Meriwest Credit Union San Jose CA | Top Auto Loans & Business Banking

Introduction

Welcome to Meriwest, your trusted financial partner located at 5683 Cottle Rd, San Jose, CA 95123. Since our establishment in 1961, we have been dedicated to serving our community with a wide range of financial solutions tailored to meet your needs. With a total membership of over 79,531 individuals, we pride ourselves on being more than just a credit union; we're a community-focused organization committed to helping you achieve your financial goals. At Meriwest, we understand that every member is unique, which is why we offer personalized services such as checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our total assets amount to an impressive $2,113,086,591, reflecting our stability and commitment to secure financial management. Additionally, our total deposits stand at $126,069,139, showcasing the trust placed in us by our valued members. Our leadership team is here for you. Under the guidance of CEO Lisa Pesta and Board President Arthur Jue, we strive to maintain transparency and foster relationships built on trust. Our dedicated staff of 220 employees works tirelessly to ensure you receive the best service possible. While members can visit us at our branch for all their banking needs, official correspondence should be sent to PO Box 530953, San Jose, CA 95153-5353. If you have any questions or require assistance, don't hesitate to reach out at 877-637-4937. Discover how we can help you grow financially by visiting our website at Meriwest. Join us today in experiencing the difference of a community-driven credit union!

Branch History & Mission

Welcome to Meriwest, a credit union that has been a cornerstone of the San Jose community since 1961. Nestled at 5683 Cottle Rd, San Jose, CA 95123, our branch is more than just a financial institution; it is a place where members come together to support one another and build a brighter future. With over 79,531 members and total assets exceeding $2.11 billion, we are proud to serve our community with a commitment to financial empowerment. Meriwest began its journey with a simple mission: to provide accessible financial services to everyone in our community. Over the years, we have grown and evolved, adapting to the changing needs of our members while staying true to our core values. Our headquarters in San Jose, CA, allows us to stay connected with the heart of Silicon Valley, embracing technological advancements that make banking easier and more efficient for our members. Our mission goes beyond just offering banking products; it's about creating opportunities for our members to achieve their goals. We focus on personal banking services such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also cater to businesses with merchant services and business loans. Our dedication extends into the digital realm, offering online and mobile banking options for convenience. While you can visit us at our branch location on Cottle Road, official correspondence should be sent to PO Box 530953, San Jose, CA 95153-5353 if necessary. We are open during convenient hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 1:00 PM making it easy for you to connect with us when you need assistance. At Meriwest, we understand that accessibility is key. That's why we provide ATM availability right at our branch location. While we don't currently have drive-thru services or shared service centers, we prioritize ensuring that all members can access their funds easily and efficiently. Our commitment to community outreach is evident in everything we do. We partner with local organizations and initiatives aimed at improving lives in San Jose and beyond. By investing in education programs and supporting local charities, we strive to give back to the community that has supported us throughout the years. We invite you to join us at Meriwest! Experience firsthand how we can help you reach your financial goals while being part of a supportive community network. Together, let's create opportunities for growth and success. For more information or to become a member today, please call us at 877-637-4937 or visit our website at meritrustcu.org. Your journey toward financial well-being starts here!

Branch Location & Accessibility

Convenient Hours

We understand that life can get busy. That's why our operating hours are designed to fit your schedule. Visit us Monday through Thursday from 9:00 a.m. to 5:00 p.m., Fridays from 9:00 a.m. to 6:00 p.m., and Saturdays from 9:00 a.m. to 1:00 p.m. Whether you need assistance with personal banking, loans, or other financial services, we're here for you when it's most convenient.

Easy Access and Parking

At Meriwest, we prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can access our services comfortably. Plus, there's ample parking available right outside the building, so you won't have to worry about finding a spot when you arrive.

Full-Service Banking

Our branch offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we provide everything under one roof. If you're looking for an ATM, you'll be pleased to know that we offer ATM access right here at our location. While members can visit us at this address for all their banking needs, please send any official correspondence to our mailing address at PO Box 530953, San Jose, CA 95153-5353.

Get in Touch

Have questions? Feel free to call us at 877-637-4937. Our dedicated staff is eager to assist you with whatever you need. We look forward to welcoming you to the Meriwest branch soon!

