Mission City Credit Union Santa Clara CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Mission City, your trusted partner in financial wellness since 1959! Located at 1391 Franklin St, Santa Clara, CA 95050, our credit union proudly serves a vibrant community of over 4,291 members. With a solid foundation and a commitment to our members, we have grown our total assets to an impressive $146,813,889. At Mission City, we believe in building lasting relationships with our members. Our dedicated team of 18 employees, led by CEO Kamil Sakici and Board President Thai Tran, is here to support you on your financial journey. We offer a range of services tailored to meet your needs, including personal banking, auto loans, mortgages, and business banking solutions. While members can visit us at our branch for in-person assistance, official correspondence should be sent to the same address: 1391 Franklin St, Santa Clara, CA 95050-4710. We invite you to take advantage of our extensive services that have helped us achieve $6,030,797 in total deposits and maintain a robust net worth of $12,802,142. Our commitment goes beyond numbers; it's about making a positive impact on our community. Whether you're looking for competitive loan rates or convenient online banking options, we are here for you every step of the way. Ready to explore what we can do together? Visit us today or give us a call at 408-244-5818. Join the Mission City family and experience the difference that personalized service can make!

Branch History & Mission

Join Us!

As we look forward to the future, we invite you to become part of the Mission City family. Experience firsthand the benefits of membership whether it's through competitive rates on loans or tailored financial advice from our friendly staff. For more information about how you can join us or explore our services further, please visit our website or call us at 408-244-5818. Together, let's build a brighter financial future!

Our Journey

From humble beginnings, Mission City has evolved significantly over the years. Initially founded to provide affordable financial services to local residents, we have expanded our offerings to include personal banking, auto loans, mortgage loans, credit cards with rewards, and even business banking solutions. Today, we proudly manage total assets amounting to $146,813,889. Our growth reflects not only our dedication to sound financial practices but also our deep-rooted connection with the community. Our headquarters in Santa Clara, CA, ensures that we remain close to our members and their needs. We understand the importance of accessibility; that's why we've embraced digital advancements such as online banking and mobile payments. Our commitment to ADA compliance means that everyone can benefit from our services.

Our Mission

At Mission City, our mission is simple yet profound: to empower our members financially while actively contributing to the well-being of our community. We strive to provide personalized service that makes every member feel valued. Whether you need assistance with savings accounts or guidance on securing a loan, we're here to help you navigate your financial journey. We believe in giving back. Through various partnerships and community outreach initiatives, we aim to uplift those around us. Our members can feel confident knowing their success is intertwined with ours. While you can visit us at 1391 Franklin St, for any official correspondence please send it to 1391 Franklin St, Santa Clara, CA 95050-4710.

Branch Location & Accessibility

Accessibility Features

We are committed to providing an inclusive environment for all members. Our branch is fully ADA compliant, featuring ramps and accessible entrances so everyone can visit us with ease.

Call Us Anytime!

Got questions? Don't hesitate to reach out! You can call us at 408-244-5818 for assistance or more information about our services. Plus, we're proud to offer ATM availability for your convenience, though please note that we do not have drive-thru service at this location. While you can visit us at 1391 Franklin St, if you need to send official correspondence, please use the mailing address of 1391 Franklin St, Santa Clara, CA 95050-4710. Come see how Mission City can support your financial journey today! We look forward to welcoming you into our community!

Conveniently Located

You can find us near popular spots like Santa Clara University and the lively Valley Fair Mall, making it easy to combine your errands with a visit to us. Parking is available right outside our branch, ensuring you have a hassle-free experience when you come in.

Friendly Hours Just for You

At Mission City, we understand that your time is valuable. That's why we offer flexible operating hours: we're open from 9:00 AM to 5:30 PM on Monday through Wednesday and Friday, and from 10:00 AM to 6:00 PM on Thursday. Whether you need help with personal banking, auto loans, or mortgage refinancing, our friendly staff is here to assist you during these times.

Member Eligibility

Welcome to the community at Mission City! Becoming a member is an exciting step towards accessing a range of financial services tailored just for you. If you live, work, or worship in the area, you're likely eligible to join us. We aim to create an inclusive environment, so whether you're seeking personal banking options or looking for loans to help with your next vehicle purchase, we've got you covered. For detailed eligibility requirements and to see if you qualify, check out our resource here: https://www.missioncityfcu.org/membership/ . Opening an account at Mission City is a straightforward process designed with your convenience in mind. Simply visit us at 1391 Franklin St Santa Clara Ca 95050, or give us a call at (408) 244-5818 for any questions you might have. We can't wait to welcome you into our growing 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 also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. Imagine being able to secure funding to expand your operations or invest in new equipment. Whether you're looking to take your existing business to the next level or start something new, our tailored loan options can provide the capital you need.

Merchant Services

In addition to loans, we offer merchant services designed to simplify payment processing for your business. Picture this: a busy Saturday at your store where customers are eager to buy but may not have cash on hand. Our merchant services allow you to accept various payment methods seamlessly, ensuring that you never miss a sale. At Mission City, we are dedicated to helping local businesses succeed by providing the financial tools and support necessary for growth. Contact us today at (408) 244-5818 and let's discuss how we can assist you further!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options are designed with competitive rates and flexible terms to make your dream vehicle more accessible. Whether you're eyeing a brand-new model or a reliable used vehicle, we're here to guide you through the financing process, ensuring you get the best deal possible.

