeps its users updated with up-to-date loan rates from multiple institutions. This way, individuals can easily assess their options and choose the best deal available. Thousands of users trust LendMesh for 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.

KAIPERM FEDERAL CREDIT UNION