Pacific Postal Credit Union San Jose CA | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Pacific Postal, where we prioritize your financial needs and community well-being. Located at 1750 Lundy Ave, San Jose, CA 95101, our North San Jose Branch has been a trusted partner for over 90 years, having opened its doors in 1931. With a robust membership of 12,910 individuals and total assets exceeding $237 million, we are dedicated to providing personalized banking solutions that empower our members. As a vital part of the San Jose community, we offer various services tailored to meet your needs from personal banking accounts and auto loans to credit cards with rewards. We understand that financial decisions can be daunting, which is why our friendly team, led by CEO Fardad Khosravi and Board President Roger Somer, is here to guide you every step of the way. While you can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address at PO Box 612602, San Jose, CA 95161. Our commitment extends beyond banking; we're invested in enhancing the lives of those we serve through responsible lending practices and community initiatives. With total deposits amounting to $14,266,024 and a net worth of $40,755,614, Pacific Postal is not just a credit union; it's a reliable financial institution where members come first. We invite you to explore our services further by visiting our website at ppcu.org or giving us a call at (408) 437-8888. Join us as we continue to build a prosperous future together!

Branch History & Mission

Welcome to the Pacific Postal Credit Union, located at 1750 Lundy Ave, San Jose, CA 95101. Since opening our doors in 1931, we have proudly served our community with a commitment to providing exceptional financial services tailored to the needs of our members. Over the years, we have grown from a small credit union into a trusted institution, boasting a total membership of over 12,910 and assets totaling $237,395,764. Our mission is simple yet powerful: to enhance the financial well-being of our members while fostering a sense of community and support. We strive to empower individuals and families by offering a range of services that include personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We believe that everyone deserves access to quality financial products that help them achieve their goals. At Pacific Postal, we understand the importance of staying connected in today's world. That's why we've embraced technology with features such as online banking, mobile payments, and e-statements to make managing your finances easier than ever. Our commitment to accessibility extends beyond just our digital offerings; we ensure compliance with ADA standards so that all members can comfortably use our services. Throughout our history, we've actively participated in community outreach initiatives that strengthen local ties and support those in need. By partnering with various organizations and participating in events, we aim to make a positive impact in San Jose and beyond. While members can visit us at our branch location on Lundy Ave for their banking needs during our operating hours from Monday to Friday, 9 AM to 5 PM, official correspondence should be sent to PO Box 612602, San Jose, CA 95161. We invite you to join us at Pacific Postal Credit Union. Experience firsthand how we can help you take control of your financial future while being part of a community-focused institution. Together, we can achieve more! For any inquiries or assistance, feel free to reach out at (408) 437-8888.

Branch Location & Accessibility

Welcome to the Pacific Postal North San Jose Branch, conveniently located at 1750 Lundy Ave in the heart of San Jose, CA. Our branch is easily accessible and situated near well-known landmarks, making it a breeze for you to stop by. Whether you're heading to the nearby shopping centers or just passing through the vibrant neighborhoods of Santa Clara County, we're here to serve your banking needs. At Pacific Postal, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, ensuring that everyone can comfortably visit us. If you're driving, you'll find ample parking available right outside, so you won't have to worry about finding a spot when you arrive. We understand that convenience is key. That's why our lobby hours are designed with your busy schedule in mind. We're open Monday through Friday from 9 AM to 5 PM, making it easy for you to come in after work or during lunch breaks. While we currently do not offer ATM services or drive-thru banking, our dedicated staff is ready to assist you inside the branch with a variety of services. While members can visit us at our physical location on Lundy Ave, please note that official correspondence should be sent to our mailing address at PO Box 612602, San Jose, CA 95161. If you have any questions or need assistance, feel free to give us a call at 408-437-8888. We invite you to stop by and see how we can help meet your financial goals today!

Member Eligibility

At Pacific Postal, we believe that everyone deserves a place in our supportive community. Becoming a member is simple and welcoming if you live, work, or worship in the area, you're likely eligible! We cherish diversity and strive to serve anyone who shares our values. Our members enjoy fantastic benefits like competitive loan rates, personalized service, and access to a range of financial products designed with your needs in mind. To check if you qualify or learn more about our membership criteria, feel free to visit us at . If you're ready to take the next step in joining us at Pacific Postal, opening an account is easy! Just give us a call at (408) 437-8888, and we'll guide you through the process. We can't wait to welcome you to our family at 1750 Lundy Ave, San Jose, CA 95101!

Business Banking & Commercial Services

Financing Solutions Tailored for You

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 needing extra funds to purchase new equipment or expand your team. Our commercial loans can provide you with the financial boost you need, allowing you to focus on what matters most running your business effectively.

