Oceanair Credit Union Oxnard CA | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Oceanair, your trusted financial partner located at 2151 E Gonzales Rd, Oxnard, CA 93036. Since our establishment in 1952, we have proudly served our community with a commitment to exceptional member service and financial well-being. With over 28,166 members, we strive to provide personalized banking solutions that cater to the diverse needs of our members. At Oceanair, we understand that financial stability is essential for everyone. That's why we've built our foundation on trust and transparency, with total assets amounting to an impressive $866,325,409. Our robust portfolio includes $91,776,493 in total deposits and over 16,144 loans and leases, demonstrating our dedication to supporting both personal and business financial goals. Under the leadership of CEO Rick Weber and Board President Timur Taluy, we foster a culture of community involvement and financial education. Our team of 125 employees is here to assist you with everything from checking accounts to vehicle financing, ensuring you have access to the resources you need when you need them. While members can visit us at our branch location, official correspondence should be directed to our mailing address at CBC Federal Credit Union, Oxnard, CA 93036. We invite you to explore our wide range of services designed for both personal and business banking needs. Whether you're interested in opening a new account or seeking advice on loans or investments, we're here to help you navigate your financial journey. Don't hesitate to reach out give us a call at 805-988-2151 or visit us online at Oceanair.org. Together, let's achieve your financial dreams!

Branch History & Mission

Community Commitment

Our dedication extends beyond banking. At Oceanair, we actively engage in outreach programs that empower individuals and families within Oxnard. Whether through educational workshops or financial literacy initiatives, we aim to equip our members with the knowledge they need to thrive. While you can visit us at our physical location for assistance during our operating hours Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM official correspondence should be sent to CBC Federal Credit Union, Oxnard, CA 93036 if necessary.

Join Us!

As we look towards the future, Oceanair remains committed to growing alongside our members and the vibrant community of Oxnard. We invite you to join us on this journey toward financial empowerment and community support. Experience the benefits of membership today by visiting us or exploring more online at oceanair.org. Together, let's build a brighter tomorrow!

Our Journey

From our humble beginnings more than 70 years ago, Oceanair has evolved to meet the changing needs of our members and the community. Located at 2151 E Gonzales Rd, Oxnard, CA 93036, we are easily accessible to those in need of personal banking services. Our branch features both an ATM and a drive-thru service for convenience. Throughout the decades, we have celebrated numerous milestones, including expanding our range of services to include personal banking accounts, auto loans, mortgages, and business loans. We pride ourselves on being more than just a financial institution; we are a community hub that supports local initiatives and partnerships aimed at uplifting our neighborhoods.

Our Mission

At Oceanair, our mission is simple yet profound: to provide our members with affordable financial solutions while fostering a strong sense of community. We understand that financial health goes hand-in-hand with personal well-being. That's why we offer services designed not only to meet your banking needs but also to support you in achieving your dreams whether it's buying a home, financing a vehicle, or starting a business. We believe that everyone deserves access to reliable financial services without barriers. This is why we emphasize ADA compliance and strive to make our services user-friendly for all members. Additionally, with advancements like online banking and mobile applications, managing your finances is easier than ever.

Branch Location & Accessibility

Welcome to Oceanair, your friendly neighborhood credit union located at 2151 E Gonzales Rd in beautiful Oxnard, CA. Our branch is easy to reach and conveniently situated near local landmarks, making it a breeze for you to visit us. Whether you're coming from the bustling shopping centers or nearby parks, you'll find our location accessible and welcoming. At Oceanair, we understand that convenience matters. That's why our branch features ample parking and is designed with accessibility in mind, ensuring everyone can easily access our services. We're proud to offer a drive-thru banking option for those who prefer quick and efficient service without leaving their vehicle. Plus, our ATM is available for your cash withdrawal needs whenever you need it. Our operating hours are designed to fit your busy schedule: we're open Monday through Thursday from 9 AM to 5:30 PM and on Friday until 6 PM. Feel free to stop by during these times, whether you're looking to open an account, inquire about loans, or just have a friendly chat with our team. If you need assistance outside of these hours, don't hesitate to give us a call at 805-988-2151; we're here to help! While members can visit us at 2151 E Gonzales Rd for all their banking needs, please note that official correspondence should be sent to CBC Federal Credit Union at the same address. We look forward to serving you and becoming your trusted financial partner in Oxnard!

