Organized Labor Credit Union Modesto CA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Organized Labor Credit Union, your trusted financial partner located at 2112 McHenry Ave, Modesto, CA 95350. Established in 1974, we have been proudly serving our community for nearly five decades, building strong relationships with our 3,437 members along the way. With total assets of $35,884,587 and a commitment to member satisfaction, we strive to provide personalized banking solutions that meet the diverse needs of our community. At Organized Labor Credit Union, we understand that financial decisions can be overwhelming. That's why we're here to guide you through every step, offering services such as personal banking, auto loans, mortgage financing, and business banking options. Our dedicated team of six employees, led by CEO Sara Klein and Board President Ed Dicochea, is ready to assist you with any inquiries or concerns. While members can visit us at our branch location, official correspondence should be sent to the same address: 2112 McHenry Ave, Modesto, CA 95350. We invite you to explore what we have to offer and see how our financial products can help you achieve your goals. With a robust net worth of $3,364,321 and total deposits amounting to $3,515,862, we are committed to maintaining a secure and reliable environment for your financial needs. Whether you're looking for savings accounts or loans like our popular auto financing options totaling 1,148 loans we're here to help you navigate your choices. Don't hesitate to reach out! Call us at (209) 527-8731 or visit our website at Organized Labor Credit Union for more information on how we can support your financial journey. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Welcome to Organized Labor Credit Union, a cornerstone of the Modesto community since 1974. With a rich legacy spanning over four decades, we have grown alongside our members, adapting to their needs while staying true to our mission of supporting local families and businesses. Nestled at 2112 McHenry Ave, Modesto, CA 95350, our branch is more than just a financial institution; it's a hub for community connection and empowerment. As we opened our doors in 1974, we aimed to provide accessible financial services tailored to the unique needs of our members. Today, with a total membership of 3,437 and assets exceeding $35,884,587, we remain committed to fostering financial well-being in the heart of Stanislaus County. At Organized Labor Credit Union, our mission is clear: to deliver exceptional banking services while prioritizing the financial health of our members. We believe that everyone deserves access to quality financial products and support. Our offerings include personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also provide business banking services designed to help local enterprises thrive. We understand the importance of convenience in today's fast-paced world. That's why we are proud to offer online and mobile banking services alongside ATM availability for easy access to your funds. Our operating hours are designed with you in mind: Monday from 9 AM to 4:30 PM, Tuesday and Wednesday from 10 AM to 3:30 PM, Thursday from 10 AM to 4:30 PM, and Friday from 9:30 AM to 5:30 PM. While members can visit us at 2112 McHenry Ave, official correspondence should be sent to the same address as our mailing address. Our commitment goes beyond just transactions; we actively engage in community outreach efforts that support local initiatives and partnerships that uplift those around us. As part of our dedication to inclusivity, we ensure ADA compliance across all services offered in our branch. We invite you to explore how we can help you achieve your financial goals through personalized service and community-focused initiatives. Join us at Organized Labor Credit Union today! Experience the benefits of being part of a credit union that values its members above all else. For any inquiries or assistance, feel free to contact us at 209-527-8731. Together, let's build a brighter financial future for you and your family!

Branch Location & Accessibility

Welcome to the Organized Labor Credit Union, conveniently located at 2112 McHenry Ave in beautiful Modesto, CA. Nestled in Stanislaus County, our branch is easily accessible and surrounded by familiar landmarks that make it a breeze to visit. Whether you're coming from downtown or the nearby neighborhoods, you'll find us just a short drive away. At our branch, we prioritize your convenience. We offer ample parking to ensure that your visit is hassle-free. If you need assistance, our facility is fully ADA compliant, featuring ramps and accessible entrances for everyone. Our friendly staff is always ready to help you with any of your banking needs. We're open Monday through Friday, with lobby hours designed to fit your schedule: from 9 AM to 4:30 PM on Mondays and Fridays, and 10 AM to 3:30 PM on Tuesdays and Wednesdays. On Thursdays, we extend our hours until 4:30 PM. Whether you're stopping by for personal banking services like checking and savings accounts or exploring options for auto loans and mortgages, we're here during those convenient times. While members can visit us at our main address, official correspondence should be sent to the same location: 2112 McHenry Ave, Modesto, CA 95350. You can reach us anytime at (209) 527-8731 if you have questions or need assistance before your visit. Additionally, we proudly provide ATM services for quick cash withdrawals and balance checks. Although we do not have a drive-thru service currently available, we're committed to making your banking experience as smooth as possible inside our welcoming branch. Come see why so many in Modesto trust the Organized Labor Credit Union for their financial needs! We look forward to serving you soon.

