Pacific Postal Credit Union San Jose CA | Best Auto Loans & Business Banking

Introduction

Welcome to Pacific Postal, where your financial well-being is our top priority! Located at 1040 Leigh Ave, San Jose, CA 95126, we have been proudly serving our community since 1931. With a strong commitment to our members, we currently boast a membership of over 12,910 individuals who trust us with their financial needs. At Pacific Postal, we believe that everyone deserves access to personalized banking services that cater to their unique situation. Our total assets amount to an impressive $237,395,764, allowing us to provide robust financial solutions including personal banking, auto loans, mortgages, and business services. We understand that financial journeys can be complex; that's why we offer tailored products like credit cards with rewards and debt consolidation loans to help you achieve your goals. While members can visit us at our main office in San Jose, official correspondence should be sent to the same address: 1040 Leigh Ave, San Jose, CA 95126. If you need assistance or have questions about any of our services, don't hesitate to reach out! You can contact us at (408) 275-8595 or send a fax to (408) 275-6870. Under the leadership of CEO Fardad Khosravi and Board President Roger Somer, our dedicated team of 34 employees is here to ensure you receive the best possible service. With total deposits reaching $14,266,024 and net worth standing at $40,755,614, you can trust that your finances are in safe hands. We invite you to explore how we can support your financial aspirations. Visit our website at www.ppcu.org for more information or stop by our branch during lobby hours from Monday to Friday, 8 AM - 6 PM. Join us today and experience the difference of banking with a credit union that truly cares!

Branch History & Mission

Community First

As we look toward the future, we remain dedicated to serving with integrity and compassion. Our operating hours are designed with you in mind; we're open Monday through Friday from 8 AM to 6 PM. Though we currently do not have ATM or drive-thru facilities available at this location, our focus remains on providing exceptional service within our branch. If you're interested in becoming part of a credit union that values its members and strives for their financial well-being, we invite you to join Pacific Postal today! Experience firsthand how we're committed not only to your financial success but also to the betterment of our beloved community. For more information or assistance, feel free to reach out at 408-275-8595 or visit us online at www.ppcu.org. Join us on this journey towards achieving your financial dreams!

Our Journey

From our humble beginnings, Pacific Postal has evolved significantly. Initially established to serve postal workers, we have expanded our services to meet the diverse financial needs of all residents in Santa Clara County. Today, our total assets amount to an impressive $237,395,764, reflecting our commitment to responsible growth and sustainable practices. We pride ourselves on being more than just a financial institution; we are part of the fabric of our community. We actively engage in local outreach programs and partnerships that aim to uplift those around us. Whether it's sponsoring local events or providing educational resources about financial literacy, Pacific Postal is always looking for ways to give back.

Our Mission

At Pacific Postal, our mission is simple yet profound: to empower our members through accessible financial services while fostering a strong sense of community. We believe that everyone deserves a chance at financial success and security. That's why we offer personal banking options such as checking and savings accounts, auto loans, mortgage loans, and business banking services tailored for small businesses. Our commitment extends beyond traditional banking. We embrace technology by offering online and mobile banking services to ensure convenience for all members. Whether you want to check your balance from home or apply for a loan on the go, we've made it easy and secure. While members can visit us at 1040 Leigh Ave, official correspondence should be sent to the same address as our mailing address: 1040 Leigh Ave, San Jose, CA 95126.

Branch Location & Accessibility

Convenient Access

At Pacific Postal, we know that accessibility is key. Our branch is designed with all members in mind, featuring ADA-compliant entrances and spacious parking for your convenience. While visiting us at our Leigh Avenue location, you'll find ample parking available right outside our doors, making it easy for you to stop by whenever you need assistance. While members can visit us at 1040 Leigh Ave, official correspondence should be sent to the same address as our mailing address: 1040 Leigh Ave, San Jose, CA 95126. This ensures that any important documents reach us without delay.

Get in Touch

If you have any questions or need assistance before your visit, don't hesitate to give us a call at 408-275-8595. Our friendly staff is eager to help! We look forward to welcoming you into our branch soon! Your financial well-being is our priority here at Pacific Postal.

Hours of Operation

We understand that life can get busy! That's why our lobby is open Monday through Friday from 8 AM to 6 PM. We invite you to come in during these hours for all your banking needs. If you prefer digital services, feel free to explore our online and mobile banking options anytime!

Services Offered

At Pacific Postal, we offer a variety of personal banking services tailored just for you! From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, if you're looking for business banking solutions like merchant services or business loans, we have those too! Although we currently do not have ATM availability or drive-thru services, our dedicated team is always ready to assist you inside the branch.