Member Eligibility

Joining the Oceanair family means becoming part of a community that values your financial well-being. To become a member of Oceanair, you just need to meet a few simple eligibility criteria. Generally, individuals who live, work, or attend school in the area can sign up, making it easy for many to join us. Plus, we welcome family members of existing members as well! This means you can share the benefits of membership with your loved ones. As a member of Oceanair, you'll enjoy a range of services designed to help you achieve your financial goals from checking and savings accounts to personal loans and credit cards. Getting started is straightforward! If you're ready to open an account or want to learn more about membership requirements, feel free to give us a call at (805) 988-2151 or visit our detailed eligibility page at . You can also kick off your membership journey by visiting our account opening page at https://online.oceanair.org/oceanaironline_e2e/enroll.html . We're located at 2151 E Gonzales Rd Oxnard Ca 93036, and we look forward to welcoming you into our community!

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: - We've funded over $88 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $49 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $107,031,921, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to loans, our merchant services simplify transactions so you can focus on what matters most running your business. Imagine accepting payments quickly and easily, allowing you to serve your customers better. With tools that streamline payment processes, your cash flow stays healthy, and your operations run smoothly. Located at 2151 E Gonzales Rd Oxnard Ca 93036 in Oxnard, CA, we're here to help you take your business further. Reach out at (805) 988-2151 or visit us today!

Comprehensive List Of Services

Access When You Need It

We also recognize the importance of accessibility in banking. Our branch offers both ATM services for quick cash withdrawals and balance checks as well as basic drive-thru banking for deposits and simple transactions without needing to leave your vehicle. In summary, whether you're interested in personal banking solutions or business services, Oceanair is committed to providing comprehensive support tailored just for you. We invite you to visit us at our Oxnard location or reach out via phone so we can help guide you on your financial journey today!

Banking Anytime, Anywhere

In today's fast-paced world, convenience is key. That's why we have invested heavily in our online and mobile banking platforms, allowing you to manage your accounts from anywhere with ease. You can perform transactions, check balances, and pay bills all from your smartphone or computer.

Empowering Businesses

For business owners, we provide essential tools through our business banking services. This includes everything from merchant services that help you process payments efficiently, to tailored business loans that support growth and expansion.

Personal Banking Made Simple

We offer a variety of personal banking options that cater to your everyday needs. Our checking and savings accounts come with features designed to help you save more while enjoying easy access to your funds. If you're in the market for a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms to get you on the road quickly. Homeownership is a significant milestone, and that's why we also offer mortgage loans and refinancing solutions. We make it straightforward for you to secure your dream home or refinance an existing mortgage for better rates. Additionally, if you're looking to consolidate debt or finance a personal project, our personal loans are here to assist.

Rewarding Your Loyalty

At Oceanair, we value our members. Our credit cards with rewards program allows you to earn points on your purchases, making every dollar spent work harder for you.

Digital & Online Banking

Key Features

One of the standout features is our 24/7 online banking service, which allows you to check balances, pay bills, and transfer funds whenever you need to. You can also enjoy the benefits of e-statements, which provide a quick and eco-friendly way to keep track of your financial activity without the clutter of paper statements. Plus, with our electronic signature authorization, signing documents is as simple as clicking a button no more printing and mailing required! If you need to send money quickly to friends or family, our person-to-person transfers make it easy. Just a few taps on your smartphone or clicks on your computer can get money where it needs to go in no time. For those who prefer mobile banking, we offer a user-friendly mobile application that brings all these features right to your fingertips. While mobile payments are not currently available, you'll still find everything you need for managing your accounts effectively.

Security and Ease of Use

Your security is our top priority. We implement advanced security measures across all our digital platforms so that you can bank with confidence. Our systems are designed not only to protect your information but also to provide a smooth experience whether you're logging in from home or using public Wi-Fi. With real-time account management at your disposal, keeping track of your finances has never been easier or more secure. At Oceanair, we're committed to providing you with all the tools necessary for effective financial management right from the comfort of your own home or wherever life takes you!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 118064, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $204651, highlighting our ability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Oceanair is your trusted partner. Visit us at 2151 E Gonzales Rd Oxnard Ca 93036 or call 805-988-2151 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $239,085,329 in share certificates and $76,907,659 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $64,103,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

While our net income is currently $0, this reflects our operational efficiency as we continue to focus on building resources for future growth. We also take pride in having 121 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting in Our Community

With $55,706,607 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 $2411 in used auto loans and $676065264 in total loans and leases.

Strong Financial Position

With a net worth of $67,456,539, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 778 further 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 $31,636,875 in used vehicle loans and $15,530,198 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, making it easier than ever to get behind the wheel of your dream car.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $11,672,679, make buying or refinancing simple. We aim to make the process straightforward and stress-free, allowing you to focus on creating memories in your new home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $21,184,037 in loans helping members manage their finances effectively. These cards provide an excellent way to build credit while enjoying perks and rewards tailored just for you.

Loan Aggregator

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OCEANAIR FEDERAL CREDIT UNION - Oxnard, CA