Members 1st Credit Union Redding CA | Top Checking & Auto Loans

Introduction

Welcome to Members 1st, your trusted partner in financial services right here in Redding, CA. Located at 1380 Hilltop Dr, Redding, CA 96003, we have been dedicated to serving our community since 1936. With a strong commitment to our members and a total membership of 23,946, we pride ourselves on being more than just a credit union; we are a cornerstone of the community. Our financial health is reflected in our impressive total assets of $336,159,839 and robust total deposits amounting to $50,516,344. This strength allows us to provide you with a variety of services tailored to your needs, including auto loans, personal loans, mortgage financing, and credit cards with rewards. We're here to help you achieve your financial goals. At Members 1st, we understand the importance of local connections. Our team is led by CEO Caroline Redmann and Board President Ken Reed, both deeply committed to ensuring that our members receive personalized service. With a team of 61 employees, we strive to make your banking experience smooth and enjoyable. While members can visit us at 1380 Hilltop Dr, official correspondence should be sent to our mailing address: PO BOX 492395, Redding, CA 96049-2395. If you have any questions or need assistance, don't hesitate to reach out at 530-222-6060. We invite you to explore what we offer at Members 1st. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Commitment to Community

At Members 1st, we believe in giving back. Our initiatives extend beyond financial services; we engage with various local organizations and charities to support those in need. By working together with community partners, we aim to make a meaningful impact on the lives of our members and neighbors alike. Our branch operates Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 5:30 PM. Whether you visit us for advice or simply need assistance with your account, you will find friendly faces ready to help.

Join Us

As we continue this journey of growth and service since our inception nearly nine decades ago, we invite you to become part of the Members 1st family. Experience firsthand how we prioritize your financial health while contributing positively to our vibrant community. Together, let's build a brighter future!

Modern Banking Services

In today's digital world, we've embraced technology while ensuring that all members can access our services easily. With features like online banking, mobile payments, and electronic statements available, managing your finances has never been easier or more convenient. Plus, our ATM availability ensures you can access cash when you need it. While members can visit us at 1380 Hilltop Dr Redding Ca 96003, official correspondence should be sent to PO BOX 492395, Redding, CA 96049-2395. If you have questions or need assistance, don't hesitate to call us at 530-222-6060.

Our Story

Members 1st started as a small initiative aimed at providing affordable financial services to local residents. Over the decades, we have evolved significantly while staying true to our founding principles of trust and community service. From humble beginnings, our credit union has expanded its offerings to include personal banking services like checking and savings accounts, auto loans, mortgages, and more. We understand that banking is about more than just transactions; it's about building relationships. Our mission is simple yet powerful: to empower our members through accessible financial solutions while actively supporting our community. We strive to create an environment where everyone feels welcome and valued.

Branch Location & Accessibility

Accessibility Features

We pride ourselves on being accessible to all members of our community. Our branch is ADA compliant and features ramps to ensure everyone can visit us without any hassle. We offer ample parking space right outside, making your visit as smooth as possible.

Operating Hours & Services

Our doors are open Monday through Thursday from 9:00 AM to 5:00 PM and on Friday until 5:30 PM. Whether you're looking to open a checking account, explore auto loans, or inquire about mortgage refinancing, our friendly team is here to assist you during these hours. With ATM availability on-site, you can also take care of quick transactions like withdrawals or balance checks anytime. While we don't have a drive-thru service available at this location, our staff is ready and eager to help you inside the branch. We also do not operate a shared service center here but rest assured that we provide comprehensive personal banking services tailored to meet your needs. If you'd like to learn more about what we offer or have questions before your visit, feel free to give us a call at 530-222-6060. We look forward to welcoming you at Members 1st Redding Hilltop Branch!

Member Eligibility

Joining the Members 1st community means becoming part of a caring and supportive network dedicated to helping you achieve your financial goals. If you're wondering about eligibility, it's quite simple! Anyone who lives, works, worships, or attends school in Shasta County can become a member. This inclusivity reflects our commitment to serving the local community and ensuring that everyone has access to our range of personalized banking services. Being a member at Members 1st not only provides you with competitive rates on loans and savings but also connects you to a family-like atmosphere where your financial well-being is our priority. For more detailed information about eligibility criteria, feel free to check out this resource. If you're ready to open an account, just give us a call at (530) 222-6060, and we'll guide you through the easy process! You can find us at 1380 Hilltop Dr Redding Ca 96003, where we look forward to welcoming you into the Members 1st family.

