Pacific Postal Credit Union Oakland CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Pacific Postal, your trusted credit union located at 480 Roland Way Ste 102, Oakland, CA 94621. Since our establishment in 1931, we have proudly served our community with a commitment to financial well-being and member satisfaction. With a current membership of over 12,910 individuals, we have built a strong foundation based on trust, integrity, and personalized service. At Pacific Postal, we understand that every financial 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 mortgages. Our total assets of $237,395,764 reflect our stability and capability to support our members' financial goals. We also manage deposits totaling $14,266,024, ensuring that your funds are safe with us. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to 480 ROLAND WAY #101, OAKLAND, CA 94621 if you need to reach out via mail. Under the leadership of our CEO, Fardad Khosravi, and Board President Roger Somer, our dedicated team of 34 employees is here to assist you every step of the way. Whether you're looking for personal loans or business banking solutions, we are committed to helping you achieve your financial aspirations. If you have any questions or want to learn more about how we can assist you, don't hesitate to reach out! Call us at (510) 568-7150 during our operating hours from Monday to Friday, 9 AM to 5 PM. Join us today and experience the Pacific Postal difference where member service is not just a promise; it's our mission! For more information about our services, visit us online at http://www.ppcu.org .

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we recognize the importance of staying current with technology while remaining accessible. Our online banking services allow members to manage their finances anytime and anywhere. With options like mobile payments and e-statements, we're here to simplify your banking experience. Our dedication extends to ensuring ADA compliance so all members can access our services without barriers. We strive for a welcoming environment where everyone feels valued and supported. As we look toward the future, we invite you to join Pacific Postal Credit Union. Experience firsthand how we can help you navigate your financial journey with confidence and ease. Whether you're looking for personal banking solutions or business services like merchant accounts and loans, you can count on us as your trusted partner. Join us today and become part of a community-focused institution committed to your success! For more information or assistance, don't hesitate to reach out at 510-568-7150 or visit us online at www.ppcu.org.

Our Mission

At Pacific Postal, our mission is simple yet profound: to empower our members through accessible financial services while actively contributing to our community's well-being. We believe that everyone deserves the opportunity to succeed financially. This belief drives us to provide comprehensive banking solutions along with valuable resources and support systems aimed at enhancing financial literacy. We are proud of our community outreach efforts that help us stay connected with those we serve. Whether it's hosting financial workshops or partnering with local organizations, we strive to make a positive impact beyond just banking. While members can visit us at our convenient location in Oakland, official correspondence should be sent to 480 ROLAND WAY #101, OAKLAND, CA 94621. We operate Monday through Friday from 9 AM to 5 PM, ensuring that we are available when you need us most.

Branch Location & Accessibility

Accessibility Features

We take pride in being accessible to all members of our community. Our branch is ADA compliant, featuring ramps and other accessibility options to ensure everyone can easily reach us. Ample parking is available right outside our building, making it simple for you to stop by for your banking needs.

Get In Touch

If you have any questions or would like more information about our services, feel free to give us a call at 510-568-7150. We invite you to visit us soon at the Pacific Postal Oakland Branch where friendly service meets community spirit!

Operating Hours and Services

At Pacific Postal, we understand that your time is valuable. That's why our lobby hours are designed to accommodate your busy schedule; we're open Monday through Friday from 9 AM to 5 PM. Whether you need assistance with personal banking, auto loans, mortgage refinancing, or business services like merchant banking, our dedicated staff is here to help. Although we do not have ATM facilities or drive-thru banking at this location, we offer comprehensive online and mobile banking services for your convenience. With features like person-to-person payments and electronic statements, managing your finances has never been easier.

Member Eligibility

At Pacific Postal, we believe that becoming a member is like joining a close-knit family where your financial well-being comes first. If you're looking to join us, it's easier than you might think! Our membership is open to individuals who live, work, worship, or attend school in the communities we serve. This means that if you're part of our vibrant Oakland community at 480 Roland Way Ste 102 Oakland Ca 94621, you can enjoy all the benefits we offer. Being a member here not only gives you access to a wide range of financial products but also ensures personalized service and support tailored to your needs. To learn more about the specific eligibility criteria and how to start your journey with us, please visit this page for detailed information. Opening an account is straightforward and welcoming just give us a call at (510) 568-7150 or stop by during our operating hours from Monday to Friday, 9 AM to 5 PM. We can't wait to welcome you into our community!

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 also support the broader business community with $9 in non-member commercial loans, providing flexible financing solutions. Imagine being able to purchase new equipment that boosts your productivity or secure funding for a marketing campaign that elevates your brand. With our streamlined loan processes and personalized service, we make it easier for you to access the funds you need when you need them.

Merchant Services

In addition to loans, our merchant services simplify payment processing so you can focus on what matters most growing your business. From accepting credit cards to managing online transactions, we provide the tools that fit your operational needs. Think of it as having a partner who understands your day-to-day challenges and helps remove barriers to success. Visit us at 480 Roland Way Ste 102 Oakland Ca 94621 in Oakland, CA, or give us a call at (510) 568-7150 to learn more about how our business banking solutions can empower your growth!

