LBS Financial Long Beach CA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Lbs Financial, your trusted partner in banking since 1935! Located at 6049 E 7Th St, Long Beach, CA 90840, our branch is dedicated to serving the financial needs of our community with a personal touch. With a membership of over 138,157 individuals and assets totaling an impressive $2,027,712,581, we pride ourselves on being a reliable resource for both personal and business banking. At Lbs Financial, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to fit various financial goals from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Our commitment extends beyond just providing financial products; we're here to build lasting relationships with our members. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 4860, Long Beach, CA 90804-0860. Under the leadership of CEO Sean Hardeman and Board President Jay Camerino, our team of 243 employees is dedicated to ensuring that you receive top-notch service every time you walk through our doors or reach out via phone at 800-527-3328. We maintain a strong net worth of $270,065,600 and manage a total deposit portfolio of $367,972,274, reflecting our stability and dedication to your financial well-being. Whether you're looking to take the first step in managing your finances or seeking guidance on complex loan options like our total loans amounting to 54,414 we're here for you every step of the way. Join us today at Lbs Financial and experience personalized banking designed with you in mind! Visit our website at Lbs Financial for more information or to get started on your account application. Your financial future starts here!

Branch History & Mission

At Lbs Financial, we are proud of our rich history and unwavering commitment to serving the community of Long Beach, California. Established in 1935, our branch has grown alongside our members, adapting to their needs and offering a broad range of financial services designed to empower individuals and families. With a total membership of over 138,000, we have become a trusted partner for many in our community. Located at 6049 E 7th St, our branch is easily accessible for those who want to visit us in person. Just a stone's throw from the LB State Bookstore, we are situated in the heart of Long Beach, making it convenient for students and locals alike to manage their banking needs. For any official correspondence, please reach out to us at PO Box 4860, Long Beach, CA 90804-0860. Our mission at Lbs Financial is clear: We strive to provide exceptional financial services that meet the diverse needs of our members while fostering a sense of community support. We believe that everyone deserves access to affordable banking solutions and the tools necessary for financial success. Whether it's personal banking, auto loans, mortgage services, or credit cards with rewards, we aim to serve with integrity and dedication. Since opening our doors nearly nine decades ago, we have achieved significant milestones that reflect our growth and commitment. Today, we proudly manage total assets exceeding $2 billion, demonstrating our stability and reliability as a financial institution. Our operating hours typically align with the LB State Bookstore hours Monday through Friday from 9 AM to 5 PM during the school term providing flexibility for our members. In addition to traditional banking services, we embrace technological advancements that enhance member experience. Our digital offerings include online banking and mobile payments, allowing members to manage their finances conveniently from anywhere. Moreover, we are committed to accessibility; all our facilities comply with ADA standards to ensure everyone can bank with ease. Lbs Financial is not just about transactions; it's about building relationships within our community. We actively engage in outreach efforts and partnerships that uplift local organizations and help those in need. Together with our members, we strive to make a positive impact on lives beyond just financial transactions. We invite you to join us at Lbs Financial experience firsthand how we can support your financial journey while being an integral part of the Long Beach community. Together, let's build a brighter financial future! If you have any questions or wish to learn more about becoming a member, feel free to give us a call at 800-527-3328 or visit us online at lbsfcu.org.

Branch Location & Accessibility

Accessibility and Features

At Lbs Financial, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and ample parking so that everyone can visit comfortably. We have convenient ATM services available on-site for quick cash withdrawals and balance checks. While we don't offer drive-thru banking at this location, our lobby is open to help with all your banking needs.

Operating Hours

We understand that life can be busy! That's why our operating hours typically align with those of the Long Beach State Bookstore: Monday through Friday from 9 AM to 5 PM during the school term. This schedule ensures that you can stop by at a time that suits you best.

Services Offered

Lbs Financial offers a wide range of services tailored to meet your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. Need assistance? Feel free to call us at 800-527-3328 or visit us in person to learn more about how we can help you reach your financial aspirations. We invite you to come see us today! Whether you're a long-time member or looking to join our community, we're excited to welcome you into the Lbs Financial family.

Member Eligibility

At Lbs Financial, we believe that becoming a member is more than just opening an account; it's about joining a community that cares. If you're interested in membership, you'll be pleased to know that eligibility is quite inclusive. Residents, employees, and students of certain organizations within the Long Beach area can become part of our family. This means if you work or study nearby, or even if you simply live here, there's a good chance you qualify! We are committed to providing our members with a range of benefits like competitive loan rates and personalized service. Ready to take the next step? Opening an account with us is straightforward and welcoming. You can find more information about eligibility by visiting this link for detailed criteria. When you're ready to join, simply follow the easy steps outlined at this account opening page. If you have any questions or need assistance, don't hesitate to give us a call at (800) 527-3328. We can't wait to welcome you to Lbs Financial at 6049 E 7Th St Long Beach Ca 90840!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner to help you process payments seamlessly. Our merchant services allow you to accept payments easily, whether in-store or online. This not only enhances customer satisfaction but also helps you manage your cash flow more effectively. At Lbs Financial, located at 6049 E 7Th St Long Beach Ca 90840 in Long Beach, CA, we prioritize your business's success. Let us help you write the next chapter of your business story! For more information, call us at (800) 527-3328 or visit our website here.