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

Imagine being able to accept payments easily from your customers, whether they're using credit cards, mobile wallets, or online payment systems. Our merchant services simplify transactions so you can focus on what matters most running your business. With reliable processing solutions, you'll enhance customer satisfaction and streamline your operations. Located at 1380 Hilltop Dr Redding Ca 96003 in Redding, CA, we invite you to explore how our business banking options can empower your enterprise. Reach out to us at (530) 222-6060 or visit our website here to learn more about how we can support your goals!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer essential services like merchant services and business loans to help you grow and manage your enterprise effectively. Whether you're starting a new venture or expanding an existing one, we're here to provide the financial support you need.

Convenient Access Anytime

We know that convenience matters in today's fast-paced world. That's why we offer ATM services that allow for easy cash withdrawals and balance checks whenever you need them. And if you prefer managing your finances from home or on-the-go, our robust online and mobile banking features give you control right at your fingertips. At Members 1st in Redding, CA, we believe in making banking simple and accessible for everyone. If you have questions or need assistance choosing the right service for you, don't hesitate to reach out! Call us at 530-222-6060 or visit us during our lobby hours: Monday through Thursday from 9:00 am to 5:00 pm and Friday until 5:30 pm. Join us at Members 1st today where your financial journey meets personalized service!

Personal Banking Solutions

When it comes to personal banking, we understand that everyone has different goals. Our checking and savings accounts are designed with flexibility in mind, allowing you to manage your funds easily. Imagine having the ability to access your account anytime through our online and mobile banking platforms. You can pay bills, transfer money, and check balances with just a few taps on your smartphone. If you're considering purchasing a vehicle or refinancing an existing loan, our auto loans and vehicle financing options offer competitive rates to suit your budget. We also provide mortgage loans and refinancing solutions for those looking to buy a new home or save on their current mortgage payments. For unexpected expenses or consolidating debt, our personal loans can be a lifesaver. Plus, our credit cards with rewards allow you to earn points on everyday purchases, making every swipe count towards future rewards.

Digital & Online Banking

Key Features

Our online banking experience is user-friendly and secure. You can authorize transactions with electronic signatures, allowing you to complete necessary paperwork without the hassle of printing or mailing documents. Plus, you'll have access to e-statements, so keeping track of your financial activity is easier than ever no need to sift through piles of paper! For those who prefer banking on their mobile devices, our mobile application makes it even more convenient. With just a few taps, you can manage your accounts, make payments, and even send money directly to friends or family with our person-to-person transfer feature. Whether you're grabbing coffee or waiting for an appointment, handling your finances has never been simpler.

Security Matters

We prioritize your security while using our digital services. All transactions are protected with advanced encryption technology to keep your personal information safe. You can bank with peace of mind knowing that we take every precaution necessary to protect your data. At Members 1st, we believe that managing your money should be as easy as possible. From mobile payments to real-time account management, our digital banking tools are designed to fit seamlessly into your life. Experience the freedom and flexibility of modern banking today!

Financial Strength

Member Savings Security

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.

Operational Efficiency

Our operational efficiency shines through with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. 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 and committed team.

Reinvestment for Growth

With $26,982,737 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our capacity to support your financial goals is reflected in our robust lending portfolio: with 3,841 used auto loans totaling $234,040,097 across all loans and leases.

Solid Financial Position

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.

Strong Member Base

Total Share Accounts: 47,646 show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $0, reflecting our commitment to using resources effectively for the benefit of our members. 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 1380 Hilltop Dr Redding Ca 96003 or call 530-222-6060 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Options

In addition to these popular products, we provide credit lines totaling $51,892,529 for those who need extra flexibility in managing their expenses. Our team is here to discuss how each option can work best for your financial journey. To learn more about our loan offerings or to apply today, give us a call at 530-222-6060 or visit us at our branch located at 1380 Hilltop Dr Redding Ca 96003. We are ready to assist you during our operating hours: Monday - Thursday from 9:00 am to 5:00 pm and Friday from 9:00 am to 5:30 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. At Members 1st, we're dedicated to providing transparent and accessible financial solutions tailored just for you.

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 interested in financing a brand-new model or a reliable used vehicle, we have options that make it easy for you to drive away with confidence.

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 are committed to guiding you through the process every step of the way. Plus, if you're considering refinancing an existing loan, we can discuss eligibility options that may benefit you.

Unsecured Credit Card Loans

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 rewards and benefits designed to enhance your purchasing power while keeping your budget in check.

Loan Aggregator

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 ensures that all loan offers are fair and transparent, giving users peace of mind as they make important financial decisions.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information presented reflects actual lending conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This commitment to neutrality means users see the best options available without hidden agendas. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. With access to current data, borrowers can act confidently when selecting a loan that fits their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective the platform can be in securing favorable loan terms. 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.

MEMBERS 1ST CREDIT UNION