Comprehensive List Of Services

Business Banking

For local entrepreneurs and businesses, we offer comprehensive business banking services, including merchant services and business loans. We understand the unique challenges faced by small businesses and strive to provide solutions that foster growth and success.

Convenient Access

To enhance your banking experience further, we also provide essential ATM and cash withdrawal services at various locations. Although our branch does not have an ATM or drive-thru service, our online capabilities ensure that accessing your money is always within reach. At Pacific Postal, we believe in building lasting relationships with our members by providing personalized service tailored to individual needs. We invite you to explore all of our offerings by visiting us at Oakland Branch or calling us today at (510) 568-7150. Let us partner with you on your financial journey!

Credit Cards

Our credit cards with rewards allow you to earn points on everyday purchases, giving back more than just financial flexibility. With low rates and no annual fees, these cards are perfect for those looking to maximize their spending power while enjoying valuable perks.

Home Financing

For many, purchasing a home is one of life's biggest milestones. At Pacific Postal, we offer mortgage loans and refinancing options that can help turn that dream into reality. Our experienced loan officers will guide you through every step of the mortgage process, ensuring you find a plan that works for your financial situation.

Personal Banking

We understand that managing your personal finances can sometimes be overwhelming. That's why we offer checking and savings accounts designed for simplicity and convenience. Whether you are saving for a special occasion or managing everyday expenses, our accounts come with features that make banking easy. You can access your account anytime through our robust online and mobile banking platforms, which allow you to check balances, transfer funds, and pay bills with just a few taps on your smartphone.

Personal Loans

Need extra cash for unexpected expenses? Our personal loans and debt consolidation services can provide the support you need. Whether you're facing medical bills or planning a home improvement project, we are here to help you secure funding quickly and efficiently.

Vehicle Financing

Looking to buy a new car? Our auto loans and vehicle financing options provide competitive rates to help you get behind the wheel without breaking the bank. We work with you to find the best financing solution that fits your budget, making it easier than ever to drive away in the vehicle of your dreams.

Digital & Online Banking

Accessibility and Security

Your peace of mind is important to us. We prioritize security in every aspect of our digital banking services. You can confidently manage your finances knowing that all transactions are protected with advanced security measures. In summary, at Pacific Postal, we provide an easy-to-use digital banking experience that fits into your busy lifestyle. From real-time account management to secure transactions, we're here to support your financial journey every step of the way!

User-Friendly Features

Navigating your finances should be simple and secure. That's why our online banking includes electronic signature authorization, allowing you to sign documents safely from anywhere. You can also choose to receive e-statements, which not only help you keep track of your accounts but also reduce paper clutter. For those who prefer banking on the go, our mobile application makes it even easier to stay connected to your accounts. Whether you're paying bills or checking transactions while running errands, everything you need is right at your fingertips. And if you're into mobile payments, we've got you covered there too!

Financial Strength

A Growing Community

Total Share Accounts stand at 22,358, showing a strong and growing member base that trusts us with their finances. Your confidence fuels our mission to provide exceptional service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Pacific Postal is your trusted partner. Visit us at 480 Roland Way Ste 102 Oakland Ca 94621 or call (510) 568-7150 to learn more about how we can help you achieve your financial goals.

Comprehensive Lending Support

We have $7,031 in used auto loans and $107,445,191 in total loans and leases available for our members. This expansive lending capacity supports your financial goals across various sectors from buying a car to funding important life events.

Member-Focused Savings

Members' savings are secured through $33,423,963 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. Our commitment to you is reflected in our approach focusing on benefits that improve your experience with better loan rates and lower fees.

Operational Efficiency

Our operations yield a healthy $830,806, reflecting our efficiency and commitment to providing competitive loan rates alongside solid financial products for our members. We also take pride in having 32 full-time employees and 2 part-time employees who are always ready to serve you with knowledgeable support.

Reinvestment for Growth

With $35,946,417 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment ensures that as our credit union grows, so do the benefits you receive.

Solid Financial Foundation

With a net worth of $40,755,614, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,717 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 $21,278,564 in used vehicle loans and $11,985,467 in new vehicle loans already helping members get on the road. Whether you are looking for a brand-new model or a reliable used vehicle, our financing options can make it happen.

Credit Lines

In addition to our traditional loan offerings, we provide access to credit lines totaling $90,979,020. This allows you the flexibility to borrow as needed while only paying interest on what you use. If you're considering refinancing or would like more information on eligibility options for any of these products, don't hesitate to reach out. We're here to help guide you through every step of your financial journey. 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 Pacific Postal, we're committed to providing our members with quality service and valuable resources that enable them to make informed financial decisions. Visit us today and discover how our loan offerings can benefit you!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $4,819,805, making buying or refinancing simple. We strive to support your journey toward owning a home with straightforward processes and personalized service.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,734,643 in loans helping members manage their finances effectively. These credit options provide you with the ability to handle unexpected expenses without the burden of collateral.

Loan Aggregator

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 ensures fair and transparent offers for consumers looking to secure loans.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the information you receive. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results that help you make informed decisions. - Real-Time Rate Comparisons: The platform features up-to-date loan rates from multiple institutions, allowing you to compare options effectively. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*

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