Postcity Financial Credit Union West Sacramento CA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Postcity Financial, your trusted partner in achieving financial well-being right here in West Sacramento! Nestled at 3775 Industrial Blvd, West Sacramento, CA 95799, we have been serving our community since 1933. With a commitment to putting our members first, we have grown to serve over 4,830 members and manage assets totaling an impressive $77,541,922. At Postcity Financial, we understand that each financial journey is unique. Whether you are looking for checking and savings accounts, auto loans, or mortgage options, our dedicated team is here to help. Under the leadership of our CEO Christine Haley and Board President Daniel Mastren, our team of 15 employees strives to provide personalized service that builds lasting relationships. Our strong financial foundation is reflected in our total deposits of $2,968,371 and net worth of $9,452,481, ensuring that your funds are safe with us. We also take pride in our ability to offer competitive loans currently totaling 1,873 loans and leases tailored to meet the needs of individuals and businesses alike. While members can visit us at our branch location for all their banking needs, we encourage you to explore more about what we offer online at Postcity Financial. Our branch operates from 9 AM to 5 PM, Monday through Friday, ready to assist you in making sound financial decisions. At Postcity Financial, we're not just about numbers; we're about people. We believe that by investing in our community and supporting our members' financial goals, we create a brighter future for everyone. So why wait? Reach out today at (916) 921-5050 or stop by our branch to discover how we can help you thrive financially!

Branch History & Mission

Community Commitment

At Postcity Financial, community involvement is close to our hearts. We understand that supporting local initiatives helps build a stronger foundation for everyone. Whether it's sponsoring local events or partnering with organizations focused on uplifting the community, we are dedicated to making a positive impact right here in West Sacramento.

Join Us

As we look toward the future, we invite you to join us on this journey. Experience firsthand how Postcity Financial can help you reach your financial aspirations while being part of a community-focused institution. Together, let's pave the way for a brighter tomorrow! For more information about opening an account or learning about our services, feel free to contact us at (916) 921-5050 or visit us online at Postcity Financial.

Our Mission

Our mission is simple yet powerful: to empower our members through personalized financial services while actively contributing to the community's growth and development. We believe that everyone deserves access to quality banking services that can help them achieve their financial goals. From personal checking and savings accounts to auto loans and credit cards with rewards, we offer a variety of products designed with our members in mind. We continuously strive to adapt and innovate. In addition to traditional banking services, we provide online banking options that ensure convenience and accessibility. We embrace technology responsibly while maintaining ADA compliance so that everyone can utilize our services without barriers.

Branch Location & Accessibility

Accessibility and Parking

At Postcity Financial, we believe in making banking accessible for everyone. Our branch is ADA compliant and features ramps for easy entry. We have ample parking available right outside, ensuring a hassle-free visit whether you're here for a quick transaction or a more in-depth financial discussion.

Operating Hours

We know how busy life can get, which is why our lobby hours are designed to fit your schedule. You can visit us Monday through Friday from 9 AM to 5 PM. We're here during these hours to assist you with personal banking services like checking and savings accounts, auto loans, mortgage options, and much more.

Services Offered

Postcity Financial offers a wide range of services tailored to meet your financial needs. From personal loans and credit cards with rewards to business banking solutions, we have something for everyone. Unfortunately, we currently do not offer ATM services or drive-thru banking; however, our team is always ready to assist you inside the branch. We invite you to stop by Postcity Financial today! Our friendly staff is eager to help you navigate your financial journey. Whether you're opening a new account or exploring loan options, we look forward to welcoming you into our community!

Member Eligibility

At Postcity Financial, we believe that everyone deserves a chance to thrive, and becoming a member is your first step into our welcoming community. If you live, work, or worship in the area, you're already eligible to join us! We embrace individuals from various backgrounds, ensuring that our membership reflects the diverse tapestry of our community. Joining Postcity Financial means gaining access to tailored financial services designed just for you, whether it's personal banking, auto loans, or business support. The process to become a member is simple and straightforward. Just visit us at our location on 3775 Industrial Blvd West Sacramento Ca 95799, or give us a call at (916) 921-5050 for more details about opening your account. For the most up-to-date eligibility criteria, feel free to check out our website at . We can't wait to welcome you into our family!

Business Banking & Commercial Services

Financing Your Business Dreams

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 for Everyday Success

In addition to loans, we offer merchant services that make transactions easier for your business. Whether you're a small retail shop or a service provider, our payment processing solutions help you accept payments smoothly and securely. Imagine being able to serve your customers without hassle while having access to reports that help you track sales trends this is how we empower your everyday operations. Discover how Postcity Financial can be the partner you need for your business journey right here at 3775 Industrial Blvd, West Sacramento, CA 95799. For more information, call us at 916-921-5050 or visit our website. Let's work together to make your business thrive!