Member Eligibility

At Organized Labor, we believe that everyone deserves to be part of a caring and supportive community. If you're looking to join us, becoming a member is simple and welcoming! To qualify for membership, you just need to meet a few friendly criteria. Typically, anyone who works for or is affiliated with an organized labor group can become a member. This means if you're part of a union or have family members in one, you're already on the right track. Being a member at Organized Labor opens up a world of financial services tailored just for you, from checking and savings accounts to auto loans and more. Ready to take the next step? You can find all the details about eligibility by visiting our website at http://www.olcu.org/membershipagreement. If you're excited to open your account or have any questions, feel free to give us a call at (209) 527-8731. We can't wait to welcome you into our family at Organized Labor, located conveniently at 2112 Mchenry Ave Modesto Ca 95350!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services offer practical solutions tailored for everyday operations. Imagine being able to accept payments effortlessly whether it's through card transactions or online sales allowing you to focus on what truly matters: growing your business. Located at 2112 Mchenry Ave Modesto Ca 95350, Modesto, CA 95350, we're here to empower your business every step of the way. For more information, give us a call at (209) 527-8731 or visit our website at Organized Labor Credit Union. Let's build your success together!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a pinch? Our ATM services allow you to withdraw cash and check balances with ease at locations nearby. Enjoy hassle-free access to your funds whenever you need them. At Organized Labor, we're committed to providing comprehensive financial solutions for all stages of life. For more information about any of these services or how we can assist you further, feel free to reach out to us at (209) 527-8731 or visit our website at Organized Labor Credit Union. Let us be part of your financial success story!

Auto Loans & Vehicle Financing

If you're thinking about purchasing a new car or refinancing your current one, our auto loans are here to support you. With competitive rates and flexible terms, we make financing straightforward. Picture yourself behind the wheel of your dream vehicle without the stress of complicated paperwork.

Business Banking

For small business owners, we offer specialized services like merchant services and business loans. We understand how crucial it is to have reliable financial support when running a business, so we strive to provide resources that can help you grow.

Credit Cards with Rewards

Our credit cards come with rewards that let you earn points for every purchase you make. Whether you're shopping for groceries or planning a vacation, enjoy the benefits while building credit at the same time!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. At Organized Labor, we provide mortgage loans and refinancing options that can help turn your dreams into reality. Our knowledgeable staff will guide you through every step, ensuring you find the right loan that fits your budget.

Online & Mobile Banking

Convenience is key in today's fast-paced world. With our online and mobile banking features, accessing your account is just a few clicks away. You can check balances, transfer funds, and pay bills anytime and anywhere perfect for busy lifestyles!

Personal Banking

Managing your day-to-day finances is simple with our personal banking services. We offer both checking and savings accounts that help you keep track of your money while earning interest on your savings. Imagine effortlessly managing your bills and expenses online or through our mobile banking app, making it easier than ever to stay on top of your finances.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans can help you cover those costs quickly and easily. Additionally, if you're feeling overwhelmed by multiple debts, consider our debt consolidation options to simplify your payments into one manageable monthly bill.

Digital & Online Banking

At Organized Labor, we understand that convenience and security are essential when it comes to managing your finances. That's why we offer a range of digital and online banking services designed to make your banking experience as smooth and accessible as possible. With our 24/7 online banking services, you can access your accounts anytime, anywhere whether you're at home, at work, or on the go. You can easily manage your finances through our online platform available at https://organizedlaborcu.org/. From checking your account balances to transferring funds, everything is just a few clicks away. Plus, with our e-statements feature, you can say goodbye to paper clutter and access your statements electronically whenever you need them. It's an eco-friendly option that also provides you with quick access to your financial information. Our user-friendly mobile application makes banking even easier. You can download it today and enjoy features like mobile payments allowing you to make secure purchases directly from your phone. Although we currently do not support person-to-person transfers, you can still take advantage of our reliable online services for all your other banking needs. For added security, we ensure that all transactions are protected. While electronic signature authorization is not available right now, we prioritize the safety of your data every step of the way. In today's fast-paced world, having real-time access to your account means you're always in control. Join us at Organized Labor and experience the convenience of modern banking tailored just for you!

Financial Strength

At Organized Labor, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, knowing your financial institution is strong can provide peace of mind. With a net worth of $3,364,321, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $938 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 $1,640,000 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have no money market shares, our focus remains on delivering value to our members through various other means. 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 $3,161,653 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our commitment to supporting your financial goals is evident with $331 in used auto loans and a total of $14,735,164 in loans and leases available for our members. This robust lending capacity allows us to help you achieve your dreams whether that's buying a car or pursuing other personal ambitions. Our operational efficiency is reflected in our $202,668, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees who are dedicated to providing personalized service every day. With a total of 5,031 share accounts, we have built a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,058,794 demonstrate our ability to reinvest into the community while maintaining financial stability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Organized Labor is your trusted partner. Visit us at 2112 Mchenry Ave Modesto Ca 95350 or call (209) 527-8731 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 $5,298,477 in used vehicle loans and $1,774,011 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, our flexible terms are designed to meet your needs.

Credit Lines

For those looking for more flexible borrowing options, our total credit lines amount to $6,000,000. This allows you to borrow as needed while only paying interest on what you use ideal for unexpected expenses or planned purchases. Our commitment to serving our members is reflected in every loan product we offer. Whether you're applying for an auto loan or exploring mortgage options, we're here to guide you through every step of the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Don't hesitate to reach out or visit us online at Organized Labor Credit Union for more information about our offerings!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,729,887, make buying or refinancing simple. We also provide refinancing options that can lower your monthly payments and help you save over time.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $632,358 in loans helping members manage their finances effectively. These cards come with competitive rates and features that can fit various spending habits.

Loan Aggregator

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Organized Labor