Onpath Credit Union Ontario CA | Affordable Auto Loans & Mobile Banking

Introduction

Welcome to Ontario Montclair School Employees, where your financial well-being is our top priority. Located at 1520 N Palmetto Ave, Ontario, CA 91762, we have proudly served our community since 1961. With over 9,800 members and a commitment to personalized service, we're here to help you achieve your financial goals. At Ontario Montclair School Employees, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and credit cards with rewards. Our total assets exceed $165 million, demonstrating our stability and capacity to support you financially. You can rely on us for a total deposit amount of $7,830,998, ensuring your funds are secure and accessible. Our dedicated team of 29 employees, led by our CEO Madeline Stewart and Board President Milissa Checchi, is passionate about creating meaningful relationships with each member. Whether you're looking for advice on personal loans or seeking assistance with mortgage refinancing, we're here for you every step of the way. While members can visit us at 1520 N Palmetto Ave, official correspondence should be sent to PO Box 1697, Ontario, CA 91762. Don't hesitate to reach out; give us a call at (909) 983-1959 during our operating hours Monday and Friday from 9 AM to 6 PM, Tuesday through Thursday from 10 AM to 5 PM. Join us today at Ontario Montclair School Employees, where community banking meets personal service! Explore more about our offerings on our website at www.omsefcu.org, and discover how we can assist you in achieving your financial dreams.

Branch History & Mission

Welcome to Ontario Montclair School Employees, a credit union with a rich legacy that began in 1961. Located at 1520 N Palmetto Ave, Ontario, CA 91762, our branch has grown alongside the community it serves. Over the years, we have been dedicated to fostering financial well-being for our members, achieving remarkable milestones along the way. Today, we proudly support over 9,800 members with total assets amounting to $165,928,389. From our humble beginnings, Ontario Montclair School Employees has evolved into a trusted financial partner for educators and their families in Ontario and beyond. Our mission is clear: to provide exceptional financial services while also uplifting our community through outreach and support programs. We understand that banking is not just about transactions; it's about building lasting relationships based on trust and understanding. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to PO Box 1697, Ontario, CA 91762. We are open Monday from 9 AM to 6 PM, Tuesday through Thursday from 10 AM to 5 PM, and Friday from 9 AM to 6 PM. Although we do not currently offer ATM or drive-thru services, we are committed to providing convenient online and mobile banking options to meet your needs. Our commitment extends beyond traditional banking services; we actively engage in community outreach initiatives aimed at making a positive impact in the lives of our members. Through partnerships with local organizations and educational programs, we strive to empower individuals and families financially. At Ontario Montclair School Employees, we embrace technology to enhance your banking experience while ensuring accessibility for everyone. Our digital services include online banking and mobile payments, allowing you to manage your finances anytime and anywhere. Join us on this journey! Become part of a credit union that prioritizes its members' success and community growth. Experience the benefits of being part of Ontario Montclair School Employees today your financial future starts here! For more information or to open an account, call us at (909) 983-1959 or visit our website at omsefcu.org.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, featuring ADA-compliant entryways and ramps to ensure that everyone can visit us comfortably. We understand how important it is for our members to have a smooth experience, which is why we also provide ample parking space right outside our doors.

Call-to-Action

We invite you to stop by and see what we can do for you! Our team looks forward to welcoming you into our branch and helping you achieve your financial goals. Don't wait come visit us today!

Operating Hours

We want to make banking as convenient as possible for you. Our lobby hours are tailored to fit your schedule: join us on Mondays and Fridays from 9 AM to 6 PM, and Tuesdays through Thursdays from 10 AM to 5 PM. If you have any questions or need assistance during these times, don't hesitate to give us a call at 909-983-1959.

Services Offered

At Ontario Montclair School Employees, we offer a range of services designed with your needs in mind. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we strive to be your one-stop financial partner. Although we currently do not have ATM facilities or drive-thru banking available at this branch, our friendly staff is always ready to assist you in person. While members can visit us at 1520 N Palmetto Ave, please note that official correspondence should be sent to our mailing address: PO Box 1697, Ontario, CA 91762.

Member Eligibility

Welcome to the vibrant community at Ontario Montclair School Employees! Becoming a member is an exciting step that opens doors to a range of financial benefits and a supportive environment. To be eligible, you simply need to be affiliated with the Ontario Montclair School District, which includes employees, students, and family members. This means if you're connected in any way to the school system here, you're likely welcome to join our family! Joining us is straightforward and rewarding. You'll find competitive rates on loans, friendly service, and access to personalized financial resources designed just for you. If you want more detailed information about the eligibility criteria, feel free to check out our resource at http://www.vidafcu.org/about-us/membership. Ready to get started? You can open your account easily by visiting http://www.vidafcu.org/apply or calling us at (909) 983-1959 if you have any questions. We're here to help you every step of the way!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services offer practical solutions for everyday transactions. Picture this: you're running a busy café, and your customers want to pay quickly and easily. With our services, you can accept payments seamlessly and keep your lines moving. This not only enhances customer satisfaction but also helps streamline your operations. At Ontario Montclair School Employees located at 1520 N Palmetto Ave Ontario Ca 91762 in Ontario, CA, we're ready to help you navigate your business financing needs. Reach out at (909) 983-1959 to learn more about how we can support your business today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no member or non-member commercial loans, we're dedicated to exploring options that will empower local businesses in the future. Imagine a loan tailored just for your needs helping you purchase new equipment, hire staff, or even open a new location.

