Pacific Service Credit Union Concord CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Pacific Service, your trusted financial partner located at 1355 Willow Way, Concord, CA 94520. Since our establishment in 1936, we have proudly served our community with a commitment to providing excellent banking services tailored to meet the diverse needs of our 69,207 members. With total assets exceeding $1.4 billion, we are dedicated to fostering financial wellness and security for everyone we serve. At Pacific Service, we understand that every member has unique financial goals. That's why we offer a wide range of services including personal banking, auto loans, mortgage options, and credit cards with rewards. Our team is here to help you navigate your financial journey with confidence. Under the leadership of our CEO, Jenna Lampson, and Board President, Maria DeMartini, we strive to create an environment where trust and transparency thrive. While you can visit us at our branch for assistance, please note that official correspondence should be sent to the same address: 1355 Willow Way, Concord, CA 94520. With total deposits amounting to $136,849,749 and cash in hand of $1,221,246, we are well-equipped to support your financial needs today and into the future. We invite you to explore all that Pacific Service has to offer by visiting our website at www.pacificservice.org or calling us at 888-858-6878. Whether you need help with opening a new account or want advice on loans, our friendly staff is ready to assist you! Join us as we continue making a positive impact in the lives of our members and the community.

Branch History & Mission

Community Connections

Our branch is more than just a place for transactions; it's a hub for community engagement. We actively participate in various outreach programs and partnerships aimed at enhancing the quality of life for Concord residents. Through events and initiatives focused on education and financial literacy, we strive to uplift those around us.

Mission Statement

At Pacific Service, we believe in creating opportunities for everyone. Our mission is simple yet profound: to provide personalized financial services while fostering a sense of belonging and support within the community. We offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards all designed with our members' needs in mind. We are not just about banking; we are about building relationships that last.

Modern Banking Experience

While we honor our history, we also embrace modern advancements in technology. Members can enjoy convenient online and mobile banking options that allow them to manage their finances easily from anywhere. With an ATM on-site for quick access and no drive-thru service, we're here to meet your banking needs during our operating hours: 9 AM - 5 PM Monday through Thursday, and 9 AM - 6 PM on Fridays. Whether you're looking for a reliable partner for your financial journey or seeking ways to get involved in the community, Pacific Service invites you to join us. Explore all we have to offer by visiting us at 1355 Willow Way, or give us a call at 888-858-6878. Together, let's build a brighter future!

Our Story

From our humble beginnings, Pacific Service has been dedicated to providing accessible financial services that empower individuals and families alike. As we grew from a small credit union into a significant financial institution, our commitment to our members and community remained steadfast. Over the decades, we have adapted to changing times while keeping our core mission intact: to support our members' financial well-being and contribute positively to our local community.

Branch Location & Accessibility

Contact Us Today!

While members can visit us at our Concord branch, official correspondence should be sent to the same address: 1355 Willow Way, Concord, CA 94520. If you have any questions or need assistance, don't hesitate to give us a call at 888-858-6878. We're excited to help you with all your banking needs! Come visit us today at Pacific Service your financial partner in the community!

Convenient Access

Getting to our branch is simple! With ample parking available, you can easily find a spot when you visit us. Our location is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can access our services comfortably.

Operating Hours and Services

We understand that your time is valuable. That's why we offer flexible operating hours for your convenience. Our lobby is open from 9 AM to 5 PM Monday through Thursday, and until 6 PM on Fridays. Whether you're stopping by to open an account or just need some financial advice, we're here for you. Pacific Service offers a variety of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we have everything you need under one roof. Plus, if you're looking for quick cash access, our ATM is readily available for withdrawals and balance checks.

Member Eligibility

Joining the Pacific Service community means stepping into a world of financial support and opportunities tailored just for you. At our branch located at 1355 Willow Way, Concord, CA 94520, we welcome individuals who live, work, or go to school in certain areas of California. Whether you're looking for personal banking options or loans to help with your dreams, becoming a member is easy and inclusive. Simply visit our eligibility page at http://www.pacificservice.org/learn/membership-eligibility for all the details on how you can qualify. Once you see that you meet the requirements, opening an account is a breeze! Just head over to our account opening page at https://internetloanapplication.cudl.com/pacificservice/ or give us a call at 888-858-6878 if you have any questions. We're here to help you take this exciting step towards financial empowerment!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that help streamline your payment processes. Imagine a busy Saturday when customers are eager to pay for their purchases; our services ensure quick and secure transactions. This means more time for you to focus on what you do best running your business. Visit us at 1355 Willow Way Concord Ca 94520 in Concord, CA or call us at (888) 858-6878 to learn how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

Business Solutions

If you're a business owner, we understand how crucial it is to have reliable banking support. Our Business Banking services include essential tools like Merchant Services & Business Loans designed to help you grow and manage your enterprise efficiently.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. From checking balances to making transfers and paying bills, our digital platforms are user-friendly and secure. You can also take advantage of our ATM & Cash Withdrawal Services for quick cash access whenever necessary. Just imagine being able to check your balance or withdraw cash at an ATM without hassle! At Pacific Service, we strive to be more than just a place for transactions; we aim to build lasting relationships with our members through exceptional service and support. Explore all the ways we can assist you today by visiting us online at Concord or give us a call at (888) 858-6878. Let us help you take the next step towards achieving your financial goals!

