Operating Engineers Local Union #3 San Leandro CA Credit Union | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to the Operating Engineers Local Union #3, your trusted credit union located at 14429 Catalina St, San Leandro, CA 94577. Since our establishment in 1963, we have proudly served over 110,959 members with a commitment to community and financial well-being. Our team is dedicated to providing personalized service and financial solutions that meet your needs. At Operating Engineers Local Union #3, we understand that every member's journey is unique. With total assets of $1,495,481,249, we have the strength and stability to support you in achieving your financial goals. Whether you're looking for a reliable checking account, an auto loan from our total loans portfolio of 44,774, or other lending options, we are here to help. With total deposits reaching $99,178,769 and a robust net worth of $228,423,191, you can trust us to safeguard your finances while providing excellent services such as online banking and mobile payments. Our CEO, Jeff Hampton, alongside Board President Dan Reding, leads a dedicated team of 193 employees who are always ready to assist you. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 14429 Catalina St, San Leandro, CA 94577-5515. We invite you to explore our wide range of services including personal loans and business banking options designed just for you. For any inquiries or assistance, feel free to reach out at 510-748-7400. Come visit us today or check out our website at oefederal.org to learn more about how we can support your financial journey!

Branch History & Mission

Community Commitment

The Operating Engineers Local Union #3 branch not only focuses on providing financial solutions but also prioritizes community engagement. Through various initiatives, we aim to give back by supporting local organizations and hosting events that bring people together. We understand that a healthy community is essential for everyone's success. As technology advances, so do we. Our digital banking options like online banking and mobile payments make it easier for you to manage your finances anytime and anywhere. Even though we currently don't have ATM or drive-thru services available at this location, we ensure that your experience with us remains convenient and user-friendly.

Join Us

While members can visit us at 14429 Catalina St for all their financial needs, official correspondence should be sent to 14429 Catalina St, San Leandro, CA 94577-5515. Our doors are open from 9:00 am to 5:00 pm Monday through Friday (closed daily from 1:00 pm to 2:00 pm). We invite you to become part of the Operating Engineers Local Union #3 family. Experience firsthand how we can help you achieve your financial goals while being an active participant in strengthening our community. For more information about joining us or our services, call us at (510) 748-7400 or visit our website. Your journey towards better financial health begins here!

Our Journey

From modest beginnings, the Operating Engineers Local Union #3 has become a trusted financial partner for countless individuals and families in the area. With total assets exceeding $1.4 billion, we take pride in offering a wide range of services tailored to support both personal and business financial goals. Over the years, we've expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. Our mission is simple yet profound: to empower our members through exceptional financial services while actively contributing to our community's well-being. We believe that when our members thrive, so does our community. This commitment is reflected in our outreach programs and partnerships that aim to uplift those around us.

Branch Location & Accessibility

Accessibility and Amenities

At our San Leandro branch, accessibility is a priority. We have dedicated parking available and features that comply with ADA standards, ensuring that everyone can comfortably access our services. Our friendly staff is always ready to help, whether you need assistance inside the lobby or have questions about our offerings.

Operating Hours

We understand that life can get busy, which is why we keep our doors open Monday through Friday from 9:00 am to 5:00 pm. Please note that we take a brief pause daily from 1:00 pm to 2:00 pm for lunch. This gives us time to recharge so we can provide you with the best service possible when you visit.

Services Offered

At this branch, we offer a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we're equipped to help you achieve your financial goals. You can also take advantage of our online and mobile banking options for convenience on the go! If you need any assistance or want to learn more about what we offer, don't hesitate to reach out! You can give us a call at 510-748-7400 or drop by during our operating hours. We look forward to serving you soon!

Member Eligibility

At Operating Engineers Local Union #3, we believe that everyone deserves a chance to be part of a caring and supportive financial community. If you live or work in the area, or are affiliated with the Operating Engineers Local Union #3, you're likely eligible to join us! Membership is open to individuals who meet specific criteria outlined on our website. We invite you to explore these details at for the most accurate and up-to-date information. Becoming a member at Operating Engineers Local Union #3 means gaining access to a range of valuable services like personal banking, auto loans, and online banking all designed with your needs in mind. Plus, you can count on our friendly staff to guide you through the easy account-opening process. If you have any questions, don't hesitate to reach out at (510) 748-7400. We look forward to welcoming you to our community!

Business Banking & Commercial Services

Business Loans That Empower Growth

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 for Everyday Success

Imagine running your business without worrying about payment processing. Our merchant services make it easy for you to accept payments seamlessly, allowing you to focus on what you do best serving your customers. From credit card processing to online transactions, we provide the tools that keep your cash flow healthy. At Operating Engineers Local Union #3, we're dedicated to being more than just a bank; we're your partner in success. Visit us at 14429 Catalina St San Leandro Ca 94577 or call us at (510) 748-7400 to learn how we can help your business thrive today!