Member Eligibility

Becoming a member of Meriwest is like joining a close-knit community where everyone looks out for one another. To be eligible, you simply need to be an individual who resides, works, worships, or attends school in the areas we serve. This means that if you're part of our vibrant local community, you're already on your way to accessing all the great benefits we offer! Membership comes with perks like competitive loan rates and personalized financial advice designed to help you achieve your goals. Getting started is easy! You can open your account by visiting us at 5683 Cottle Rd San Jose Ca 95123 or by applying online through this link: https://www.mymeriwest.com/dbank/live/app/register. If you have any questions or need assistance, don't hesitate to give us a call at (877) 637-4937. For more detailed eligibility criteria, check out this resource: . We're excited to welcome you into our 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, we offer merchant services that make everyday transactions easier. Imagine having a reliable payment processing system that allows you to accept payments quickly and securely, helping you serve your customers better. Our solutions are tailored to fit your business model, whether you're in retail, service, or any other industry. Visit us at 5683 Cottle Rd San Jose Ca 95123 in San Jose, CA or call us at (877) 637-4937 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Additional Services

We also provide basic ATM access for withdrawals and balance checks keeping it simple for all members. Whether you're using our services in-person at our branch located at 5683 Cottle Rd San Jose Ca 95123 or enjoying the convenience of digital banking from anywhere, we're here to support you every step of the way. If you have any questions about our offerings or want to explore how we can assist you further, feel free to give us a call at (877) 637-4937. We're excited to welcome you into the Meriwest family and help you achieve your financial goals!

Business Banking Support

For those who own a business, we have tailored solutions just for you. Our business banking services, including merchant services and business loans, can help you manage cash flow and support growth. We aim to empower local businesses by providing the financial tools they need to succeed.

Digital Banking Convenience

In today's fast-paced world, having access to your finances whenever you need it is crucial. That's why we have invested in our online and mobile banking platforms. You can easily check balances, transfer funds, or pay bills from the comfort of your home or on the go. Plus, with our ATM services available at multiple locations, accessing cash has never been easier.

Personal Banking Solutions

We offer personal banking solutions that cater to your everyday needs. From checking and savings accounts to help you manage your daily finances, to auto loans and vehicle financing options that allow you to get behind the wheel of your dream car. If you're looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services can guide you through the process with ease. When life throws unexpected expenses your way, our personal loans and debt consolidation options are here to provide you with financial relief. And don't forget about our credit cards with rewards, which offer great benefits while helping you build your credit.

Digital & Online Banking

Key Features for Your Convenience

For those who prefer mobile banking, our mobile application allows you to handle transactions effortlessly right from your smartphone. Whether you're making person-to-person transfers or simply checking your account details, you have everything you need right at your fingertips. Although mobile payments are not currently offered, our focus remains on providing robust features that enhance your banking experience. Managing your finances is now more accessible than ever with the availability of e-statements. This feature helps you stay organized while reducing paper clutter, making it easy to keep track of your transactions digitally.

Security You Can Trust

We prioritize your security with advanced measures so that you can bank with peace of mind. All transactions made through our digital platforms are encrypted and monitored for any suspicious activity. Our commitment to protecting your personal information means you can use our services without worry. In summary, at Meriwest, we're dedicated to providing modern banking solutions that fit into your lifestyle. Explore all our digital offerings today by visiting https://www.meritrustcu.org/home/home and discover how easy managing your finances can be!

Financial Strength

A Solid Foundation

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.

Growing Together

Total Share Accounts: 109,263, showcasing a strong and growing member base that trusts us with their finances. Our net shares amount to $0, highlighting funds available for lending and investments. 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 5683 Cottle Rd San Jose Ca 95123 or call (877) 637-4937 to learn more about how we can help you achieve your financial goals.

Investing Back into the Community

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 currently have $7,715 in used auto loans and $1,638,630,843 in total loans and leases. This support helps our members achieve their financial goals across various sectors.

Member-Centric 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.

Operational Efficiency

Our $0 reflects our operational efficiency, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

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 provide flexible terms and competitive interest rates that make financing your next vehicle straightforward and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $153,397,960 provide the capital needed to grow and expand your business. We understand the unique challenges faced by small businesses and are committed to offering solutions that foster growth. If you're considering refinancing or exploring eligibility options for any of these products, our knowledgeable staff at Meriwest is ready to assist you. We aim to make the application process as smooth as possible so you can focus on what matters most. To learn more about our loan offerings or to speak with a representative, feel free to call us at (877) 637-4937, or visit us at our branch located at 5683 Cottle Rd San Jose Ca 95123 in San Jose, CA. Your journey towards financial empowerment starts here! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 an existing mortgage, our experienced team is here to guide you through the process.

Personal Financing

In addition to auto and mortgage loans, we also offer unsecured credit card loans, with a total of $0 helping members manage their finances effectively. These cards come with flexible terms that can fit various budgets and spending habits.

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Meriwest