Members 1st Credit Union Chico CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Members 1st, your trusted financial partner in the heart of Chico, California! Located at 969 East Ave, Chico, CA 95926, we have been serving our community since 1936. With over 23,946 members and a robust asset base of $336,159,839, we pride ourselves on being a credit union that truly understands and meets the needs of our members. At Members 1st, we believe in building strong relationships with our members. Our dedicated team of 61 employees, led by CEO Caroline Redmann and Board President Ken Reed, is committed to providing personalized service that you can rely on. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we are here to help you every step of the way. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: 4710 Mountain Lakes Blvd, Redding, CA 96003. Our commitment goes beyond just numbers; we strive to make a positive impact in our community. With total deposits amounting to $50,516,344 and an impressive net worth of $32,541,147, Members 1st is well-equipped to support your financial goals. We currently offer 11,345 loans and leases, demonstrating our dedication to helping members achieve their dreams. We invite you to explore the range of services we provide through our website at www.members1st.com. For any inquiries or assistance, feel free to reach us at (530) 222-6060 during our lobby hours: Monday to Thursday from 9:00 AM to 5:00 PM and Friday until 5:30 PM. Join us today and experience the difference that comes with being a part of Members 1st where your financial success is our priority!

Branch History & Mission

Commitment to Accessibility

Members 1st is committed to ensuring that all individuals can access our services easily. With ADA compliance measures in place and ATM availability right at your fingertips, we make banking straightforward for everyone. As we look ahead, we invite you to join the Members 1st family. Experience firsthand how we blend traditional values with modern convenience to create a supportive environment for your financial journey. Reach out today at 530-222-6060 or visit us online at members1st.com to learn more about how we can help you thrive financially!

Our Journey

Since opening our doors, Members 1st has continuously strived to provide accessible and affordable financial services. From humble beginnings, we have grown into a trusted institution with total assets amounting to an impressive $336 million. This growth reflects not just our financial stability but also the trust that our members place in us. Our branch is more than just a place for transactions; it's where relationships are built and dreams take flight. Over the years, we've expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgages, and business banking services. We embrace innovation with tools such as online and mobile banking to ensure convenience for all members.

Our Mission

At Members 1st, our mission is simple yet profound: to improve the lives of our members while fostering community growth. We believe in providing personalized financial solutions that empower individuals and families to achieve their goals. Whether it's buying a new home or managing everyday expenses, we are here to support you every step of the way. We also understand the importance of giving back. Our outreach initiatives focus on supporting local organizations and events that enhance the quality of life in Chico and beyond. By partnering with community groups, we strive to make a positive impact where it matters most. While you can visit us at our branch address in Chico, official correspondence should be directed to our mailing address at 4710 Mountain Lakes Blvd, Redding, CA 96003.

Branch Location & Accessibility

Convenient Access

At Members 1st, we understand that convenience is key. Our branch features ample parking spaces for your ease, and we are fully ADA compliant with accessibility ramps available to ensure that everyone can reach us comfortably. Although we don't offer drive-thru service, our lobby hours are designed to fit your schedule. You can visit us Monday through Thursday from 9:00 AM to 5:00 PM and on Fridays until 5:30 PM. If you need assistance or have questions about our services, feel free to give us a call at 530-222-6060. Our friendly team is always ready to help you!

Services Offered

When you step into our Chico East Branch, you'll discover a range of personal banking services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? We have an ATM on-site for your convenience, allowing you to make withdrawals or check your balance anytime during business hours. While members can visit us at 969 East Ave, official correspondence should be sent to our mailing address at 4710 Mountain Lakes Blvd, Redding, CA 96003 if needed.

Visit Us Today!

We invite you to stop by Members 1st at the Chico East Branch today! Experience firsthand how we can support your financial journey with personalized service and community focus. Come see us soon!

Member Eligibility

Becoming a member of Members 1st is like joining a close-knit family that truly cares about your financial well-being. If you live, work, or worship in the area surrounding 969 East Ave Chico Ca 95926, you are likely eligible to join us! We welcome individuals from diverse backgrounds and circumstances, making it easy for anyone to access our supportive services. At Members 1st, members enjoy a range of benefits, including personalized banking solutions and community-focused support that helps you achieve your financial goals. The process to become a member is straightforward and inclusive. Simply reach out to us at (530) 222-6060 or stop by our branch, where our friendly staff will guide you through the steps to open an account. For more detailed eligibility criteria, please check out our resource at . We look forward to having you as part of our growing community!

Business Banking & Commercial Services

Business 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 $2 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

In addition to loans, we offer practical merchant services that streamline payment processing for your business. Picture a retail store efficiently managing transactions with our easy-to-use point-of-sale systems. This not only enhances customer satisfaction but also boosts your bottom line. Discover how Members 1st at 969 East Ave Chico Ca 95926, Chico, CA can empower your business today! For inquiries, call us at (530) 222-6060.

