Folsom Credit Union CA | Affordable Auto Loans & Mortgage Refinance

Introduction

Welcome to Sacramento's Folsom Branch, where your financial well-being is our top priority! Located at 1705 Iron Point Rd Ste 100, Folsom, CA 95630, we have been proudly serving our community since 1935. With over 28,398 members and a commitment to providing exceptional service, our branch stands as a trusted partner in your financial journey. At the Folsom Branch, we understand that navigating your financial options can be overwhelming. That's why our dedicated team of 97 employees, led by CEO Bhavnesh Makin and Board President Les Brown, is here to guide you every step of the way. We offer a wide range of services, including personal banking, auto loans, mortgage loans, and business banking solutions tailored to meet your needs. With total assets amounting to an impressive $835,254,005 and total deposits reaching $138,762,170, you can trust that your money is in safe hands. Our robust portfolio includes 12,393 loans, reflecting our commitment to helping you achieve your dreams whether it's purchasing a new vehicle or financing your home. While members can visit us at 1705 Iron Point Rd Ste 100, official correspondence should be sent to our mailing address at 800 H St, Sacramento, CA 95814-2607. We invite you to explore our services further at sactocu.org or give us a call at 916-444-6070. Let us help you take the next step toward financial success!

Branch History & Mission

Commitment to Excellence

Our operating hours reflect our commitment to convenience: we're open from 10:00 AM - 6:00 PM Monday through Friday, and 10:00 AM - 2:00 PM on Saturdays. We offer ATM availability for those who prefer quick transactions and ensure that every visit meets ADA compliance standards so that all members can access our services comfortably. As we look forward to the future, we invite you to become part of our family at Sacramento. Join us today and discover how we can support your financial journey together! Whether you're looking for a new account or seeking advice on loans, our friendly staff is here to help you every step of the way. Feel free to reach out at (916) 444-6070 or visit us online at Folsom Branch for more information about becoming a member or exploring what we offer!

Our Journey

Located at 1705 Iron Point Rd Ste 100, our Folsom Branch serves as a cornerstone for local families and businesses. Since opening our doors, we have embraced innovation while maintaining our core values. Our journey has been marked by key milestones, including the expansion of services such as personal banking, auto loans, mortgages, and business banking solutions. Each step we take is driven by our mission to empower our members with the financial tools they need to thrive. While members can visit us at 1705 Iron Point Rd Ste 100 Folsom Ca 95630, official correspondence should be sent to 800 H St, Sacramento, CA 95814-2607. This dual approach ensures that we are accessible to everyone in our community while managing operations efficiently from our headquarters in Sacramento.

Our Mission

At Sacramento, our mission goes beyond just providing financial services; it is about building a stronger community together. We believe that when our members succeed, we all succeed. That's why we focus on offering personalized support and guidance tailored to individual needs. Our team is dedicated to creating an environment where every member feels valued and understood. In addition to traditional banking services, we actively participate in community outreach efforts, forging partnerships that uplift those around us. Whether through financial literacy programs or local sponsorships, we strive to make a positive impact in Folsom and beyond.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with accessibility in mind, featuring ADA-compliant facilities and convenient parking options. Whether you're coming in for personal banking services or seeking assistance with loans and accounts, our friendly staff is here to help you navigate your financial journey.

Operating Hours

We understand that life gets busy, which is why we offer flexible operating hours. You can visit us Monday through Friday from 10:00 AM to 6:00 PM and on Saturday from 10:00 AM to 2:00 PM. We invite you to drop by during these times to explore our range of services, including checking and savings accounts, auto loans, mortgage options, and more.

Services Offered

At the Folsom Branch, we provide a variety of banking services tailored to meet your needs. Enjoy easy access to ATMs for cash withdrawals and balance checks, or inquire about our personal loans and credit card options that come with rewards. While we do not offer drive-thru banking at this location, our dedicated team is ready to assist you inside. We encourage you to reach out if you have any questions or would like more information about how we can support your financial goals. Feel free to call us at 916-444-6070 or visit our website at sactocu.org for further details. Come visit the Folsom Branch today! We're excited to welcome you into our community-focused environment where your financial well-being is our priority.

Member Eligibility

Welcome to the welcoming community at Sacramento! If you're looking to become a member, you'll find that joining us is simple and inviting. We're open to anyone who lives, works, worships, or attends school in the area, as well as their family members. This means that if you have a connection to our vibrant community at 1705 Iron Point Rd Ste 100 Folsom Ca 95630, you're likely eligible to enjoy all the benefits we offer. From personalized banking services to competitive rates on loans and accounts, being a member means being part of something special. To get started on your membership journey, you can easily check the detailed eligibility criteria at http://www.sactocu.org/about/become-a-member . Once you've confirmed that you qualify, opening an account is just a few clicks away simply visit https://www.onlinebanking-sactocu.org/tob/live/usp-core/app/register . If you have any questions or need assistance, feel free to reach out to us at (916) 444-6070. We're here for you every step of the way!

