Meriwest Credit Union San Jose CA | Affordable Auto Loans & Rewards Cards

Introduction

Welcome to Meriwest, where we believe in empowering our members and enriching our community! Located at 1795 Hillsdale Ave Ste 10, San Jose, CA 95124, our branch has been serving the local area since 1961. As a trusted credit union, we proudly support 79,531 members with a focus on providing personalized financial services that truly meet their needs. At Meriwest, we understand that your financial goals are unique. That's why we offer a wide range of products including personal banking, auto loans, mortgages, and business services. With total assets reaching an impressive $2,113,086,591 and total deposits of $126,069,139, our solid financial foundation reflects our commitment to you. Our net worth stands at $193,309,189, ensuring that we have the stability to support your ambitions. Led by our dedicated CEO Lisa Pesta and Board President Arthur Jue, our team is here to provide you with expert guidance every step of the way. Whether you need assistance with a loan or want to explore investment options, we're ready to help. With 220 employees available to serve you and easy access to online banking through our website Meriwest, managing your finances has never been simpler. While members can visit us at 1795 Hillsdale Ave Ste 10, official correspondence should be sent to PO Box 530953, San Jose, CA 95153-5353. Feel free to reach out by phone at 877-637-4937 if you have any questions or would like more information about how we can assist you. Join us today and experience the Meriwest difference where your financial success is our priority!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to be part of the Meriwest family. Experience the benefits of membership where your financial goals meet genuine support from a team dedicated to your success. Contact us today at 877-637-4937 or visit us online at Meriwest to learn more about how we can help you achieve your dreams!

Our Journey

From our humble beginnings, Meriwest has evolved into a trusted financial partner for individuals and businesses alike. Over the years, we have achieved significant milestones that reflect our dedication to excellence and community support. With an emphasis on personal banking, auto loans, mortgage financing, and business services, we cater to a diverse range of needs while ensuring that everyone feels welcome and valued. Our branch is more than just a place to conduct transactions; it's a hub for community engagement. We actively seek partnerships that enhance local initiatives and support causes that matter to our members. Whether through financial literacy programs or community events, Meriwest strives to empower those we serve.

Our Mission

At the heart of Meriwest's mission is the belief that everyone deserves access to quality financial services. We aim to provide personalized solutions that foster financial well-being and independence. Our services include checking and savings accounts, auto loans with competitive rates, credit cards with rewards, and much more all designed with your needs in mind. We also prioritize accessibility for all members. Our branch features ADA-compliant facilities and offers digital banking options like online banking and mobile applications to ensure you can manage your finances conveniently from anywhere. While you can visit us at our main location at 1795 Hillsdale Ave Ste 10 in San Jose, official correspondence should be sent to PO Box 530953, San Jose, CA 95153-5353 if needed. Our operating hours are Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m., providing ample opportunity for you to connect with us.

Branch Location & Accessibility

Accessibility and Features

At Meriwest, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and ample parking to ensure everyone can visit us comfortably. If you're looking for an ATM, you're in luck! We have one on-site for your convenience.

Get In Touch

Have questions or want more information? Don't hesitate to call us at 877-637-4937. We're here to help you every step of the way! Come visit us soon at Meriwest; we look forward to welcoming you into our community.

Operating Hours

We understand that your schedule can be busy. That's why our lobby hours are designed to fit your needs: Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. We strive to make banking as accessible as possible for you! While members can visit us at our branch address, official correspondence should be sent to PO Box 530953, San Jose, CA 95153-5353.

Services Offered

Meriwest provides a variety of services tailored to help you with your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, enjoy the convenience of online and mobile banking whenever you need it.

Member Eligibility

At Meriwest, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family that prioritizes your financial well-being. If you're looking to become a member, you'll be glad to know that eligibility is straightforward! We welcome individuals who live, work, or worship in the area, along with their families. It's truly about creating connections that matter. To get started on this exciting journey, simply visit us at our branch located at 1795 Hillsdale Ave Ste 10 San Jose Ca 95124 or give us a call at (877) 637-4937 for any questions. You can also check out the detailed eligibility criteria at . Once you've confirmed your eligibility, opening an account is a breeze! Just head over to https://www.mymeriwest.com/dbank/live/app/register to complete the process online. We can't wait to welcome you into the Meriwest family!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine having a payment solution that fits your business needs perfectly. Our merchant services make accepting payments easy, whether you're running a storefront or an online shop. With features like fast processing times and reliable support, you can focus on what matters most growing your business. At Meriwest, we believe that your success is our success. Let us partner with you on your journey to achieve your goals! For more information, call us at (877) 637-4937 or visit us today.

