Operating Engineers Local Union #3 Fairfield CA Credit Union

Introduction

Welcome to the Operating Engineers Local Union #3, your trusted financial partner located at 2540 N Watney Way, Fairfield, CA 94533. Since our establishment in 1963, we have proudly served our community by offering a wide array of financial services tailored to meet the diverse needs of our members. With a total membership of over 110,959 individuals, we are committed to providing reliable banking solutions that empower you to achieve your financial goals. Our credit union boasts impressive assets totaling $1,495,481,249 and deposits exceeding $99,178,769. This strong foundation enables us to offer competitive loan options, including personal loans and auto financing, with a total of 44,774 loans currently in service. Your trust in us is further reflected in our net worth of $228,423,191, which underscores our stability and commitment to serving you. At the helm of our branch is CEO Jeff Hampton, alongside Board President Dan Reding, who lead with a passion for fostering community relationships and ensuring member satisfaction. Our team of 193 employees is dedicated to providing exceptional service every day. We encourage you to reach out with any questions or visit us during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday, with a lunch break from 1:00 PM to 2:00 PM. While members can visit us at our branch location, official correspondence should be directed to the same address listed above. For more information about our services or to get started on your financial journey, please call us at (707) 425-4489 or explore our website at oefederal.org. Join us as we continue to make a positive impact in the lives of our members and the broader community!

Branch History & Mission

Commitment to Community

At Operating Engineers Local Union #3, we understand that our success is intertwined with the success of our community. We strive to be more than just a financial institution; we aim to be a partner in progress. Our outreach programs support local initiatives and foster community development. By collaborating with local organizations and participating in community events, we work tirelessly to uplift those around us. Our mission statement encapsulates this dedication: "To serve our members by providing exceptional financial services while fostering a strong sense of community." We take pride in being there for our members at every stage of their lives, whether they are saving for their first home or planning for retirement.

Modern Services for a Changing World

As times change, so do we. Our branch embraces modern technology while ensuring accessibility for all. We offer online and mobile banking services that allow members to manage their finances conveniently from anywhere. Our commitment extends beyond mere functionality; we ensure our digital platforms are user-friendly and ADA compliant so everyone can benefit from them. While you can visit us at 2540 N Watney Way for personalized service during our operating hours Monday through Friday from 9:00 am to 5:00 pm we also encourage you to reach out via phone at 707-425-4489 for any inquiries or assistance you may need. We invite you to join Operating Engineers Local Union #3 and experience the difference that community-focused banking can make in your life. Together, let's build a brighter future!

Branch Location & Accessibility

Contact Us

Have questions? Feel free to reach out at 707-425-4489. Our knowledgeable staff is eager to help you navigate your financial journey. We look forward to welcoming you to the Operating Engineers Local Union #3 branch soon!

Nearby Landmarks and Accessibility

Situated near major roads and local landmarks, getting to our branch is a breeze. If you're heading from the nearby shopping centers or parks, you'll find ample parking available right outside our doors. We are committed to ensuring that everyone can access our services easily, which is why our facility meets ADA compliance standards with features like ramps and designated parking spots.

Operating Hours and Services

Our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 9:00 AM to 5:00 PM, with a lunch break from 1:00 PM to 2:00 PM when we pause for a moment of refreshment. During these hours, you can take advantage of our wide range of personal banking services including checking and savings accounts, auto loans, mortgage options, and more! While we currently do not have ATM or drive-thru services available at this location, our team is ready to assist you with all transactions inside the branch. Whether you're interested in opening an account or need advice on loans and credit cards with rewards, we're here for you.

Member Eligibility

Becoming a member of Operating Engineers Local Union #3 is like joining a family that truly cares about your financial well-being. At our branch located at 2540 N Watney Way Fairfield Ca 94533, we welcome individuals who are part of the Operating Engineers Local Union #3 or their immediate family members. This means if you work with us or have a loved one who does, you're already on your way to enjoying all the benefits we offer. Membership at Operating Engineers Local Union #3 opens doors to personalized banking solutions, including great rates on loans and savings accounts tailored just for you. To learn more about specific eligibility criteria, feel free to check out our detailed information at . We're here to help make your transition easy and welcoming! If you have any questions or want to get started, give us a call at (707) 425-4489.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $9 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $13,269,242, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services that make everyday transactions smoother for your business. Imagine being able to accept payments from customers quickly and securely whether they're shopping online or at your storefront. Our services help streamline operations, allowing you more time to focus on what truly matters: growing your business. Located at 2540 N Watney Way Fairfield Ca 94533 in Fairfield, CA, we invite you to visit us or call us at (707) 425-4489 to learn more about how our business banking and commercial services can empower your success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Dreaming of a new car? Our Auto Loans & Vehicle Financing options make it easier than ever to hit the road in style. With competitive rates and flexible terms, we help you find the perfect loan that fits your budget. Imagine cruising down the highway with your new vehicle, knowing you secured a great deal!