Comprehensive List Of Services

Consolidate and Simplify

Life can get complicated with debt, but it doesn't have to be. Our Personal Loans & Debt Consolidation services provide an opportunity to simplify your finances. By consolidating multiple debts into one manageable payment, you can reduce stress and focus on what truly matters.

Convenient Access Anytime

Accessibility is key in today's fast-paced world. That's why we emphasize our digital banking features such as Online & Mobile Banking, allowing you to manage your accounts anywhere at any time. You can deposit checks, pay bills, and even send money to friends through our convenient apps. For any inquiries or assistance, feel free to reach out to us at 510-748-7400 during our lobby hours from 9:00 am - 5:00 pm Monday through Friday (closed from 1:00 pm - 2:00 pm daily). We invite you to visit us at our San Leandro location and discover how Operating Engineers Local Union #3 can assist you with all your financial needs. Take the first step towards smarter banking today! Visit us online at oefederal.org for more information on our services and how we can serve you better.

Financing Your Dreams

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing services are tailored to help you get behind the wheel without hassle. With competitive rates and flexible terms, we support you every step of the way. Additionally, if homeownership is on your mind, explore our Mortgage Loans & Refinancing options that can help make your dream home a reality.

Personal Banking Made Easy

We understand that managing your money should be straightforward. That's why we offer Personal Banking options, including Checking & Savings Accounts that cater to different lifestyles. Whether you need a basic account for daily transactions or a savings account to grow your funds, we have you covered. Imagine easily transferring funds from your checking to savings account right from your phone our Online & Mobile Banking features make it possible!

Rewarding Credit Options

For those who enjoy rewards while they spend, check out our Credit Cards with Rewards program. It's designed to give back as you shop whether it's for groceries, travel, or everyday purchases.

Support for Businesses

If you're a business owner, our Business Banking services offer essential tools like Merchant Services & Business Loans. We aim to support local businesses by providing the financial resources needed for growth and success.

Digital & Online Banking

Key Features

Our online banking services allow you to check your account balances, transfer funds, and pay bills with just a few clicks. Plus, if you prefer to handle things on the go, our mobile application is available for download, making it easier than ever to manage your finances directly from your smartphone. Need to send money quickly? Our person-to-person transfer feature lets you send funds easily and securely to friends or family without any hassle. And for those who want to keep track of their spending and reduce paper clutter, e-statements are available so you can view your monthly statements online.

Security You Can Trust

We know security is a top priority for our members. That's why we provide electronic signature authorization for various transactions, giving you peace of mind when conducting business online. Our systems are equipped with the latest technology to protect your information and ensure safe transactions. At Operating Engineers Local Union #3, we believe that banking should fit into your lifestyle. Whether you're at home or on the move, our digital banking services provide convenience and flexibility while keeping your information secure. Join us today and experience the ease of managing your finances with confidence!

Financial Strength

Commitment to Reinvestment

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. Our lending capacity is robust; with $10,123 in used auto loans and an impressive total of $853,823,618 in loans and leases, we support our members' financial goals across various sectors.

Growing Member Base

Our community continues to grow stronger with a total of 215,859 share accounts, showing a strong and growing member base that trusts us with their finances. This growth is a testament to the value we provide through 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 14429 Catalina St San Leandro Ca 94577 or call 510-748-7400 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.

Member-Centric Savings Options

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. 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 operational efficiency shines through with $0 net income, reflecting our commitment to providing value to our members rather than focusing solely on profit. We 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 and committed team.

Strong 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 1526 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 $196,380,060 in used vehicle loans and $93,392,428 in new vehicle loans already helping members get on the road. Whether you are interested in financing a brand-new car or a reliable used vehicle, our flexible terms make it easy for you to drive away in the vehicle that suits your lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $13,269,242 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment or inventory, we have tailored solutions that can help propel your business forward.

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 various benefits designed to enhance your spending power while keeping your budget on track.

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 tailored solutions to meet your needs and ensure that the path to owning a home is as smooth as possible.

Refinancing Options

If you're considering refinancing existing loans for better rates or terms, we can assist with that too. We believe everyone deserves an opportunity for financial improvement through responsible lending practices. At Operating Engineers Local Union #3, we prioritize transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. For more information about any of our loan products or to discuss how we can help meet your specific needs, feel free to contact us at 510-748-7400 or visit us at our branch located at 14429 Catalina St San Leandro Ca 94577. We're here to help you every step of the way!

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OPERATING ENGINEERS LOCAL UNION #3 FEDERAL CREDIT UNION