Tailored 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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? We've got you covered with ATM access for withdrawals and balance checks right at your fingertips. We want your banking experience with us to be as straightforward as possible. At Meriwest, our goal is not just about providing services; it's about building relationships with our members. Whether you're visiting us in person at 1795 Hillsdale Ave Ste 10 San Jose Ca 95124 or connecting through our digital platforms, we're dedicated to helping you achieve your financial dreams. If you'd like to learn more about any of our services or have questions about how we can assist you further, don't hesitate to call us at (877) 637-4937. We're excited to partner with you on your financial journey!

Business Banking Services

If you're a business owner, Meriwest has you covered with specialized business banking services. From merchant services that simplify transactions to business loans tailored for growth, we're here to support your entrepreneurial journey. We understand how crucial it is for businesses to have reliable financial partners.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide online and mobile banking solutions that allow you to manage your finances anytime, anywhere. Whether you're checking your balance from home or making a quick transfer on the go, our digital features ensure that you have access whenever you need it.

Financial Support for Your Goals

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you can tackle those challenges head-on. Picture consolidating multiple debts into one easy monthly payment it's that simple! And for those who love rewards, our credit cards offer enticing benefits that make every purchase more rewarding.

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts that fit your lifestyle. Imagine having a convenient account that allows you to manage your daily expenses effortlessly. Our auto loans and vehicle financing options help you get behind the wheel of your dream car without breaking the bank. Plus, if you're considering buying a home or refinancing your current mortgage, our mortgage loans can guide you through the process smoothly.

Digital & Online Banking

24/7 Availability

With 24/7 online banking services, you never have to wait for business hours to handle your financial matters. Whether it's a late-night bill payment or an early morning account check, we're here for you whenever you need us. At Meriwest, we're committed to making banking easier for you. Explore our digital services today and experience the convenience that modern banking offers!

Convenient Online Access

Visit us at https://www.meritrustcu.org/home/home to explore our comprehensive online banking features. Whether you're checking your balance, transferring funds, or paying bills, our platform provides real-time access to your accounts. You can also enroll in e-statements for an eco-friendly way to manage your financial records no more paper clutter!

Mobile Banking on the Go

For those who prefer mobile banking, we have you covered with our dedicated mobile application. Download it today and enjoy the convenience of banking at your fingertips! While we currently do not offer mobile payments, you can still manage your accounts seamlessly through the app.

Secure Transactions

Security is our top priority. With electronic signature authorization available, you can confidently complete transactions without worrying about unauthorized access. Plus, our person-to-person transfer feature allows you to send money to friends and family easily, all while maintaining high security standards.

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 committed to maintaining a strong financial foundation to support your needs and aspirations. 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. 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 with $7,715 in used auto loans and $1,638,630,843 in total loans and leases, supporting 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, ensuring our branches are always 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 1795 Hillsdale Ave Ste 10 San Jose Ca 95124 or call (877) 637-4937 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

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 vehicle or a reliable used car, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $153,397,960 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your financial ambitions. At Meriwest, we believe that everyone deserves access to reliable financial solutions. For more details about any of our loan products or to discuss refinancing options, please contact us at (877) 637-4937 or visit us at our branch located at 1795 Hillsdale Ave Ste 10 San Jose Ca 95124 in San Jose, CA. 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. We provide clear information about our mortgage products and eligibility requirements, so you can make an informed decision that fits your budget.

Unsecured Credit Card Loans

Managing finances can be easier with our unsecured credit card loans. We also offer flexible terms on these loans, with a total of $0 helping members effectively handle their everyday expenses.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh serves as a valuable tool for those looking to make informed financial decisions. LendMesh ensures accurate loan comparisons through a straightforward approach. 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 commitment guarantees that users receive fair and transparent offers tailored to their needs. The benefits of using LendMesh are clear: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency and peace of mind for users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that help you find the best rates. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, allowing them to make informed decisions without unnecessary delays. 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!" This testimonial highlights the effectiveness of the platform in delivering meaningful savings to its users. 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.*

Meriwest