Operating Engineers Local Union #3 Stockton CA Credit Union

Introduction

Welcome to Operating Engineers Local Union #3, your trusted partner in financial wellness since 1963. Nestled in the heart of Stockton at 1916 N Broadway Ave, Stockton, CA 95205, we have proudly served our community for over six decades, helping members achieve their financial goals and dreams. With a growing membership of 110,959 and total assets exceeding $1,495,481,249, we are committed to providing exceptional service and support tailored to your needs. At Operating Engineers Local Union #3, we understand that navigating financial choices can be challenging. That's why our dedicated team of 193 employees is here to guide you every step of the way, whether you're looking for personal banking options like checking and savings accounts or exploring loans for vehicles and mortgages. Our CEO, Jeff Hampton, along with Board President Dan Reding, leads our organization with a focus on community impact and member satisfaction. While members can visit us at our main branch location, official correspondence should be sent to the same address: 1916 N Broadway Ave, Stockton, CA 95205. We invite you to explore our wide range of services designed to enhance your financial journey. From competitive auto loans (with over 44,774 loans facilitated) to robust online and mobile banking options, we strive to make banking easier for you. With total deposits reaching $99,178,769 and net worth standing strong at $228,423,191, you can trust that your finances are secure with us. We also maintain a healthy cash reserve of $11,480,957, ensuring that we are ready to meet your needs whenever they arise. We encourage you to reach out! Call us at (209) 943-2455 or visit our website at oefederal.org for more information. Let's embark on this financial journey together!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we recognize the importance of digital advancements. Our online and mobile banking services make it easier than ever for members to manage their finances on-the-go. With features like electronic signatures and person-to-person payments, we ensure our services are not only convenient but also user-friendly.

Community Engagement

We take pride in our community partnerships and outreach efforts that help support local programs and initiatives. Our goal is not just about numbers; it's about building relationships and making a meaningful impact in Stockton and beyond. Join us today at Operating Engineers Local Union #3 and discover how we can help you achieve your financial goals while being part of a community-focused organization. Together, let's build a brighter future! For any inquiries or assistance, feel free to reach out at 209-943-2455.

Our Mission

Our mission is clear: to offer our members not just financial products but also support and guidance in their financial journeys. We strive to create an inclusive environment where everyone feels welcome and valued. Beyond banking, we actively engage in community outreach initiatives aimed at uplifting those around us. We believe that when our community thrives, we all benefit. While members can visit us at 1916 N Broadway Ave, official correspondence should be sent to the same address for convenience. Our operating hours are designed to accommodate your busy schedule: Monday through Thursday from 8:50 AM to 5:00 PM and Friday from 9:30 AM to 6:00 PM, although we do take a lunch break daily from 1:00 PM to 2:00 PM.

Branch Location & Accessibility

Welcome to the Operating Engineers Local Union #3 Stockton Branch, conveniently located at 1916 N Broadway Ave, Stockton, CA 95205. This central spot makes it easy for members and prospective members to access our services. Whether you're just down the street or coming from a nearby landmark like the San Joaquin County Fairgrounds, we are ready to assist you with all your banking needs. While members can visit us at this address, official correspondence should be sent to the same address: 1916 N Broadway Ave, Stockton, CA 95205. Our branch is designed with your convenience in mind. We offer accessible parking options and facilities that comply with ADA standards, ensuring everyone can visit us comfortably. Our doors are open Monday through Thursday from 8:50 AM to 5:00 PM, and on Friday from 9:30 AM to 6:00 PM. Please note that we take a lunch break daily from 1:00 PM to 2:00 PM when we are closed. This schedule allows us to serve you efficiently while providing our team with necessary downtime. At our Stockton Branch, you can explore a range of personal and business banking services. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. While we currently do not have ATM or drive-thru services available, our friendly staff is always on hand to help with transactions and inquiries during operating hours. If you have any questions or need assistance, don't hesitate to give us a call at 209-943-2455. We look forward to welcoming you soon!

Member Eligibility

At Operating Engineers Local Union #3, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family dedicated to helping you achieve your financial goals. Becoming a member is easy! If you live, work, or belong to a group within our local area, you're already eligible. We welcome everyone who has a connection to our community, making it simple for you to take advantage of the great benefits we offer. To learn more about the specific eligibility requirements, feel free to visit us online at . Once you're ready to join, opening an account at Operating Engineers Local Union #3 is just a step away. You can reach out to us at (209) 943-2455 for any questions or assistance, and we're here to help guide you through the process. Our friendly staff at our location on 1916 N Broadway Ave Stockton Ca 95205 looks forward to welcoming you in person and getting you started on your journey with us!