Business Banking Options

At Operating Engineers Local Union #3, we don't forget about local businesses. Our Business Banking services include essential tools like Merchant Services and Business Loans. We know how vital it is for entrepreneurs to have access to funds and support, so we're here to help your business thrive.

Credit Cards with Rewards

For those who love to earn while they spend, consider our Credit Cards with Rewards program. Not only do these cards provide everyday purchasing power, but they also reward you for using them whether it's cash back or travel points! Picture yourself enjoying rewards just for making routine purchases.

Digital Banking Features

We pride ourselves on offering convenient banking solutions that fit into your busy life. With our robust Online & Mobile Banking platforms, accessing your accounts has never been easier. Check balances, transfer funds, or pay bills right from your phone or computer anytime, anywhere! In addition to these core offerings, we also provide essential ATM & Cash Withdrawal Services, ensuring you have access to your funds when you need them most. As part of our commitment to excellent service and accessibility, we're always available at (707) 425-4489 should you have any questions or need assistance with any of our products. Explore all that Operating Engineers Local Union #3 has to offer by visiting us at our location in Fairfield, CA, or check out more details on our website: Fairfield Branch. Let us partner with you in achieving your financial goals!

Home Financing

If homeownership is on your horizon, look no further than our Mortgage Loans & Refinancing services. We guide you through every step of the process, ensuring you feel confident about such an important investment. Plus, if you already own a home and want to lower your monthly payments, our refinancing options can help save you money.

Personal Banking Solutions

For those looking to manage their day-to-day finances, our Personal Banking services are tailored just for you. We offer various Checking & Savings Accounts that fit different lifestyles and goals. Whether you're saving for a vacation or managing monthly expenses, we have an account that suits your needs.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our Personal Loans & Debt Consolidation services offer a safety net when you need it most. By consolidating multiple debts into one manageable payment, we can help simplify your financial life and put you back on track.

Digital & Online Banking

Key Features for Your Convenience

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, you can easily manage your accounts in real-time. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick to send cash directly from your account. For those who prefer mobile banking, our mobile application is here to help. You can make payments, view e-statements, and even authorize electronic signatures all from the palm of your hand! And yes, we support mobile payments too, so you can shop with ease using your phone.

Security You Can Trust

Your security is our top priority. Our online banking services are protected with robust security measures to ensure that your information remains safe. We also provide electronic signature authorization for added peace of mind when completing transactions. With easy access to e-statements, you'll have all your financial documents neatly organized and readily available whenever you need them. No more clutter or waiting for the mail! At Operating Engineers Local Union #3, we aim to empower our members with tools that simplify their financial lives. Join us today and experience the convenience of modern banking at https://www.oefederal.org/ !

Financial Strength

Dedicated Team

We also take pride in having 188 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our staff is dedicated to helping you navigate your financial journey every step of the way.

Focused on Members

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. This commitment allows us to reinvest in our community while serving your financial needs effectively.

Growing Member Base

Total Share and Deposit Accounts: 215,859, showing a strong and growing member base that trusts us with their finances. Your confidence fuels our growth and inspires us to continuously enhance our services. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Operating Engineers Local Union #3 is your trusted partner. Visit us at 2540 N Watney Way Fairfield Ca 94533 or call (707) 425-4489 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $10,123 in used auto loans and $853,823,618 in total loans and leases. Whether you're purchasing a new vehicle or looking for other financing options, we're here to help.

Operational Efficiency

Our operational efficiency is evident with a net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. This reflects our commitment to ensuring that you receive the best value for your money.

Our Financial Health

With a net worth of $228,423,191, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,526 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment into Services

With $225,181,132 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This dedication translates into improved services and support tailored specifically for you.

Secured Savings

Members' savings are secured through $399,482,570 in share certificates and $131,430,702 in money market shares, offering stable and rewarding financial growth opportunities. We believe that your hard-earned money should work as hard as you do.

Loan Offering

Additional Offerings

For business owners, our outstanding commercial loans totaling $13,269,242 provide the capital needed to grow and expand. Additionally, we have personal loans available for debt consolidation or other personal needs. At Operating Engineers Local Union #3, we're committed to making financing straightforward and accessible. If you're considering refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. Our team is here to guide you through every step of the process. You can contact us at (707) 425-4489 or visit us at our branch located at 2540 N Watney Way Fairfield Ca 94533 in Fairfield, CA. 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 your next financial step with confidence!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $196,380,060 in used vehicle loans and $93,392,428 in new vehicle loans already helping members get on the road. We make the financing process easy so you can focus on choosing the right vehicle for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $58,242,792, make buying or refinancing simple. We provide competitive rates and flexible terms tailored to fit your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $44,556,755 in loans helping members manage their finances effectively. Our credit cards come with rewards that can make your everyday purchases even more rewarding.

Loan Aggregator

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OPERATING ENGINEERS LOCAL UNION #3 FEDERAL CREDIT UNION