Member Eligibility

Becoming a member of Pacific Postal feels like joining a close-knit community where your financial well-being is the top priority. At our branch located at 1040 Leigh Ave San Jose Ca 95126, we warmly welcome individuals who live, work, or attend school in our service area. If you have a family member who is already a member, you can also enjoy the benefits of membership! Here, you'll find not just banking services but also a supportive environment that truly understands your needs. Getting started with us is easy and straightforward. You can learn more about the eligibility criteria by visiting [this link](). Once you're ready to open an account, simply give us a call at (408) 275-8595, and we'll guide you through the process. We look forward to having you as part of our family at Pacific Postal!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Picture this: a busy day at your store where every second counts. Our services allow you to accept payments quickly and securely, ensuring your customers leave satisfied and ready to return. For businesses in San Jose, CA, visit us at 1040 Leigh Ave San Jose Ca 95126 or call us at (408) 275-8595. Let's work together to turn your business goals into reality!

Tailored Loan Solutions

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 funds to purchase new equipment or hire additional staff. With our commercial loans, you can access the capital necessary to fuel your growth without the stress of complicated processes.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans make it easy for you to get behind the wheel without breaking the bank. With competitive rates and flexible terms, we can help you find the right financing option tailored to your budget. Whether you're eyeing a brand-new model or a reliable used vehicle, we've got you covered.

Business Banking

For our business members, we offer tailored banking solutions including merchant services and business loans. We understand the challenges of running a business and are here to support you with efficient banking tools that save time and enhance productivity.

Convenient Access

At Pacific Postal, convenience is key. Our online and mobile banking features ensure that accessing your accounts is as easy as possible. You can enjoy services like person-to-person payments and e-statements all designed for your busy lifestyle. We invite you to visit us at 1040 Leigh Ave San Jose Ca 95126 or give us a call at (408) 275-8595 if you have any questions about our services or need assistance. Join the Pacific Postal family today and experience personalized service that makes banking easier!

Credit Cards with Rewards

Why not earn rewards while making purchases? Our credit cards come with attractive rewards programs designed to give back to our members. From cashback on everyday purchases to travel perks, there's something for everyone.

Mortgage Loans & Refinancing

Homeownership is one of life's biggest milestones. At Pacific Postal, we offer mortgage loans that fit various budgets and lifestyles. If you're already a homeowner, our refinancing options can help you lower your monthly payments or tap into your home's equity for other needs.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services cater to your everyday banking needs. We know that life can be unpredictable, so having easy access to your funds is essential. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. You can pay bills, transfer funds, and even deposit checks with just a few taps on your phone.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way, and that's where our personal loans come in handy. Whether it's for medical bills, home repairs, or debt consolidation, we aim to provide straightforward solutions that meet your financial needs without stress.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking platform available at http://www.ppcu.org, you can check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, our 24/7 online banking service ensures you have real-time access to your accounts whenever you need it. Need to send money to a friend or family member? Our person-to-person transfers make it simple and quick to share funds without any hassle. Plus, with mobile payments enabled, you can enjoy the convenience of making purchases right from your smartphone no cash or cards needed.

Security and Accessibility

Your security is our top priority. We offer electronic signature authorization for added protection when completing transactions online. You can also choose e-statements, reducing paper clutter while staying informed about your account activity in a secure manner. For those who prefer managing their finances through an app, our mobile application is user-friendly and packed with features that put you in control of your banking needs. Download it today and experience the ease of banking at your fingertips. At Pacific Postal, we are committed to making your banking experience smooth and straightforward. Explore all these features and more at http://www.ppcu.org your financial journey starts here!

Financial Strength

At Pacific Postal, 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 are dedicated to providing a solid foundation for your financial journey, ensuring that you can trust us with your savings, loans, and overall banking needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. This dedication is reflected in our operations while we have $0 in non-member deposits, our focus remains on benefiting you through better loan rates and exclusive perks. With $35,946,417 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $7,031 in used auto loans and $107,445,191 in total loans and leases. Our operational efficiency is highlighted by a net income of $830,806, which allows us to continue offering competitive loan rates and robust 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 assist you with knowledgeable service. As we continue to grow, the trust of our members is evident with 22,358 total share accounts, showing a strong member base that relies on us for their financial 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 1040 Leigh Ave San Jose Ca 95126 or call (408) 275-8595 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Options

For those considering business ventures or expansions, our commercial loan options are available as well. Although we currently have no outstanding commercial loans, our team is ready to guide you through any future opportunities that may arise. If you're interested in refinancing options or checking your eligibility for any of our loan products, feel free to reach out! You can contact us at (408) 275-8595 during our lobby hours from Monday to Friday between 8 AM and 6 PM. 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 believe that everyone deserves access to the resources they need for a successful financial future. Let us partner with you on this journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have issued 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're interested in financing a new or used car, our easy application process can help you drive off with confidence.

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, ensuring that your path to owning a home is both accessible and affordable.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $4,734,643 in unsecured credit card loans assisting members in effectively managing their finances, you can make purchases with peace of mind knowing you have support.

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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 commitment to using verified institutions ensures that users receive fair and transparent offers without hidden fees or misleading information.

Pacific Postal

Introduction

Branch History & Mission

Community First

Our Journey

Our Mission

Branch Location & Accessibility

Convenient Access

Get in Touch

Hours of Operation

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services

Tailored Loan Solutions

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking

Convenient Access

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features of Our Digital Banking Services

Security and Accessibility

Financial Strength

Loan Offering

Additional Options

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

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