Meriwest Credit Union San Jose CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Meriwest, your trusted financial partner located at 650 Harry Rd, San Jose, CA 95120. Established in 1961, we have proudly served our community for over six decades, building a solid foundation of trust and support for our members. With a robust membership of 79,531 individuals and total assets reaching an impressive $2,113,086,591, we are dedicated to providing exceptional financial services tailored to your needs. At Meriwest, we understand that financial well-being is not just about numbers; it's about the people behind them. That's why we offer a wide range of services from personal banking options like checking and savings accounts to auto loans and business banking solutions. Our commitment to you extends beyond transactions; we strive to foster a sense of community while ensuring your financial growth. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 530953, San Jose, CA 95153-5353. Under the leadership of CEO Lisa Pesta and Board President Arthur Jue, our team of 220 employees is here to assist you with personalized service and guidance every step of the way. We take pride in our member-centric approach and aim to empower you through financial education and resources. With total deposits amounting to $126,069,139 and a net worth of $193,309,189, our financial stability allows us to offer competitive rates on loans and savings products. Whether you're looking for an auto loan or planning your next investment, Meriwest is here to help you achieve your goals. Feel free to reach out to us at 877-637-4937 for any inquiries or assistance. We invite you to explore our website at Meriwest or stop by our branch today your journey toward better financial health starts here!

Branch History & Mission

Community Engagement

Our commitment extends beyond banking services; we believe in giving back to the communities we serve. Through various outreach programs and partnerships with local organizations, Meriwest contributes positively to the social fabric of San Jose. We aim to uplift those around us by supporting educational initiatives and community development projects. As we look toward the future, we invite you to join us on this journey. Experience firsthand the warmth of being part of a credit union that truly cares about its members and their success. Together, let's build a brighter future! For any questions or assistance, feel free to reach out to us at 877-637-4937. Explore all that Meriwest has to offer by visiting our website at Meriwest or take the first step towards membership by applying online here. Your journey towards financial empowerment begins today!

Our Mission

At Meriwest, our mission is clear: we strive to empower our members through accessible financial solutions while actively engaging with and supporting our local community. We offer a variety of services including personal banking checking and savings accounts as well as auto loans, mortgages, credit cards with rewards, and business banking options. Our goal is not just about transactions; it's about building relationships that last. We also understand the importance of embracing modern technology to enhance your banking experience. Our online and mobile banking options make it easy for you to manage your finances anytime, anywhere. Whether you prefer visiting us in person or using digital platforms like online banking or mobile apps, we are here to meet your needs.

Branch Location & Accessibility

Accessibility and Parking

At Meriwest, we prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps to ensure everyone can access our services with ease. Ample parking is available right outside the branch, so you won't have to worry about finding a spot when you arrive.

Operating Hours

Currently, we want to inform you that this location is temporarily closed until further notice. We understand how important it is to have access to banking services and appreciate your understanding during this time. When we reopen, our friendly team will be here ready to assist you during our operating hours.

Services Offered

When we are open, Meriwest offers a variety of personal banking services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, enjoy the convenience of basic ATM access for cash withdrawals and balance checks whenever you need them. If you have any questions or would like more information about our services or membership options, feel free to give us a call at 877-637-4937. We look forward to serving you soon!

Member Eligibility

At Meriwest, we believe that becoming a member is like joining a close-knit family where everyone looks out for one another. If you're interested in joining us, you'll find that eligibility is quite straightforward! We welcome individuals who live, work, worship, or attend school in our community. This means that if you're part of the vibrant life here at 650 Harry Rd San Jose Ca 95120, you're likely eligible to join our credit union. Membership comes with many perks, including access to personalized financial services tailored to your needs, competitive rates on loans and savings accounts, and a supportive community committed to your financial well-being. To get started on your membership journey, simply visit our website or give us a call at (877) 637-4937. You can find detailed eligibility criteria and keep up with any updates by checking out this link: . When you're ready to open an account, it's as easy as clicking here: https://www.mymeriwest.com/dbank/live/app/register. We can't wait to welcome you into the Meriwest family!