Business Banking Services

If you're a business owner, our Business Banking services include essential tools like Merchant Services & Business Loans. We aim to support local businesses in their growth and success by offering tailored financial solutions that fit their unique needs.

Convenient Access and Support

Our branch offers essential services such as ATM & Cash Withdrawal Services, ensuring you have easy access to your funds whenever needed. With basic ATM access available for withdrawals and balance checks, managing cash flow has never been easier. In addition, we're proud of our commitment to digital banking features like mobile payments and person-to-person transfers making it simple for you to send money instantly or pay bills without hassle. Ready to take the next step? Visit us at Mission City today or call us at 408-244-5818 for more information on how we can assist you with any of these services. Your financial well-being is our priority!

Mortgage Loans and Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing services. If you're looking to buy a home or refinance an existing mortgage for better terms, our knowledgeable team is here to assist you every step of the way. Picture settling into your new home while knowing you've made a sound financial decision with favorable rates from Mission City.

Personal Banking Solutions

Whether you're starting your first checking account or looking for ways to save for the future, our Personal Banking services have you covered. We offer various Checking & Savings Accounts designed to help you manage your everyday expenses and grow your savings over time. Imagine being able to access your funds easily through our user-friendly Online & Mobile Banking platform. This means checking balances, transferring money, or making deposits can be done right from your smartphone!

Personal Loans and Debt Consolidation

We also recognize that sometimes life brings unexpected expenses or debt challenges. Our Personal Loans & Debt Consolidation options can help simplify your finances by allowing you to consolidate multiple debts into one manageable payment. It's all about providing relief and paving the way towards financial stability.

Rewarding Credit Cards

For those who enjoy shopping and rewards, consider our Credit Cards with Rewards. You can earn points on every purchase, which can be redeemed for exciting perks making everyday spending even more rewarding!

Digital & Online Banking

Convenient Features

Need to send money to a friend? With our person-to-person transfers feature, sharing funds is quick and easy. And if you're someone who enjoys making purchases with just a tap, our mobile payments feature allows you to pay directly from your phone, making transactions smoother than ever. At Mission City, we're dedicated to providing accessible and user-friendly services that empower you to manage your finances with ease. Explore all these features and more by visiting us online today!

Easy Access Anytime

With our 24/7 online banking services available at https://www.missioncityfcu.org/ , you can check your account balance, transfer funds, and pay bills with just a few clicks. Forget about waiting in line; all your banking needs are right at your fingertips. Plus, if you prefer to manage your accounts on the go, our mobile application is perfect for you. Whether you're commuting or relaxing at home, stay connected to your finances effortlessly.

Secure Transactions

Your security is a top priority for us. Our digital banking platform includes electronic signature authorization, ensuring that all transactions are safe and secure. You can also access e-statements to keep track of your finances without the clutter of paper statements.

Financial Strength

Commitment to Growth

With $12,626,884 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 $2,413 in used auto loans and $99,430,962 in total loans and leases, supporting various financial goals across sectors.

Growing Trust

We have established a strong member base with a total of 8,986 accounts that show our community trusts us with their finances. This trust allows us to maintain a healthy balance sheet while helping you achieve your financial objectives. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mission City is your trusted partner. Visit us at 1391 Franklin St Santa Clara Ca 95050 or call (408) 244-5818 to learn more about how we can help you achieve your financial goals.

Member-Centric Services

Your savings are secure with us through $34,269,389 in share certificates and $38,822,665 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. We focus on benefiting you through better loan rates and exclusive perks ensuring our resources are dedicated to your success.

Operational Efficiency

Our operational efficiency is reflected in our $175,258, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 18 full-time employees and 0 part-time employees ready to assist you with a knowledgeable and committed team.

Solid Financial Foundations

With a net worth of $12,802,142, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $872 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $13,352,433 in new vehicle loans and $13,352,803 in used vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make it easier for you to drive away with the vehicle you desire.

Credit Lines

For those looking for additional flexibility in managing their cash flow, our credit lines amounting to $36,012,406 can provide peace of mind. These lines are designed to give you quick access to funds whenever you need them. At Mission City, we believe in providing accessible financing solutions that empower our members. If you're considering refinancing options or want to learn more about eligibility requirements for any of our loan products, feel free to reach out. You can contact us at 408-244-5818 or visit us during our lobby hours: M-W & F from 9:00 AM - 5:30 PM and Th from 10:00 AM - 6:00 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. We look forward to assisting you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,620,420, make buying or refinancing simple. We understand that purchasing a home is a significant step, and our knowledgeable team is here to guide you through every stage of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,393,965 in loans helping members manage their finances effectively. This option allows for easy access to funds for unexpected expenses or planned purchases without tying up your assets.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 strict adherence to regulatory standards ensures that users receive fair and transparent offers.

MISSION CITY FEDERAL CREDIT UNION - Santa Clara, CA