Comprehensive List Of Services

Additional Services

While we don't have ATM services or drive-thru banking at this location, rest assured that our team is here to assist you during our lobby hours from 9 AM to 5 PM on weekdays. We also provide ATM & Cash Withdrawal Services through shared networks for added convenience. At Postcity Financial, we believe in making banking simple and accessible for everyone in West Sacramento and beyond. If you're ready to take control of your finances or have questions about any of our services, please don't hesitate to reach out! Call us at 916-921-5050, visit us at our branch address, or explore more about what we offer at Postcity Financial. Join us today and experience personalized banking tailored just for you!

Business Banking Services

For our entrepreneurial members, Postcity Financial also provides tailored Business Banking solutions. From Merchant Services that streamline payment processing to Business Loans designed to fuel growth, we support local businesses every step of the way.

Credit Cards and Rewards

To enhance your purchasing power, we offer Credit Cards with Rewards that allow you to earn points on everyday purchases. This way, you can enjoy benefits while managing expenses effectively.

Digital Banking Convenience

Understanding the importance of convenience in today's fast-paced world, we offer robust Online & Mobile Banking features. Access your accounts anytime and anywhere with our user-friendly platform. You can check balances, transfer funds, and even pay bills from the comfort of your home or on the go.

Personal Banking Solutions

Whether you're opening your first checking account or planning for retirement, our Personal Banking services cater to all stages of life. We offer various Checking & Savings Accounts that suit different lifestyles, making it easy for you to manage your money efficiently. For those looking to buy a car, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, ensuring you find the right fit for your budget. If home ownership is in your sights, consider our Mortgage Loans & Refinancing services. We guide you through the process, whether you're buying your first home or refinancing an existing mortgage. Additionally, our Personal Loans & Debt Consolidation services can help simplify your finances by providing cash when you need it most.

Digital & Online Banking

E-Statements

Keeping track of your finances is crucial, and with e-statements available at Yes, you'll receive your account statements electronically. This means no more paper clutter; just easy access to your financial information whenever you need it.

Key Features

Our online banking platform allows you to view your account balances, transfer money, and pay bills with just a few clicks. You can enjoy the convenience of person-to-person transfers, making it simple to send money to friends and family without any hassle. Plus, with the option for electronic signature authorization, signing documents has never been easier or more secure.

Mobile Application

For those who prefer banking on the go, our mobile application is here for you. It's user-friendly and packed with features that make real-time account management a breeze. Whether you're checking your balance during your lunch break or transferring funds while waiting in line, our app keeps you connected.

Security You Can Trust

Security is a top priority for us at Postcity Financial. Our online banking services are designed with advanced security measures to protect your personal information. You can bank confidently knowing that your data is safe with us. Whether you're at home or on the move, our digital banking services empower you to manage your finances with ease. Explore all that we have to offer today at https://www.postcitycu.org/!

Financial Strength

Member Savings and Investment

Members' savings are secured through $9,230,175 in share certificates and $648,231 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.

Member Trust

Total Share Accounts stand at 8,309, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $5,238,912, further solidifying our capability to support your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Postcity Financial is your trusted partner. Visit us at 3775 Industrial Blvd West Sacramento Ca 95799 or call 916-921-5050 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operations reflect our efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 12 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Future Growth

With $7,018,572 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $29,880,263 in total loans and leases, including $4,182 in used auto loans.

Strong Net Worth and Capital Foundation

With a net worth of $9,452,481, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.19% 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 provide some of the lowest rates in the industry, with over $6,732,156 in used vehicle loans and $4,659,388 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new model or a reliable pre-owned vehicle, we have options that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,942,207, providing you with the flexibility and affordability needed in today's housing market. If you're considering refinancing your current mortgage or are unsure about eligibility options, our team is ready to assist you with personalized advice.

Personal and Business Loans

While we currently do not have outstanding commercial loans available for businesses at this time, we are dedicated to supporting all our members' financial needs through personal loans and debt consolidation options. At Postcity Financial, we're committed to providing transparent and accessible financial services tailored to your unique situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore our loan offerings today and see how we can help you reach your financial goals!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,184,946 in loans helping members manage their finances effectively. These cards come with benefits that can help you stay on track with your spending while earning rewards along the way.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This allows users to easily navigate their options without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons by sourcing its 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 commitment to transparency means that you receive fair and clear offers, eliminating guesswork from your decision-making process. One of the key benefits of using LendMesh is its emphasis on verified data. Loan offers are sourced only from legitimate financial institutions, which fosters trust and transparency in the comparison process. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings here. The platform's mission is to provide unbiased results, ensuring that all users have equal access to the best rates available. Moreover, LendMesh provides real-time rate comparisons from multiple institutions. This feature empowers users to make informed decisions quickly and effectively, without missing out on potentially lower rates as they change. 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!" Such testimonials highlight the reliability and effectiveness of this tool in helping borrowers secure favorable terms. If you're ready to find the best loan rates tailored to your needs, compare real-time loan offers today at LendMesh. 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.