Business Banking & Commercial Services

Commercial 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

In addition to loans, our merchant services are crafted to simplify transactions for your business. Imagine having the ability to accept payments seamlessly while keeping track of sales effortlessly. Our tools help streamline operations so you can focus on what matters most growing your business. Visit us at 650 Harry Rd San Jose Ca 95120 in San Jose, CA or call us at (877) 637-4937 to learn how we can partner with you on your journey to success!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll find that we offer robust solutions through our Business Banking services. From Merchant Services that streamline transactions to flexible Business Loans tailored to support your growth, we're here to help your business thrive.

Digital Convenience

In today's fast-paced world, convenience matters. That's why we have invested in top-notch Online & Mobile Banking features, allowing you to access your accounts anytime and anywhere. Our platform includes easy-to-use tools for managing transactions and monitoring account activity right from your phone or computer. Plus, with ATM & Cash Withdrawal Services, you can easily access cash whenever you need it.

Member Support

Need assistance? We are just a call away! Reach out to us at (877) 637-4937 for any questions or support regarding our services. At Meriwest, we're committed to making banking simple and accessible for everyone. Whether you're looking for personal finance solutions or business support, we have the tools and expertise to help you succeed. Don't hesitate explore all that we offer by visiting us online or getting in touch today!

Personal Banking

Whether you're opening your first checking account or looking for ways to save, our Personal Banking services are tailored just for you. We offer competitive Checking & Savings Accounts that help you manage your money effectively. If you're considering a vehicle purchase, our Auto Loans & Vehicle Financing options make it simple and affordable to get behind the wheel of your dream car. Homeownership is within reach with our Mortgage Loans & Refinancing services, which guide you through the home buying process or help lower your current mortgage payments. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation products can provide the financial relief you need. Plus, enjoy rewards on purchases with our Credit Cards with Rewards, making every dollar spent work for you.

Digital & Online Banking

Key Services

Whether you need to check your balance, transfer funds, or pay bills, our user-friendly online banking service allows you to do it all from the comfort of your home or on the go. For those busy moments when you need to send money quickly, our person-to-person transfer feature lets you send cash to friends or family with just a few clicks.

Real-Time Management

With our services, you're always in control of your finances. Check balances, view transaction history, and even set up alerts all in real-time! No more waiting for monthly statements; everything is updated instantly so you can make informed decisions about your money. Join us at Meriwest today and experience how digital banking can simplify your life while keeping your information safe and secure!

Security and Accessibility

Security is a top priority at Meriwest. We offer electronic signature authorization for added peace of mind when conducting transactions. Plus, e-statements are available, making it easy to keep track of your account without the clutter of paper statements. Our mobile application further enhances accessibility, allowing you to manage your accounts anytime and anywhere.

Financial Strength

At Meriwest, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our robust financial performance, which reflects our commitment to you, our valued members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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 solid financial standing is further supported by $169,175,839 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $7,715 in used auto loans and $1,638,630,843 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 219 full-time employees and 1 part-time employees ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 109,263, showing a strong and growing member base that trusts us with their finances. 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 650 Harry Rd San Jose Ca 95120 or call (877) 637-4937 to learn more about how we can help you achieve your financial goals.

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. We know that having reliable transportation is vital, and our flexible terms make it easier for you to secure the financing you need.

Business Financing

For business owners, our outstanding commercial loans totaling $153,397,960 provide the capital needed to grow and expand your business. We aim to support local businesses by offering competitive rates and tailored solutions.

Credit Lines and Personal Loans

Our credit line offerings are also noteworthy, with total credit lines reaching $703,382,443. This flexibility allows you to access funds when you need them most, whether it's for unexpected expenses or planned purchases. We also provide unsecured credit card loans with a total of $0 available. These cards come with flexible terms designed to help you manage your finances effectively without the burden of collateral.

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is ready to guide you through the process.

Refinancing Options

If you're considering refinancing any of your current loans, we have options available that could save you money in the long run. Our loan specialists can assess your situation and help determine what might work best for you. With our wide array of loan products at Meriwest, located at 650 Harry Rd San Jose Ca 95120, in San Jose, CA, we are here to assist you every step of the way. For inquiries or to learn more about our offerings, feel free to call us at (877) 637-4937. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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Meriwest