Northeast Community Credit Union San Francisco CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Northeast Community, your trusted partner in financial growth and community support located at 288 Jones St, San Francisco, CA 94102. Established in 1981, we have proudly served our members for over four decades, fostering a sense of belonging and commitment to the communities we serve. With a robust membership of 1,023 individuals and total assets reaching an impressive $15,322,049, we are dedicated to providing personalized banking solutions tailored to your needs. At Northeast Community, our offerings include a variety of personal banking services such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. We understand that every member's financial journey is unique, which is why we strive to create meaningful connections through exceptional service. Under the leadership of CEO Lily Lo and Board President Michael Chan, our team of 6 employees is here to ensure you receive the support you deserve. We maintain a strong financial position with total deposits of $657,194 and net worth standing at $4,842,893, demonstrating our stability and reliability as a credit union. While members can visit us at our branch location for assistance during lobby hours from 11 AM to 4 PM Monday through Friday, please note that official correspondence should be directed to our mailing address at 683 Clay St, San Francisco, CA 94111. We invite you to explore all that we have to offer by visiting our website at necfcu.weebly.com or giving us a call at 415-441-7283. Join us as we continue to build a brighter financial future together!

Branch History & Mission

Community Commitment

Our commitment extends beyond banking; it includes being an active part of the community. We believe in supporting local initiatives and partnering with organizations that make a difference in San Francisco. This outreach reflects our core values and dedication to enhancing the lives of those around us. While members can visit us at 288 Jones St for all their banking needs, official correspondence should be sent to our mailing address at 683 Clay St, San Francisco, CA 94111. Join us at Northeast Community to experience personalized service that puts you first. Together, let's build a stronger community one member at a time! If you're ready to take the next step towards achieving your financial dreams, give us a call at 415-441-7283 or visit our website at Northeast Community. Your journey starts here!

Our Mission

At Northeast Community, our mission is simple yet profound: we strive to empower individuals and families by offering exceptional financial services while fostering community support and engagement. We understand that banking goes beyond numbers; it's about building relationships and creating opportunities for those we serve. Whether it's personal banking options like checking and savings accounts or loans for vehicles and mortgages, our focus is on helping you achieve your financial goals. We also recognize the importance of innovation in today's fast-paced world. While we may not have ATMs or drive-thru services at this time, we offer online banking and mobile payment solutions for convenient access to your accounts anytime. Our operating hours are Monday through Friday from 11 AM to 4 PM, making it easy for you to visit us when you need assistance.

Branch Location & Accessibility

Welcome to the Northeast Community branch, located at 288 Jones St in the heart of San Francisco, CA! Our branch is easily accessible and conveniently situated near popular landmarks such as the historic Westfield San Francisco Centre and the vibrant Union Square. Whether you're a local or just visiting, we strive to make your banking experience smooth and enjoyable. If you need to send any official correspondence, feel free to use our mailing address at 683 Clay St, San Francisco, CA 94111. We're committed to providing a welcoming environment with easy access for everyone. Our branch is designed with ADA compliance in mind, featuring ramps and other accessibility options to ensure that all members can visit us without hassle. Our lobby hours are designed to fit your schedule come see us Monday through Friday from 11 AM to 4 PM. Although we do not offer ATM services or drive-thru banking at this location, our friendly staff is always ready to assist you with personal banking needs like checking and savings accounts, auto loans, mortgage refinancing, and much more. Parking can sometimes be a challenge in the city, but rest assured that you'll find ample street parking nearby. If you have questions or need assistance before your visit, don't hesitate to call us at 415-441-7283. We invite you to stop by and discover how Northeast Community can help you reach your financial goals!

Member Eligibility

At Northeast Community, we believe that joining our credit union is like becoming part of a caring family where your financial well-being matters. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the San Francisco area, you're likely eligible to join us. We're here to support you with personal banking solutions tailored to your needs, including checking and savings accounts, auto loans, and more. To learn more about our specific eligibility criteria and how you can start your membership journey, please check out this resource: Northeast Community Eligibility. If you're ready to open an account or have any questions, don't hesitate to give us a call at 415-441-7283. Our friendly team at 288 Jones St, San Francisco, CA 94102 is excited to welcome you!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine processing payments swiftly while managing your cash flow effectively. Our merchant services simplify transactions, allowing you to focus on what truly matters running your business. From credit card processing to online payment solutions, we ensure that your financial tools match your operational needs. Located at 288 Jones St, San Francisco, CA 94102, our team is here to provide personalized assistance and guidance tailored specifically for local businesses. If you're ready to take the next step in your business journey, give us a call at 415-441-7283. Let's work together to make your vision a reality!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $356,288, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options can help make that dream a reality. Whether you're buying new or used, we provide competitive rates and terms tailored to fit your budget. Imagine driving off in your new vehicle while knowing you've made a smart financial choice.

