Meriwest Credit Union Palo Alto CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Meriwest, your trusted partner in financial well-being located at 3801 Miranda Ave, Palo Alto, CA 94304. Established in 1961, our credit union has grown into a vital resource for over 79,531 members, providing personalized banking solutions designed to help you achieve your financial goals. At Meriwest, we understand that every member's journey is unique. That's why we offer a variety of services, including checking and savings accounts, auto loans, mortgages, and business banking solutions. With total assets exceeding $2.11 billion and total deposits of $126,069,139, we are committed to ensuring your money is safe and working hard for you. Our dedicated team, led by CEO Lisa Pesta and Board President Arthur Jue, is here to guide you every step of the way. With 220 employees ready to assist you during our lobby hours Monday and Wednesday from 9:00 a.m. to 4:00 p.m., and Friday from 8:00 a.m. to 4:00 p.m. we're just a phone call away at 877-637-4937. While members can visit us at our branch location, please note that official correspondence should be sent to our mailing address: P.O. Box 530953, San Jose, CA 95153-5353. Join us today at Meriwest and experience the difference in community-focused banking. Explore our website at www.meriwest.com for more information or to open an account online! Your financial future starts here.

Branch History & Mission

Commitment to Excellence

We pride ourselves on providing top-notch service during our operating hours: Monday and Wednesday from 9:00 a.m. to 4:00 p.m., with special hours on Fridays starting at 8:00 a.m. Whether you need assistance with your personal finances or have inquiries about business banking solutions, our knowledgeable staff is here to help. As part of our ongoing commitment to accessibility, we ensure that our services meet ADA compliance standards so everyone can benefit from what we offer.

Join Us Today!

We invite you to become part of the Meriwest family! Experience firsthand how we can help you achieve your financial goals while making a difference in your community. Visit us today or call us at 877-637-4937 for more information about becoming a member. Together, let's build a brighter financial future!

Our Journey

From our humble beginnings, Meriwest has grown significantly, now serving a total membership of 79,531 members and managing assets exceeding $2.1 billion. Our journey reflects a commitment to providing personalized banking solutions while remaining deeply rooted in the needs of our members and the surrounding community. As we evolved, we embraced digital advancements to enhance our services, ensuring we remain accessible to all whether through online banking or mobile applications.

Our Mission

At Meriwest, our mission is clear: to empower our members with exceptional financial services while contributing positively to the communities we serve. We believe that financial health is key to personal well-being, which is why we offer a range of services including checking and savings accounts, auto loans, mortgages, and business banking solutions. Our focus goes beyond just transactions; we are dedicated to making an impact through community outreach initiatives and partnerships that uplift those around us. We strive to create an inclusive environment where every member feels valued and supported. While you can visit us at 3801 Miranda Ave, official correspondence should be directed to P.O. Box 530953, San Jose, CA 95153-5353 if needed. For your convenience, we offer ATM availability right at our branch location.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is essential for our members. Our branch is ADA compliant and equipped with ramps and other features to ensure everyone can enjoy our services without any hassle. Parking is available nearby, allowing for a smooth and convenient visit.

Operating Hours

At Meriwest, we strive to accommodate your schedule. Our lobby hours are open on Mondays and Wednesdays from 9:00 a.m. to 4:00 p.m., and on Fridays from 8:00 a.m. to 4:00 p.m. Please note that we are closed on Tuesdays, Thursdays, Saturdays, and Sundays. We appreciate your understanding and look forward to serving you during our open hours.

Services Offered

Our branch offers a variety of services tailored to support all your banking needs. From personal checking and savings accounts to auto loans and mortgages, we've got you covered! With ATM availability right at our location, accessing your funds has never been easier. If you have any questions or need assistance, feel free to give us a call at 877-637-4937. Our dedicated team is here to help you navigate your financial journey. We invite you to stop by Meriwest today! Experience the difference of community-focused banking where your needs come first.

Member Eligibility

At Meriwest, we believe that everyone deserves a chance to be part of a caring community. Becoming a member is simple and rewarding! If you're living, working, or attending school in the area, you're likely eligible to join us. We welcome individuals from all walks of life and offer a range of financial services designed to meet your needs. Plus, as a member, you'll enjoy exclusive benefits like lower loan rates and personalized service that puts you first. To check the specific eligibility criteria and ensure you meet the requirements, feel free to visit our detailed guide at . Ready to take the next step? Opening an account is easy just head over to https://www.mymeriwest.com/dbank/live/app/register or give us a call at (877) 637-4937 if you have any questions. Join us at our branch located at 3801 Miranda Ave Palo Alto Ca 94304, and experience the difference that being part of Meriwest can make!

