Nikkei Credit Union Gardena CA | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Nikkei Credit Union - Gardena Branch, where your financial well-being is our top priority! Located at 18425 S Western Ave, Gardena, CA 90248, we are proud to serve our community with a commitment that spans over seven decades since our establishment in 1951. Our branch is more than just a place for banking; it's a hub where local members come together to achieve their financial goals. At Nikkei, we believe in building lasting relationships. With a total membership of 4,197 and assets exceeding $84 million, we ensure that every member receives personalized attention and support. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, our team is here to guide you every step of the way. Our dedicated staff of 17 employees, led by CEO Jon Hernandez and Board President Gary Nakata, works tirelessly to provide you with excellent service. We understand the importance of trust in finance, which is why we prioritize transparency and community impact. With total deposits amounting to $2,309,645 and net worth standing at $11,245,480, you can feel secure knowing that your money is in good hands. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 18425 S Western Ave, Gardena, CA 90248. We invite you to explore the many services we offer through our user-friendly website at nikkeicu.org, where you can also find resources for online banking and loan applications. Ready to take the next step towards financial empowerment? Give us a call at 310-324-1544 or stop by during our operating hours: Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM; Wednesday from 10:00 AM to 5:00 PM; and Saturday from 9:00 AM to 1:00 PM. Join us today and experience the difference with Nikkei Credit Union!

Branch History & Mission

Welcome to Nikkei Credit Union - Gardena Branch, a place where community meets financial service. Established in 1951, we have proudly served the vibrant city of Gardena, California, for over seven decades. Our journey began with a simple yet powerful mission: to provide exceptional financial services to our members while fostering a strong sense of community. Located at 18425 S Western Ave, Gardena, CA 90248, our branch is easily accessible and situated near local landmarks that enhance our connection to the neighborhood. Throughout the years, we have grown significantly, now boasting a total membership of 4,197 individuals who trust us with their financial needs. With total assets reaching an impressive $84,462,464, we are committed to ensuring our members' financial well-being. Our mission is straightforward: to empower our members through personalized banking solutions that support their financial goals and dreams. We offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking services. Each service is designed with you in mind whether you're looking to finance your first car or manage your business finances effectively. While members can visit us at our main branch location, official correspondence should be sent to the same address: 18425 S Western Ave, Gardena, CA 90248. Our operating hours are Monday through Tuesday and Thursday through Friday from 9:00 a.m. to 5:00 p.m., Wednesday from 10:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m., making it convenient for you to access our services when it suits you best. We understand that modern banking requires digital convenience as well as traditional values. That's why we offer online and mobile banking services so that you can manage your finances anytime and anywhere. Our commitment to accessibility extends further with ADA compliance initiatives that ensure everyone in our community can access our services without barriers. Community support is at the heart of what we do. We actively engage in outreach programs and partnerships that uplift those around us. We believe in giving back because when our community thrives, we all benefit. Join us at Nikkei Credit Union - Gardena Branch and experience firsthand the dedication we have towards serving you. Whether you're looking for personal banking solutions or need assistance with business financing, we're here to help you every step of the way. Together, let's build a brighter financial future for you and your family! For more information or assistance, feel free to call us at 310-324-1544 or visit our website at www.nikkeicu.org.

Branch Location & Accessibility

Accessibility and Features

We take pride in ensuring our branch is accessible for everyone. Our facility features ADA-compliant entrances and ramps, making it easy for all members to visit us. Parking is available right outside, allowing you quick access to our services without the hassle of searching for a spot.

Operating Hours

At Nikkei Credit Union, we value your time. Our lobby hours are Monday, Tuesday, Thursday, and Friday from 9:00 a.m. to 5:00 p.m., with extended hours on Wednesday starting at 10:00 a.m. We also welcome you on Saturdays from 9:00 a.m. until 1:00 p.m., perfect for those who prefer to bank on weekends.

Services Offered

We offer a wide range of services tailored to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Whether you're looking to consolidate debt or finance a new vehicle, our friendly staff is here to help. Additionally, we have an ATM available for your convenience so you can access cash anytime. Please note that while we do not currently offer drive-thru services or shared service centers at this location, we are committed to providing the highest quality of service within our branch. While members can visit us at 18425 S Western Ave Gardena Ca 90248, official correspondence should be sent to 18425 S Western Ave, Gardena, CA 90248. Feel free to reach out with any questions by calling us at (310) 324-1544. We look forward to serving you at Nikkei Credit Union - Gardena Branch! Come by today and experience community-focused banking that puts you first.

Member Eligibility

Becoming a member of Nikkei is like joining a warm, welcoming community where your financial needs are truly understood and valued. If you live, work, or worship in the area around 18425 S Western Ave Gardena Ca 90248, you're already on your way to enjoying all that we offer! Membership is open to individuals who share our commitment to community support and growth. At Nikkei, we prioritize personal connections and strive to provide services that cater to your unique financial journey. Ready to get started? Opening an account with us is simple and straightforward! Just visit our website for more details on how to join and explore the benefits that come with being part of our family. If you have any questions or need assistance, don't hesitate to reach out at (310) 324-1544. We're here for you every step of the way. For specific eligibility criteria, check out this helpful resource: .

