North Bay Credit Union Healdsburg CA | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to North Bay, your trusted financial partner in the heart of Healdsburg, CA. Established in 1948, our Healdsburg Branch at 1357 Healdsburg Ave has been committed to serving our community with dedication and integrity for over seven decades. With a proud membership of 2,935 individuals, we are more than just a credit union; we are a family that believes in supporting one another through every stage of life. At North Bay, we understand that financial needs can vary greatly from person to person. That's why we offer a wide range of services designed to meet your unique goals, whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages. Our total assets stand strong at an impressive $118,639,328, ensuring that we have the resources to help you thrive. Our leadership team, headed by CEO Chris Call and Board President Dominic Tramontin, is dedicated to making your banking experience as seamless as possible. With a focus on community impact and member satisfaction, our team of 33 employees is always ready to assist you with a smile. While you can visit us at our branch location, please note that official correspondence should be sent to our mailing address: 304 Sutton Pl., Santa Rosa, CA 95407. With total deposits reaching $873,795 and cash reserves amounting to $4,777,288, we are well-equipped to provide you with secure and reliable banking solutions. We invite you to explore how North Bay can make a positive difference in your financial journey. Ready to take the next step? Contact us at 707-297-9699 or visit our website at www.northbaycu.com to learn more about becoming a member or discover the various services we offer. Your financial success is our priority!

Branch History & Mission

Commitment to Technology and Accessibility

In today's world, technology plays an important role in how we manage finances. That's why we've embraced digital advancements such as online banking and mobile payments to make managing your money easier than ever. Furthermore, we ensure that our facilities are ADA compliant so that everyone can enjoy equal access to our services.

Join Us

As you consider your financial journey, remember that North Bay is here for you every step of the way. Whether you're looking for a loan or simply want reliable banking services, we invite you to join our family. Experience firsthand the benefits of being part of a credit union that truly cares about its members. For more information or assistance, don't hesitate to reach out at 707-297-9699 or visit us online at North Bay. Together, let's build a brighter future!

Our Evolution

Over the decades, North Bay has evolved to meet the changing needs of our members while staying true to our core values. From humble beginnings, we have expanded our services and now boast total assets of $118,639,328. Our commitment to providing excellent personal banking services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards has allowed us to flourish alongside our community. We pride ourselves on being accessible to everyone. While members can visit us at our branch address for a variety of services, official correspondence should be sent to our mailing address at 304 Sutton Pl., Santa Rosa, CA 95407.

Our Mission

Our mission is clear: to improve the financial well-being of our members while fostering a supportive community environment. We believe in empowering individuals through education and access to affordable financial products. Each day, we strive to build lasting relationships by offering personalized service and innovative solutions that cater to your unique needs. At North Bay, we're not just about numbers; we're about people. We understand that strong communities are built on trust and collaboration. That's why we actively engage in community outreach efforts and partnerships that uplift those around us.

Branch Location & Accessibility

Welcome to the North Bay Healdsburg Branch, your friendly financial partner located at 1357 Healdsburg Ave, Healdsburg, CA 95448. Nestled in the heart of Sonoma County, our branch is conveniently positioned near local landmarks, making it easy for you to stop by while enjoying everything Healdsburg has to offer. Whether you're here to handle your banking needs or just passing through, we prioritize accessibility and convenience. Our branch features ADA-compliant facilities, ensuring everyone can comfortably access our services. Parking is readily available for our members, so you won't have to worry about finding a spot when you visit us. Our operating hours are designed with your schedule in mind. We're open Monday, Wednesday, and Friday from 9 AM to 5 PM. So whether you need assistance with personal banking, auto loans, or online services, we're here to help during those times. While members can visit us at this location for all your banking needs, please note that official correspondence should be sent to our mailing address at 304 Sutton Pl., Santa Rosa, CA 95407 if it's different from your visit. For those who prefer cash transactions, we offer ATM availability right on-site. While we currently don't have drive-thru banking options, our dedicated team is ready to assist you inside the branch. If you're looking for a credit union that understands your needs and values community relationships, look no further than North Bay. We invite you to come by or give us a call at 707-297-9699. Let's work together towards your financial goals!

Member Eligibility

Welcome to the North Bay family! Becoming a member of North Bay is like joining a close-knit community where your financial well-being is our top priority. To be eligible for membership, you need to live, work, worship, or attend school in certain areas of Sonoma County, or have an immediate family member who is already a member. This inclusive approach means that many people can enjoy the benefits we offer, from personal banking services to auto loans and more. For detailed eligibility criteria, feel free to visit our website at https://www.northbaycu.com/about/become-a-member. Joining us is simple and rewarding. Once you're eligible, opening an account at North Bay is a straightforward process that can lead you to great financial products tailored just for you. If you have any questions or need assistance, don't hesitate to give us a call at (707) 297-9699. We're here to help you every step of the way as you embark on this exciting journey with us!