Business Banking & Commercial Services

Commercial Loans Tailored for 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 That Make Transactions Easy

In today's fast-paced market, having reliable merchant services can set you apart from the competition. Imagine being able to accept payments seamlessly, whether your customers pay with cards or mobile wallets. Our merchant services are designed to make transactions easy and efficient, allowing you to focus on what really matters growing your business. Located at 1916 N Broadway Ave Stockton Ca 95205 in Stockton, CA, we're here to empower your business every step of the way. Contact us today at (209) 943-2455 to learn more about how we can help you thrive!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are tailored to support your ventures. We understand the unique challenges businesses face and are here to help you thrive.

Embracing Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that let you manage your accounts anytime, anywhere. You can easily check balances, pay bills, or transfer money with just a few taps on your smartphone. And if you need cash on the go, our ATM and cash withdrawal services are readily available for your convenience. At Operating Engineers Local Union #3 in Stockton, CA, we believe that banking should fit into your lifestyle seamlessly. With our diverse range of services personal banking options like checking accounts and auto loans; support for businesses; plus easy online access we're committed to meeting all your financial needs. Ready to explore how we can assist you further? Give us a call at 209-943-2455 or visit us online at oefederal.org. Let us help you take the next step toward achieving your financial goals today!

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your day-to-day finances while also building your savings. If you're thinking about purchasing a car, our auto loans and vehicle financing options provide competitive rates and flexible terms to get you on the road quickly and affordably. Additionally, if you're considering buying a home or refinancing your existing mortgage, our mortgage loans can help make that dream a reality.

Support for Your Financial Goals

For those times when unexpected expenses arise or when you want to consolidate debt, our personal loans and debt consolidation services can provide relief and peace of mind. Plus, our credit cards with rewards not only give you spending power but also allow you to earn points for future purchases.

Digital & Online Banking

Always Accessible

With Operating Engineers Local Union #3's commitment to providing top-notch service, our online banking system ensures you have real-time access to your accounts. Whether it's checking balances or making quick transfers, we've got you covered around the clock. Your financial peace of mind starts here take advantage of our digital banking services today!

Key Features

Our online banking platform is user-friendly and packed with features to enhance your banking experience. You can view your account balances, transfer funds, and even manage your payments with just a few clicks. Plus, with our electronic signature authorization, signing documents has never been simpler or more secure. Say goodbye to printing and mailing forms; now you can handle everything electronically! We also provide e-statements so you can keep track of your finances without the clutter of paper statements. This not only helps the environment but also allows for easy access whenever you need to review your transactions.

Mobile Banking Made Easy

For those who prefer banking on their smartphones, our mobile application is available for download. Enjoy the same features as online banking with the added convenience of mobile payments making it easy to pay friends or merchants instantly through person-to-person transfers. Whether you're at home or out running errands, managing your money is just a tap away.

Financial Strength

At Operating Engineers Local Union #3, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our commitment to maintaining strong financial health, we are well-equipped to support you in achieving your financial goals. 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. 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. 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 significant; with $10,123 in used auto loans and a total of $853,823,618 in loans and leases, we support your financial goals across various sectors. Although our current net income is $0, this reflects our careful management strategies during recent times. 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 total share accounts stand at 215,859, showing a strong and growing member base that trusts us with their finances. 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 1916 N Broadway Ave Stockton Ca 95205 or call 209-943-2455 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.

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. We offer financing options for both new and used vehicles, ensuring you can find a plan that fits your budget.

Business Financing

If you're a business owner, our outstanding commercial loans totaling $13,269,242 provide the capital needed to grow and expand. We understand that businesses require tailored solutions, and our team is committed to helping local businesses thrive. At Operating Engineers Local Union #3, we believe everyone deserves access to financial resources that empower them. If you're interested in refinancing options or want to know about eligibility requirements for any of these loan products, don't hesitate to reach out. You can contact us at (209) 943-2455 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We are here to assist you with all your lending needs!

Credit Lines

For those needing extra flexibility in managing expenses, our credit lines totaling $285,394,089 are available. These credit lines give you the ability to access funds when needed without the hassle of applying for a new loan each time.

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

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. These cards provide you with purchasing power while allowing you to maintain control over your spending.

Loan Aggregator

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 rigorous sourcing process ensures that all loan offers are fair and transparent. Users can trust that they are viewing accurate information from reputable financial institutions.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The focus is solely on delivering unbiased results to help users find the best loan options available. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily compare offers and make informed choices that suit their financial needs. Thousands of users trust LendMesh for their 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 highlights the effectiveness of LendMesh as a reliable tool for finding competitive rates. 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.