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've funded over $16 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $15,088,033, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer essential merchant services that simplify transactions for your business. Imagine a busy café using our payment processing solutions to serve customers quickly and efficiently ensuring every sale counts while reducing wait times. Our services are designed to enhance your daily operations, allowing you to focus on what you do best: running your business. Located at 1705 Iron Point Rd Ste 100 Folsom Ca 95630 in Folsom, CA, we're here to support your journey. Call us at (916) 444-6070 or visit us online at https://www.sactocu.org/ to discover how we can help your business grow!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? At Sacramento, we provide competitive auto loans and vehicle financing options that can make your dream car a reality. With straightforward application processes, you can get pre-approved quickly, allowing you to shop with confidence.

Convenient Access Anytime, Anywhere

In today's fast-paced world, convenience matters. That's why we prioritize online and mobile banking, letting you check balances, pay bills, or transfer money right from your phone or computer. Plus, our ATM services ensure that cash withdrawals are always within reach. At Sacramento, we're here to support all aspects of your financial life with personalized service and community-focused values. If you're interested in learning more about how we can assist you on this journey, don't hesitate to reach out! Call us at (916) 444-6070 or visit us online at Folsom Branch. Your financial goals are just a conversation away!

Home Sweet Home: Mortgage Solutions

Purchasing a home is one of the biggest decisions you'll ever make. That's why we offer comprehensive mortgage loans and refinancing solutions to suit different budgets and preferences. Our knowledgeable staff is ready to guide you through the process, ensuring that you understand every step along the way.

Personal Banking Made Easy

Whether you're opening your first checking account or looking to save for a major purchase, we offer various personal banking options. Our checking and savings accounts are designed with flexibility in mind, making it easy for you to manage your finances. Imagine effortlessly transferring funds between accounts or setting up automatic savings our online and mobile banking features simplify these tasks.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans can help you regain control over your finances. We work with you to find a solution that fits your situation, helping you reduce stress while managing payments effectively.

Rewarding Credit Card Options

Our credit cards with rewards allow you to earn points on everyday purchases. Whether it's dining out or shopping for essentials, each swipe gets you closer to exciting rewards. Plus, managing your credit card is simple with our online tools.

Supporting Local Businesses

For entrepreneurs and small business owners, we offer tailored business banking services, including merchant services and business loans. We understand the unique challenges that come with running a business, and our goal is to provide resources that help your venture thrive.

Digital & Online Banking

Key Services

Our online banking platform provides 24/7 access, allowing you to check balances, make transfers, and pay bills whenever it suits you. Need to send money to a friend? With our person-to-person transfer feature, it's simple and quick! Just a few taps, and you're done. For those who prefer using their mobile devices, our mobile application is here for you. It's packed with features that make banking even more convenient. You can view e-statements whenever you want, giving you an easy way to keep track of your finances without the clutter of paper statements.

Security and Convenience

We take your security seriously. While we currently don't support electronic signature authorization, our systems are designed with robust security measures to protect your information. Plus, managing your accounts in real-time means you can monitor your transactions closely and catch any discrepancies right away. With the ease of mobile payments not yet available, our focus remains on ensuring that every other aspect of your digital experience is smooth and straightforward. Whether you're using a desktop or a smartphone, you'll find that our online banking services are designed with simplicity in mind. In summary, at Sacramento, we're committed to providing accessible and secure digital banking solutions tailored for you. Explore all the features today at https://www.sactocu.org/ and take charge of your financial journey!

Financial Strength

At Sacramento, 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 proud to share that our financial strength reflects our commitment to you, ensuring that your money is in safe hands. With a net worth of $109,196,392, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,339 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 $150,074,639 in share certificates and $114,167,358 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. With $108,807,770 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $3,678 in used auto loans and $417,017,261 in total loans and leases, supporting members' financial goals across various sectors. Our 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 93 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand strong at 58,173, showing a growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sacramento is your trusted partner. Visit us at 1705 Iron Point Rd Ste 100 Folsom Ca 95630 or call (916) 444-6070 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Offering

Additional Information

Our team is dedicated to finding the best loan solutions for you. If you're considering refinancing or want to explore eligibility options, please reach out. We're here to guide you through every step of the process. You can contact us at (916) 444-6070 or visit us at our branch located at 1705 Iron Point Rd Ste 100 Folsom Ca 95630, Folsom, CA. 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 products today and see how we can help you achieve your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $72,751,413 in used vehicle loans and $69,900,108 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it simple for you to find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $15,088,033 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we are here to support you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $51,511,396, make buying or refinancing simple. Whether you are a first-time buyer or looking to refinance your current mortgage, we have solutions tailored to your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $9,191,686 in loans helping members manage their finances effectively. These cards come with competitive interest rates and no annual fees, making them an excellent option for many borrowers.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 that all offers are fair and transparent, allowing users to trust the information they receive.

Sacramento