Financing Your Dreams

If you're looking to buy a car or refinance your existing vehicle, our Auto Loans & Vehicle Financing services will get you on the road without the stress. Picture yourself driving away in that new car, knowing you secured a competitive rate that fits within your budget. We also offer Mortgage Loans & Refinancing, helping you make homeownership a reality or adjust your current mortgage terms to better suit your financial goals.

Personal Banking Made Simple

Managing your money should be straightforward. That's why we offer Personal Banking options, including Checking & Savings Accounts that fit your lifestyle. Imagine having easy access to your funds while earning interest on your savings our accounts are designed with you in mind. Whether you're saving for a vacation or just want to keep your daily spending organized, we have solutions tailored for every situation.

Rewarding Credit Options

Our credit cards come with rewards that can enhance your purchasing power and provide added benefits. With Credit Cards with Rewards, every dollar spent brings you closer to exciting perks and cash back opportunities, making it easier to enjoy the things you love.

Simplifying Borrowing

For those unexpected expenses or projects, our Personal Loans & Debt Consolidation services provide quick access to funds when you need them most. Imagine consolidating multiple debts into one simple payment it can lighten your financial load and help you regain control over your finances.

Digital & Online Banking

Key Services

Our online banking services, accessible at https://www.pacificservice.org/ , allow you to monitor your account balances, pay bills, and transfer funds with just a few clicks. You can enjoy 24/7 access to your accounts, so whether it's early morning or late at night, your banking needs are always just a tap away. If you're looking for an easy way to keep track of your financial statements, you'll love our e-statements feature. Not only does this help you stay organized, but it also reduces paper clutter while providing quick access to your transaction history. For those on the go, our mobile application is available and packed with features that make banking simple. You can make mobile payments seamlessly, ensuring that you never miss a chance to pay bills or send money. Our person-to-person transfer option allows you to quickly send funds to friends or family without any hassle.

Security and Convenience

We prioritize your security with all our online banking features. While we currently do not offer electronic signature authorization, rest assured that our systems are built with robust security measures to protect your personal information. With Pacific Service's digital banking services, managing your finances is not only easy but also safe. Enjoy real-time account management wherever you are; whether you're at home or out running errands. We're here to support you every step of the way in your financial journey!

Financial Strength

Committed to Growth

With $190,796,280 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity supports your financial goals across various sectors with $9,690 in used auto loans and $996,688,175 in total loans and leases.

Growing Together

Total Share and Deposit Accounts stand at 130,893, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $0, further demonstrating our commitment to supporting your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Pacific Service is your trusted partner. Visit us at 1355 Willow Way Concord Ca 94520 or call (888) 858-6878 to learn more about how we can help you achieve your financial goals.

Members' Savings Are Secure

Members' savings are secured through $319,768,640 in share certificates and $348,435,112 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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 153 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Solid Foundation

With a net worth of $193,937,665, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,345 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 $193,525,876 in used vehicle loans and $108,042,860 in new vehicle loans already helping members get on the road. We provide flexible financing options tailored to fit your budget, making it easier than ever to drive away with the vehicle you want.

Credit Lines

For those who need access to cash when they need it most, our credit lines amounting to $545,364,646 provide a safety net for unexpected expenses or planned purchases. This option gives you flexibility and control over your finances. If you're considering refinancing any existing loans, our team can help evaluate your options based on current interest rates and your individual circumstances. Understanding eligibility is also straightforward; visit us online for more information at Membership Eligibility. For inquiries or assistance, feel free to reach out at (888) 858-6878 during our operating hours from 9 am - 5 pm Monday through Thursday and 9 am - 6 pm on Fridays. 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 Service, we're committed to providing loan products that meet the diverse needs of our community while ensuring a smooth borrowing experience for all our members.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $133,466,704, make buying or refinancing simple. We offer competitive rates and personalized service to guide you through every step of the process. Whether you're a first-time buyer or looking to refinance, our team is here to assist.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, but we're here to help. We also offer flexible terms on unsecured credit card loans, with a total of $99,716,748 in loans helping members manage their finances effectively. These cards come with various benefits that can make your spending easier and more rewarding.

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 means you can trust that the offers presented are fair and transparent. LendMesh prides itself on providing verified data, ensuring that all loan offers come from legitimate financial institutions.

Key Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to unbiased results. There are no sponsored listings; lenders are not prioritized based on paid promotions. This ensures that every user receives a genuine comparison of available loans without any hidden agendas. Additionally, LendMesh provides real-time rate comparisons, offering up-to-date loan rates from multiple institutions. This feature is crucial in helping users find the best deals tailored to their needs. 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!" Testimonials like this highlight the effectiveness and reliability of the platform.

Take Action Today

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 SERVICE CREDIT UNION