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have not issued any member or non-member commercial loans, our team is ready to assist when the time comes. Whether you're looking for financing to expand your operations or need funds to manage day-to-day expenses, we'll work closely with you to find the right solution.

Merchant Services That Make a Difference

In addition to loans, we offer merchant services that simplify transactions and enhance cash flow. Imagine having a seamless way to accept payments from customers whether in-store or online. With our reliable payment processing solutions, you can focus on what truly matters: growing your business. Located at 18425 S Western Ave Gardena Ca 90248 in Gardena, CA, our dedicated team is here to help your business reach new heights. For more information about how we can support your business needs, give us a call at (310) 324-1544. Let's make your vision a reality together!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer tailored banking solutions including merchant services and business loans. We know running a business can be challenging; that's why we're committed to providing the support you need to thrive.

Convenient Access Anytime

In addition to traditional banking services, we ensure that accessing your accounts is convenient with our ATM services available 24/7. You can easily withdraw cash or check balances at any time without hassle. Whether you're visiting us at 18425 S Western Ave Gardena Ca 90248 or calling us at (310) 324-1544, our friendly staff is always ready to assist you with any questions or concerns. At Nikkei Credit Union - Gardena Branch, we believe in building lasting relationships with our members by offering personalized service and comprehensive financial solutions. Ready to take the next step? Visit us today or explore more about our services online at our website!

Credit Cards with Rewards

Our credit cards not only offer convenience but also come with rewards that give back to you! Use them for everyday purchases and enjoy benefits like cashback or travel rewards. It's like getting paid to spend!

Homeownership Dreams Realized

Owning a home is an exciting journey, and our mortgage loans and refinancing solutions are designed to make this process smooth and straightforward. Whether you're buying your first home or looking to refinance your current mortgage for better terms, our team is here to guide you every step of the way.

Personal Banking Solutions

Starting with personal banking, our checking and savings accounts are designed to help you reach your financial goals. Imagine having a safe place for your money while earning interest at competitive rates! Our accounts come with features that make banking easy, such as online and mobile banking options. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and pay bills without ever stepping foot in the branch.

Personal Loans for Life's Needs

Sometimes life throws unexpected expenses your way. That's where our personal loans come in handy. Whether it's for debt consolidation or funding a special project, we provide quick access to cash so you can tackle those financial challenges head-on.

Vehicle Financing Made Easy

If you're considering purchasing a new car or refinancing your existing vehicle loan, our auto loans and vehicle financing options are here to assist. We offer flexible terms and competitive rates that fit your budget. Picture yourself driving away in your dream car while knowing you've made a smart financial choice!

Digital & Online Banking

Key Services

With 24/7 online banking services, you can access your accounts anytime you need. Check balances, make transfers, and pay bills from the comfort of your couch or while waiting in line. Our mobile application makes it even simpler to handle your banking needs right from your smartphone. We also provide e-statements, so you can say goodbye to paper clutter and keep track of your finances digitally. Plus, if you want to send money to friends or family quickly, our person-to-person transfer feature lets you do that effortlessly.

Security and Accessibility

We prioritize your security with robust measures in place to protect your information. While we do not currently offer electronic signature authorization, you can rest assured that all transactions through our platforms are secure. Our mobile payments feature allows you to make purchases without needing cash or cards, adding another layer of convenience. At Nikkei, we strive to make banking accessible and easy for everyone. Join us today and discover how our digital banking solutions can enhance your financial experience!

Financial Strength

Commitment to Service

Our operational efficiency is evident with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 16 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member Trust

Total Share Accounts stand at 6,434, showing a strong and growing member base that trusts us with their finances. This trust allows us to maintain a robust service offering tailored to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Nikkei is your trusted partner. Visit us at 18425 S Western Ave Gardena Ca 90248 or call (310) 324-1544 to learn more about how we can help you achieve your financial goals.

Reinvestment for Growth

With $10,934,012 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is further reflected in our lending capacity; with $348 in used auto loans and $67,769,741 in total loans and leases, we support your financial goals across various sectors.

Secure Savings

Members' savings are secured through $24,181,449 in share certificates and $3,947,435 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Foundation

With a net worth of $11,245,480, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,331 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 $4,309,037 in used vehicle loans and $2,714,823 in new vehicle loans already helping members get on the road. We also provide refinancing options if you want to lower your monthly payments or adjust your loan terms.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,791,482, make buying or refinancing simple. We strive to support you through every step of the mortgage process, ensuring that it fits within your budget.

Personal and Credit Card Loans

For those unexpected expenses or managing day-to-day finances, we also offer flexible terms on unsecured credit card loans. With a total of $276,721 in loans helping members manage their finances effectively, you can enjoy the convenience of having funds readily available when you need them. Additionally, our total credit lines amount to $4,903,669, offering an easy way for members to access funds as needed without applying for a new loan each time. At Nikkei, we prioritize your financial well-being. Our team is here to guide you through the eligibility requirements and help you find the best loan option for your situation. Whether it's purchasing a vehicle or making improvements at home, we're dedicated to supporting our community's aspirations. Feel free to reach out to us at 310-324-1544 or visit us at 18425 S Western Ave Gardena Ca 90248 for more information about our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together towards achieving your financial goals!

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