Comprehensive List Of Services

Business Banking Services

For our local entrepreneurs, we have comprehensive Business Banking solutions that include merchant services and business loans aimed at helping your business thrive. Whether you're starting a new venture or looking to expand an existing one, we're equipped with the tools and knowledge to assist you every step of the way.

Credit Cards That Reward You

Don't forget about our Credit Cards with Rewards! They allow you to earn points on everyday purchases that can be redeemed for exciting rewards. It's a great way to make your spending work for you!

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime and anywhere. From making transfers to checking balances, everything is just a few taps away on our user-friendly app. Plus, with ATM access available for cash withdrawals and balance checks, you'll never be far from your money. At Members 1st in Chico, CA, we're committed to providing exceptional service and valuable financial solutions tailored just for you. If you'd like more information about any of our services or want assistance with anything else, please don't hesitate to reach out! Call us at 530-222-6060 or visit us online at members1st.com. Let's work together towards achieving your financial dreams!

Home Financing Made Easy

Looking to purchase a new home? Our Mortgage Loans & Refinancing services are designed with you in mind. We guide you through the entire process, helping you find the right loan that fits your budget and lifestyle. Refinancing your current mortgage with us can often lead to lower monthly payments, giving you more financial freedom.

Personal Banking Solutions

Starting with Personal Banking, we offer various options that include checking and savings accounts designed to help you manage your day-to-day finances effectively. Imagine having a checking account that not only meets your everyday needs but also offers competitive interest rates on savings. This is exactly what you can expect when you join us at Members 1st. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing services make it easier than ever to drive away in the car you've always wanted. With flexible terms and low rates, financing your next vehicle can be stress-free. We also understand that life can sometimes throw unexpected expenses your way, which is why our Personal Loans & Debt Consolidation options are crafted to provide the relief you need. Whether it's consolidating debt or funding a special project, we're here to help you achieve your goals without the burden of high-interest loans.

Digital & Online Banking

Convenient Online Banking

With our online banking platform, available at https://www.members1st.com/ , you can access your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, our user-friendly interface makes it simple. Plus, with 24/7 online banking services, you never have to worry about being tied down by business hours.

Eco-Friendly E-Statements

Say goodbye to paper clutter! With e-statements available, you can easily keep track of your finances while being kind to the environment. Review your statements anytime and anywhere without the hassle of filing away physical copies. In summary, Members 1st offers modern digital banking solutions that prioritize convenience and security. Join us today and experience how easy managing your finances can be!

Enhanced Security Features

Your security is our top priority. We provide electronic signature authorization, which allows you to sign documents safely from the comfort of your home. You can also feel confident knowing that all transactions are protected with advanced security measures.

Mobile Banking Made Easy

For those on the go, our mobile application provides everything you need right in your pocket. You can take advantage of features like mobile payments to make purchases quickly and securely. Plus, sending money to friends or family is a breeze with our person-to-person transfer option just a few taps on your smartphone!

Financial Strength

Commitment to Excellence

Our net income of $0 reflects our operational efficiency during this period as we focus on enhancing our service offerings for you. We also take pride in having 60 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

Total Share Accounts stand at 47,646, showing a strong and growing member base that trusts us with their finances. Our commitment to your success is unwavering. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Members 1st is your trusted partner. Visit us at 969 East Ave Chico Ca 95926 or call 530-222-6060 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $26,982,737 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 $38,730,566 in used auto loans and $234,040,097 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $73,147,205 in share certificates and $32,294,169 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.

Solid Financial Health

With a net worth of $32,541,147, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.03% 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 $73,730,566 in used vehicle loans and $60,201,725 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, we have flexible financing options tailored just for you.

Credit Lines

For those who need extra flexibility in their budgeting, our total credit lines amount to $51,892,529. These options can help you cover unexpected expenses or even fund larger purchases without the hassle of applying for multiple loans. If you are considering refinancing or would like to know more about eligibility options for any of our loan products, please reach out to us at 530-222-6060. Our friendly staff is available to answer your questions and guide you through the process. 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 committed to providing transparent and competitive lending solutions that empower our members on their financial journeys.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,901,913, make buying or refinancing simple. We understand that securing a mortgage is a significant step, and our team is ready to guide you through every stage of the process.

Unsecured Credit Card Loans

Managing daily expenses? We also offer flexible terms on unsecured credit card loans, with a total of $7,526,569 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards that can suit your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

One key advantage of LendMesh is its commitment to Verified Data. All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, there are No Sponsored Listings; LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the best available options. Moreover, LendMesh offers Real-Time Rate Comparisons. Users can access up-to-date loan rates from multiple institutions, enabling them to find the most competitive deals quickly and effectively. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the reliability and effectiveness of this tool. In conclusion, if you're looking to compare real-time loan offers efficiently and transparently, look no further than LendMesh. 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 approach guarantees that users receive fair and transparent offers. By focusing on verified institutions, LendMesh maintains a standard of accuracy that empowers users to make informed financial decisions.

MEMBERS 1ST CREDIT UNION