Business Banking & Commercial Services

Practical Merchant Services

Imagine being able to accept payments seamlessly while focusing on what you do best running your business. Our merchant services simplify transactions, allowing you to offer various payment options to your customers, whether they're shopping online or in-store. This means faster sales, happier customers, and more time for you to innovate and grow. Visit us at 1357 Healdsburg Ave Healdsburg Ca 95448 in Healdsburg, CA, or give us a call at (707) 297-9699 to learn how we can help your business thrive!

Tailored Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $13 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $18,103,188, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For local businesses, we offer specialized solutions such as merchant services and business loans. Our goal is to support your business growth while simplifying everyday transactions. With us by your side, you'll find everything from quick cash flow management to comprehensive loan options that fit your business needs.

Connect with Us

At North Bay, we believe in building strong relationships with our members through personalized service and comprehensive offerings. If you'd like more information about any of our services or need assistance with your financial needs, feel free to reach out! You can contact us at (707) 297-9699 during our lobby hours: Monday, Wednesday, and Friday from 9 AM to 5 PM. We invite you to visit us at 1357 Healdsburg Ave Healdsburg Ca 95448 or explore more about what we offer online at our website. Let us help you achieve your financial goals today!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking at Healdsburg Branch. Our robust online and mobile banking platforms allow you to manage your accounts anytime and anywhere. Whether it's checking your balance, transferring funds, or making payments, all these features are just a few taps away on your smartphone or computer. We also provide access to an ATM for cash withdrawals and balance checks whenever you need it. This means no matter where life takes you whether it's a late-night grocery run or a weekend road trip you'll have easy access to your funds.

Personal Banking

Our personal banking services include essential offerings like checking and savings accounts that help you manage your money effectively. We understand that saving for future goals is important, so we provide competitive interest rates and features that make it easy for you to track your progress. If you're considering a new vehicle, our auto loans and vehicle financing options can put you behind the wheel without breaking the bank. We offer flexible terms and competitive rates, making it easier than ever to drive home in your dream car. Additionally, if you're thinking about purchasing a home or refinancing an existing mortgage, our mortgage loans and refinancing services are designed to guide you through every step of the process. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services can provide the financial relief you need. Plus, with our credit cards that offer rewards, managing daily expenses can also earn you points towards exciting benefits.

Digital & Online Banking

Key Features

Our online banking service provides real-time access to your accounts, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can also take advantage of our e-statements, which let you view your account statements digitally helping you save paper while keeping your information organized. If you're looking for more convenience in your transactions, our mobile payments feature makes it simple to make purchases directly from your smartphone. For those who prefer managing their finances through an app, our mobile application offers all the features you need right at your fingertips. Whether you're making person-to-person transfers or simply checking account activity, everything is designed to be user-friendly and secure.

Security and Accessibility

We prioritize your security with robust measures in place to protect your personal information. Even though we do not currently offer electronic signature authorization, rest assured that our systems are built with safety as a top priority. Our commitment to providing accessible banking means that whether you're using a computer or a mobile device, you'll have an easy time navigating through our services. By choosing North Bay, you're not just getting a bank; you're gaining a partner dedicated to making your financial life easier. Embrace the convenience of modern banking today!

Financial Strength

At North Bay, 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 strong financial standing, which reassures you that your money is in good hands. With a net worth of $8,204,977, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $692 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 $41,662,929 in share certificates and $3,457,180 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $5,404,011, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. In addition, with $8,204,977 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $22 in used auto loans and $106,328,245 in total loans and leases. Our operational efficiency is highlighted by a net income of $0, which allows us to keep delivering competitive loan rates and solid financial products for our members. We also take pride in having 33 full-time employees and 0 part-time employees who are dedicated to providing excellent service. With a total of 5,472 share and deposit accounts, it's clear that our member base 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, North Bay is your trusted partner. Visit us at 1357 Healdsburg Ave Healdsburg Ca 95448 or call (707) 297-9699 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 $352,151 in used vehicle loans and $518,424 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our financing options are designed to make your experience straightforward and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $18,103,188 provide the capital needed to grow and expand. We aim to support local businesses with favorable terms and personalized service. At North Bay, we are here to guide you through every step of the loan process. If you're interested in refinancing or exploring eligibility options for any of our products, please don't hesitate to reach out. For more information on how we can assist you with your financing needs or to speak with a representative, call us at 707-297-9699 during our operating hours from 9 am - 5 pm on Monday, Wednesday, and Friday. 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 us help you take that important step towards financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,560,632, make buying or refinancing simple. We provide competitive rates and flexible terms that can accommodate your specific circumstances.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $345,978 in loans helping members manage their finances effectively. This option is great for those looking to consolidate debt or make unexpected purchases without tying up assets.

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. LendMesh ensures accurate loan comparisons by sourcing its data 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 to transparency means you can trust that the offers you see are fair and based on reliable information. One of the key benefits of using LendMesh is Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in your options. Additionally, LendMesh operates without Sponsored Listings; lenders are not prioritized based on paid promotions. This approach guarantees that users receive unbiased results tailored to their needs. Moreover, LendMesh provides Real-Time Rate Comparisons, displaying up-to-date loan rates from multiple institutions. This feature empowers users to make informed decisions quickly and efficiently. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

North Bay