Merchant Services That Make Transactions Easy

In today's fast-paced world, efficient payment processing is crucial. With our merchant services, you can streamline transactions and enhance customer experiences. From card processing to online payments, we offer tools that simplify your daily operations so you can concentrate on serving your clients. Located at 1750 Lundy Ave San Jose Ca 95101 in San Jose, CA, we invite you to visit us or call us at (408) 437-8888 to learn how our business banking services can benefit you. Together, let's build a prosperous future for your business!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATM facilities at our branch, we strive to ensure you have easy access to cash withdrawal services through partner networks. This means you can still manage your money effortlessly when you're out and about. At Pacific Postal, located at 1750 Lundy Ave San Jose Ca 95101, San Jose, CA, we're committed to providing personalized service designed with you in mind. If you have questions about any of our services or want assistance, don't hesitate to give us a call at (408) 437-8888 during our lobby hours: Monday through Friday from 9 AM to 5 PM. We invite you to explore all that we offer and take advantage of our services designed for your financial success! Visit us online at http://www.ppcu.org for more information or stop by our branch today!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing can help make that dream a reality. We offer competitive rates and personalized service to ensure you find the right financing option that fits your budget. Picture yourself driving off in that new vehicle without financial stress.

Business Banking

For entrepreneurs and small businesses, we offer comprehensive Business Banking solutions, including merchant services and business loans. We understand the unique challenges businesses face, and our team is here to support you every step of the way as you grow and succeed.

Credit Cards with Rewards

Our Credit Cards with Rewards program offers more than just purchasing power; it provides benefits like cash back and travel rewards for every dollar spent. Think about how rewarding it could be to earn points on everyday purchases that can be redeemed for exciting experiences.

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, our knowledgeable staff will guide you through each step. Imagine enjoying lower monthly payments while building equity in your home.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking features. Access your accounts anytime, anywhere from checking balances to transferring funds right from your smartphone or computer. You'll enjoy peace of mind knowing that managing your finances is just a tap away.

Personal Banking

For those looking to manage their everyday finances, our Personal Banking options include checking and savings accounts that cater to both short-term needs and long-term savings goals. Imagine having the flexibility to access your funds whenever you need them while earning interest on your savings.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or wish to simplify your debt, our Personal Loans & Debt Consolidation options provide quick access to funds. You can consolidate high-interest debts into one manageable payment, making it easier to get back on track financially.

Digital & Online Banking

Key Services

Our online banking platform at http://www.ppcu.org allows you to check your account balances, transfer funds, and pay bills with just a few clicks. You can even send money to friends and family through our convenient person-to-person transfer feature. Need to sign documents? Our electronic signature authorization makes it simple and safe to manage paperwork without the hassle of physical signatures. For those who prefer mobile banking, our user-friendly mobile application is available for download, providing all the features you need right at your fingertips. Plus, if you're someone who loves using mobile payments, you'll be glad to know that we support this feature as well making it easier than ever to make purchases securely.

Security & Accessibility

Your security is our top priority. We utilize advanced encryption technology to protect your information while ensuring that accessing your accounts remains straightforward. Whether you're checking e-statements or managing transactions, our systems are designed to keep your data safe. With e-statements available, you can say goodbye to paper clutter while keeping track of your finances effortlessly. All these features come together to offer you real-time account management that fits seamlessly into your life. Explore everything our digital banking services have to offer today at http://www.ppcu.org. At Pacific Postal, we're here to help you navigate your financial journey with confidence and ease!

Financial Strength

Dedicated Team

We also take pride in having 32 full-time employees and 2 part-time employees. This ensures our branches are always ready to serve you with a knowledgeable, committed team who understand your financial needs.

Growing Membership

Total Share Accounts stand at 22,358, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $42,745,437. 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 1750 Lundy Ave San Jose Ca 95101 or call (408) 437-8888 to learn more about how we can help you achieve your financial goals.

Lending Capacity

With $7,031 in used auto loans and $107,445,191 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $830,806 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member Savings and Investments

Members' savings are secured through $33,423,963 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently hold no money market shares, our commitment to safeguarding your funds remains our top priority. 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.

Our Financial Health

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. We have already issued over $21,278,564 in used vehicle loans and $11,985,467 in new vehicle loans, helping members get on the road with confidence. Whether you're purchasing a new or used vehicle, our financing options are tailored to fit your budget.

Business Loans

For business owners, while we currently don't have outstanding commercial loans available, our commitment remains strong towards supporting local businesses when opportunities arise. At Pacific Postal in San Jose, CA (1750 Lundy Ave), you can reach us at (408) 437-8888 during our operating hours from Monday to Friday between 9 AM and 5 PM. We encourage you to explore refinancing options if you're considering consolidating existing debt or securing better rates on current loans. For further insights and eligibility information regarding any of our loan products, please visit us online at Pacific Postal. 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 the next step towards achieving your financial dreams today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $4,819,805, making it easier for you to invest in your future and secure a place to call home.

Unsecured Credit Card Loans

Managing your day-to-day expenses is vital, and we also offer flexible terms on unsecured credit card loans. With a total of $4,734,643 in loans available, our credit cards are designed to help you handle purchases while enjoying competitive rates and rewards.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 means that all loan offers presented on the platform are fair and transparent, reflecting the most current offerings available.

Benefits of Using LendMesh

- Verified Data: Loan offers come only from legitimate financial institutions, ensuring that users have access to trustworthy information. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The focus remains solely on delivering unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, enabling them to make well-informed choices quickly. 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!" 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.

Pacific Postal