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and even deposit checks right from your smartphone! Plus, with our ATM and cash withdrawal services, accessing cash is quick and easy. At Ontario Montclair School Employees, we're not just about transactions; we're about building relationships. With personalized service from our friendly staff, you'll always feel welcome when you visit us at 1520 N Palmetto Ave Ontario Ca 91762 or call us at (909) 983-1959. Ready to take control of your financial future? We invite you to explore all that we offer at Ontario-montclair School Efcu. Join us today and experience the difference!

Personal Banking Made Easy

We understand that managing your finances can sometimes feel overwhelming. That's why at Ontario Montclair School Employees, we offer a variety of personal banking services tailored just for you. Our checking and savings accounts provide straightforward options with features that help you grow your savings while keeping your funds easily accessible. Imagine having a place where you can manage your day-to-day expenses effortlessly! Need to make a big purchase? Our auto loans and vehicle financing solutions ensure that you can get behind the wheel without breaking the bank. With competitive rates and flexible terms, driving off in your dream car can be a reality sooner than you think. If homeownership is on your mind, our mortgage loans and refinancing options are here to guide you through the process. We want to make buying or refinancing your home as smooth as possible, giving you peace of mind along the way.

Simplifying Your Financial Journey

Life can throw unexpected expenses at us, which is why our personal loans and debt consolidation services are designed to provide quick access to cash when you need it most. Whether it's an emergency or a planned expense, we've got your back. Looking for a credit card that rewards you? Our credit cards with rewards allow you to earn points on every purchase, giving you something back every time you swipe. For those who own a business or are thinking about starting one, our business banking services include merchant services and business loans tailored to support your entrepreneurial journey. We know how important it is for businesses to thrive, and we're here to help every step of the way.

Digital & Online Banking

Key Features

Our online banking services provide you with 24/7 access to your financial information. Whether you're checking balances, transferring funds, or paying bills, everything is at your fingertips. Plus, with the option for electronic signature authorization, signing documents has never been simpler or more secure. For those who prefer going paperless, we offer e-statements that keep you updated on your account activity without the clutter of physical mail. You can view your statements online whenever you need them.

Mobile Banking

In today's fast-paced world, mobile banking is essential. That's why we have a dedicated mobile application available for download. It allows you to manage your accounts right from your phone. Want to make payments quickly? Our mobile payments feature makes it easy to send money using just your smartphone. Need to send money to a friend? Use our person-to-person transfer service to move funds in real time without any hassle.

Security and Accessibility

We prioritize your safety with advanced security measures so you can bank confidently online. Our user-friendly interface ensures that even if you're not tech-savvy, navigating your accounts will be straightforward and efficient. With all these features available at Ontario Montclair School Employees, managing your finances has never been more accessible or secure. Experience the convenience of modern banking by visiting us at https://www.vidafcu.org/ today!

Financial Strength

Commitment to Growth

With $20,398,775 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 your financial goals with $2,638 in used auto loans and $83,403,960 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $33,090,324 in share certificates and $1,626,791 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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 27 full-time employees and 2 part-time employees who are dedicated to serving you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $20,398,775, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,229 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Membership Base

Total Share and Deposit Accounts: 20,779, show a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $192,257, highlighting our commitment to supporting our community's financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ontario Montclair School Employees is your trusted partner. Visit us at 1520 N Palmetto Ave Ontario Ca 91762 or call (909) 983-1959 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, with over $20,440,885 in used vehicle loans and $12,550,156 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used option, our loans can make it happen with ease.

Credit Lines

For those looking for extra flexibility in managing expenses, our credit lines totaling $4,000,000 offer an easy way to access funds when you need them. This service allows you to borrow as needed while only paying interest on what you use. Our team is here to assist you every step of the way. If you're interested in refinancing any existing loans or would like to explore eligibility options for any of our products, please don't hesitate to reach out. You can contact us at 909-983-1959 or visit us at 1520 N Palmetto Ave Ontario Ca 91762. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Ontario Montclair School Employees, we are dedicated to helping our members succeed financially because your goals matter to us!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,018,312, make buying or refinancing simple. We provide guidance throughout the process to ensure you find the best fit for your financial situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,222,991 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards that can enhance your spending power without added stress.

Loan Aggregator

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Ontario Montclair School Employees