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to help your venture thrive. Whether you need funding for expansion or tools to manage transactions more efficiently, we've got you covered.

Credit Cards with Rewards

For those who like to earn rewards on their purchases, our credit cards with rewards program provides an excellent opportunity. You can earn points on everyday spending that can be redeemed for travel, merchandise, or cash back making every purchase rewarding!

Mortgage Loans & Refinancing

Homeownership is a significant milestone for many people. At Northeast Community, we offer mortgage loans and refinancing solutions that simplify the home-buying process. Our knowledgeable team will guide you through each step, ensuring you find the mortgage option that works best for your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms allow you to manage your finances on the go. From checking balances to depositing checks with just a few taps on your smartphone banking has never been easier! As part of our commitment to serve you better, we invite you to explore all these services and more at our branch in San Francisco. If you have questions or need assistance, don't hesitate to call us at 415-441-7283 during our lobby hours from Monday through Friday from 11 AM to 4 PM. Take charge of your financial future today with Northeast Community! We look forward to serving you soon!

Personal Banking

We understand that managing your day-to-day finances can sometimes feel overwhelming. That's why we offer checking and savings accounts designed for convenience and flexibility. With user-friendly online and mobile banking options, you can easily monitor your accounts, transfer funds, and pay bills from anywhere at any time.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, and that's where our personal loans and debt consolidation services come into play. If you need quick access to cash or want to simplify your monthly payments by consolidating debt, we're here to help you find the right solution.

Digital & Online Banking

Accessibility & Ease of Use

For members on the go, our digital tools ensure that you're never out of touch with your financial needs. Our mobile-friendly interface lets you conduct transactions from wherever you are without the need for a dedicated app. While our current offerings don't include a specific mobile application, the web platform is optimized for mobile use. We're committed to making banking accessible for everyone. So whether you're at home or out and about in San Francisco, you'll find it easy to stay on top of your financial life with Northeast Community. Explore all that we have to offer by visiting us online at https://necfcu.weebly.com/ , and experience the convenience of modern banking today!

Key Features

Our online banking allows you to manage your accounts with just a few clicks. Whether you're checking balances, transferring funds, or paying bills, everything is straightforward and user-friendly. You can even make mobile payments with ease, giving you the flexibility to pay for things directly from your smartphone. Though we currently don't offer electronic signatures or e-statements, we prioritize keeping your information secure while providing essential services. For those who prefer to send money directly to friends or family, person-to-person transfers are not available at this time, but our other features provide plenty of options for managing your finances effectively.

Financial Strength

A Committed Team

We also take pride in having 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team dedicated to your success.

Focused on You

Unlike traditional banks, we prioritize our members. With non-member deposits at $919,968, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Innovative Investments in Your Future

With $2,100,464 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals with $2,903,443 in total loans and leases, including $6 in used auto loans.

Secure Savings Options

Members' savings are secured through $1,993,169 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to your savings means you can trust us to help grow your wealth safely.

Solid Financial Health

With a net worth of $4,842,893, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 31.61% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

Total Share and Deposit Accounts stand at 1,023, showing a strong and growing member base that trusts us with their finances. Our operational efficiency is reflected in our current net income of $0, indicating how focused we are on supporting our members rather than maximizing profits. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northeast Community is your trusted partner. Visit us at 288 Jones St San Francisco Ca 94102 or call 415-441-7283 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $97,491 in new vehicle loans and $82,987 in used vehicle loans, helping members get on the road with ease. Whether you're financing a brand-new model or a reliable pre-owned vehicle, our flexible terms can fit your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $356,288 provide the capital needed to grow and expand your business. We understand the challenges entrepreneurs face and are here to support your journey. If you're interested in refinancing or exploring eligibility options for any of these products, please reach out to us at (415) 441-7283. Our team is ready to assist you with personalized solutions tailored to your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at our branch located at 288 Jones St, San Francisco, CA 94102, where our dedicated staff is here to guide you through every step of the loan process. Let's work together towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $3,707, ensuring that you have access to the funds needed for your dream home.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. While currently there are no outstanding balances in this category, our offerings are designed to help members manage their finances effectively when they need it most.

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of using LendMesh is that it does not feature sponsored listings. Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Additionally, users benefit from real-time rate comparisons, ensuring they have access to up-to-date loan rates from multiple institutions. This empowers them to make well-informed choices about their borrowing options. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback illustrates how LendMesh effectively aids borrowers in navigating their options. 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.

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 means that every loan offer you see is fair and transparent. By gathering information from legitimate financial institutions, LendMesh provides verified data that users can trust.

NORTHEAST COMMUNITY FEDERAL CREDIT UNION