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

ATM & Cash Withdrawal Services

For those times when you need cash on the go, our ATM services are readily available. With basic access for withdrawals and balance checks, managing your cash flow has never been simpler. At Lbs Financial, located at 6049 E 7Th St Long Beach Ca 90840, we are dedicated to providing exceptional service and financial solutions tailored just for you. If you're ready to explore what we can do for you or if you have any questions about our offerings, don't hesitate to give us a call at (800) 527-3328. Let's work together towards achieving your financial goals!

Auto Loans & Vehicle Financing

Need a new car? Our auto loans and vehicle financing options are tailored to fit various budgets and preferences. We understand that purchasing a vehicle is a significant decision, so we offer flexible terms and competitive rates. Picture driving off in your dream car without the stress of complicated financing!

Business Banking

For our business-minded members, we offer comprehensive business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to provide the support you need to succeed.

Credit Cards with Rewards

Why not earn rewards while you spend? Our credit cards come with exciting reward programs that let you enjoy perks like cashback or travel points. It's like getting paid for shopping!

Mortgage Loans & Refinancing

Looking to buy a home or refinance your existing mortgage? Our mortgage loans come with personalized assistance to guide you through the process. We'll help you explore different loan options so you can find the one that suits your lifestyle. Imagine finally owning that cozy home you've always wanted!

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. You can manage your accounts, transfer funds, and pay bills from anywhere at any time making banking easier than ever.

Personal Banking

Our personal banking services start with checking and savings accounts that help you manage your finances effortlessly. Imagine opening an account that not only keeps your money safe but also helps it grow. With competitive interest rates and user-friendly online banking tools, accessing your funds is just a click away.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans provide a straightforward solution. We're committed to helping you regain control over your finances by offering favorable terms that make repayment manageable.

Digital & Online Banking

Key Services for Your Convenience

Our online banking service is available 24/7, making it simple for you to check balances, pay bills, and transfer funds whenever it suits you. Plus, our mobile application ensures that all these features are just a tap away on your smartphone. Whether you're at home or on the go, managing your money has never been more accessible. We also offer person-to-person transfers, allowing you to send money directly to friends or family with ease. No need for cash or checks just a few clicks and you're done! For those who prefer electronic methods, our electronic signature authorization makes signing documents quick and secure.

Stay Informed and Secure

Keeping track of your finances is essential, which is why we provide e-statements. These statements give you instant access to your account information while helping you reduce paper clutter. And rest assured that all your transactions are protected with top-notch security measures. With mobile payments enabled at Lbs Financial, you can make purchases seamlessly using your phone. It's fast, convenient, and safe a great way to handle everyday expenses without carrying cash or cards. In short, Lbs Financial is committed to delivering user-friendly digital banking solutions that empower our members to manage their finances effectively. Explore all the benefits of our online services today by visiting https://www.lbsfcu.org/. Your financial journey starts here!

Financial Strength

Growing Member Base

Total Share Accounts: 226,248, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,304,580. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lbs Financial is your trusted partner. Visit us at 6049 E 7Th St Long Beach Ca 90840 or call (800) 527-3328 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $6,576,079, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 229 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $261,536,875 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 with $15,936 in used auto loans and $1,054,204,552 in total loans and leases.

Secure Savings Options

Members' savings are secured through $612,433,859 in share certificates and $280,664,658 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.

Strong Financial Health

With a net worth of $270,065,600, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,331 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 $333,129,864 in used vehicle loans and $372,652,607 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, making it easier for you to drive away in a vehicle you love.

Credit Lines

If you need additional flexibility with your finances, consider our credit lines totaling $276,053,179. These can serve as a safety net for unexpected expenses or help you manage larger purchases without stress. For any questions regarding eligibility or refinancing options, feel free to reach out to us at (800) 527-3328. We're here to ensure that you have all the information needed to make informed decisions about your financial future. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at 6049 E 7Th St Long Beach Ca 90840 in Long Beach, CA, or check our website at https://www.lbsfcu.org/ for more details on our loan offerings!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $41,808,913, make buying or refinancing simple. We are committed to guiding you through the mortgage process with ease and clarity. Our team is here to assist you every step of the way, whether you're a first-time buyer or looking to refinance your current mortgage.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $14,018,865 in loans helping members manage their finances effectively. This can be an excellent option for those looking to build or improve their credit score while enjoying the benefits of rewards programs.

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 commitment to sourcing means that users can expect fair and transparent offers, free from misleading claims or hidden fees.

Lbs Financial