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 $115 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $64 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $153,397,960, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments seamlessly while focusing on what you do best running your business. Our merchant services make this possible. With easy payment processing options, you can enhance your customer experience and streamline operations, allowing you to grow your bottom line without the hassle. Located conveniently at 3801 Miranda Ave Palo Alto Ca 94304, Palo Alto, CA 94304, we invite you to discover how Meriwest can be a partner in your success. Call us at (877) 637-4937 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, you'll find our Business Banking services equally beneficial. From essential Merchant Services to tailored Business Loans, we provide the tools necessary for your business's success.

Digital and Convenient Banking

In today's fast-paced world, convenience matters. That's why we emphasize our Online & Mobile Banking features, allowing you to manage your finances anytime and anywhere. You can easily access ATM and cash withdrawal services through our network, ensuring you always have access to your funds when you need them.

Financial Assistance

For those unexpected expenses or plans that need funding, our Personal Loans & Debt Consolidation solutions offer flexibility and support when you need it most. And don't forget about our rewarding Credit Cards with Rewards, designed to give you more for every purchase.

Get Started Today!

We invite you to visit us at 3801 Miranda Ave Palo Alto Ca 94304, or give us a call at (877) 637-4937 for more information on how we can assist you with all your financial needs. Our team is ready to guide you through our extensive services and help you make informed decisions about your financial future. Join us at Palo Alto Va Hospital, where your journey towards financial wellness begins!

Personal Banking Solutions

Starting with Personal Banking, we offer checking and savings accounts that fit your lifestyle. Imagine easily managing your daily expenses while saving for future goals; that's what our accounts provide. Need funds for a new vehicle? Our Auto Loans & Vehicle Financing options can help you get behind the wheel without breaking the bank. Plus, if you're considering homeownership, our Mortgage Loans & Refinancing services make it easier than ever to achieve that dream.

Digital & Online Banking

At Meriwest, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to keep you connected to your money anytime, anywhere. With our 24/7 Online Banking Services available at https://www.meritrustcu.org/home/home, you can access your accounts from the comfort of your home or on the go. Whether you're checking your balance, making transfers, or paying bills, everything is just a click away. Plus, for those who appreciate a more personal touch, our Person-to-Person Transfers make it simple to send money to friends and family without any hassle. Security is a top priority at Meriwest. We utilize Electronic Signature Authorization for secure transactions, ensuring that your sensitive information remains protected. You can also opt for E-Statements, which provide an eco-friendly way to manage your financial documents while keeping them safe from prying eyes. Our user-friendly Mobile Application allows you to bank wherever you are. Check balances, deposit checks, and monitor transactions all from your smartphone! While we currently don't offer mobile payments directly through the app, we are committed to providing features that simplify your banking experience. In this fast-paced world, being able to manage your finances in real-time is essential. That's why we have tailored our digital services to fit your lifestyle making banking not just accessible but also efficient. With Meriwest, you can enjoy peace of mind knowing that managing your money has never been easier or safer.

Financial Strength

A Committed Team

Our success is also driven by our people. We take pride in having 219 full-time employees and 1 part-time employees who are always ready to assist you with a knowledgeable, committed team.

Growing Together

As of now, we have 109,263 total share accounts, showing a strong and growing member base that trusts us with their finances. Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Meriwest is your trusted partner. Visit us at 3801 Miranda Ave Palo Alto Ca 94304 or call (877) 637-4937 to learn more about how we can help you achieve your financial goals.

Member Savings

Members' savings are secured through $543,090,834 in share certificates and $240,504,636 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $20,000,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $193,309,189, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $915 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting in You

With $169,175,839 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $7,715 in used auto loans and $1,638,630,843 in total loans and leases to support your financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $119,029,236 in used vehicle loans and $71,218,012 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 flexible options to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $153,397,960 provide the capital needed to grow and expand. We understand that every business has unique needs, and our team is here to help you find the right solution.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $282,395,718, make buying or refinancing simple. We offer competitive rates and personalized service to guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans, we can assist with that as well. Our experienced staff is ready to discuss eligibility options that may benefit your situation. At Meriwest, we prioritize your financial well-being and are committed to providing services that empower our members. For more information about our loan offerings or to start your application process, feel free to reach out at (877) 637-4937 or visit us at 3801 Miranda Ave Palo Alto Ca 94304 in Palo Alto, CA. Let us help you take the next step towards achieving your financial dreams!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This can be an excellent option if you're looking to consolidate debt or cover unexpected expenses without collateral.

Loan Aggregator

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Meriwest