Safe 1 Credit Union Bakersfield CA | Best Auto Loans & Business Banking

Introduction

Welcome to Safe 1, your trusted partner in financial well-being, located at 1400 Mill Rock Way, Bakersfield, CA 93311. Established in 1952, our credit union has grown to serve a vibrant community of over 83,000 members. We pride ourselves on being more than just a financial institution; we're a cornerstone of support for individuals and families throughout Kern County. At Safe 1, we understand that managing finances can be challenging. That's why we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. With total assets of $976,135,098 and total deposits reaching $92,999,094, we are well-equipped to provide you with the financial stability you deserve. Our dedicated team, led by CEO David King and Board President Maureen Buscher-Dang, is committed to ensuring that every member feels valued and supported. While members can visit us at our branch location, official correspondence should be sent to the same address: 1400 Mill Rock Way, Bakersfield, CA 93311. If you have any questions or need assistance, feel free to call us at 661-327-3818 during our lobby hours from 8:00 AM to 6:00 PM on weekdays. Join us at Safe 1 where your financial goals become our mission! Whether you're looking for personal banking solutions or business services, we're here to help you every step of the way. Explore more about what we offer by visiting our website at safe1.org. Let's build a brighter future together!

Branch History & Mission

Our Mission

The mission of Safe 1 is simple yet profound: to enhance the financial well-being of our community while fostering trust and support. We believe in empowering individuals with the tools they need for financial success. Our dedicated team ensures that every interaction is meaningful and beneficial. We strive not only to provide exceptional financial products but also to engage in outreach efforts that uplift our community as a whole. We are proud of our drive-thru banking services which allow members to manage their transactions conveniently, and while we currently do not have ATM availability or shared service centers, we are committed to providing comprehensive online and mobile banking options. Members can easily access their accounts anytime through our secure platforms. As part of our outreach efforts, we collaborate with local organizations to support various initiatives aimed at improving the lives of those around us. Through these partnerships, we actively contribute to building a stronger community. In conclusion, we invite you to join Safe 1 and experience firsthand the benefits of being part of a member-focused credit union. Together, let's work towards achieving your financial goals while making a positive impact in Bakersfield. For any inquiries or assistance, feel free to reach out at 661-327-3818 during our operating hours from 8:00 AM to 6:00 PM on weekdays. Join us today!

Branch Location & Accessibility

Contact Us

Have questions or need assistance? Don't hesitate to call us at 661-327-3818. We look forward to welcoming you into our branch soon! Come by today and discover how Safe 1 can help you achieve your financial goals.

Nearby Landmarks and Accessibility

Located in the heart of Kern County, our branch is just a stone's throw away from popular spots like the local shopping center and community parks. This makes it easy to combine your banking errands with other activities. We offer convenient parking right outside our entrance, making your visit hassle-free. Our facility is also ADA compliant, ensuring that everyone can access our services comfortably.

Operating Hours and Services

We understand that your time is valuable. That's why we're open Monday through Friday from 8:00 AM to 6:00 PM, providing ample opportunity for you to visit us when it suits your schedule best. Our drive-thru service allows for quick transactions without leaving your vehicle; perfect for those busy days when you need to bank on-the-go. At Safe 1, we offer a range of personal and business banking services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and more. Plus, enjoy online and mobile banking features that let you manage your finances wherever you are.

Member Eligibility

At Safe 1, we believe in fostering a close-knit community where everyone is welcome to thrive. Becoming a member is simple! If you live, work, worship, or attend school in the Kern County area, you're likely eligible to join us. We take pride in offering our members access to exceptional financial services tailored to meet their needs, whether that's personal banking, loans, or credit card options with rewards. You can explore all the details about eligibility by visiting our website at . Ready to take the next step? Opening an account at Safe 1 is straightforward and user-friendly. Just head over to http://www.safe1.org/dbank/live/app/register to start your membership journey online. If you have any questions or need assistance, feel free to give us a call at (661) 327-3818. Join us today and experience the benefits of being part of a supportive financial community right here at 1400 Mill Rock Way Bakersfield Ca 93311!

Business Banking & Commercial Services

Lending Solutions for Your Business

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. Additionally, 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 That Work for You

In addition to loans, we offer comprehensive merchant services that simplify daily transactions. Imagine seamlessly accepting payments from customers, whether they're using cards or mobile wallets. This not only enhances customer experience but also helps you manage cash flow effectively. With our services at your side, you can focus more on what you do best running your business. Visit us at 1400 Mill Rock Way Bakersfield Ca 93311 in Bakersfield, CA, or call us at (661) 327-3818 to learn how we can support your business banking needs!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing make it simple and affordable. We offer competitive rates and flexible terms to help you drive off with the vehicle of your dreams without breaking the bank. Plus, our friendly loan specialists are here to guide you through the process every step of the way.

Business Banking Services

For our entrepreneurial members, we offer comprehensive Business Banking services including merchant services and business loans tailored for small businesses. Your success is important to us, and we're dedicated to providing the resources needed for growth.

Convenient Access Options

At Safe 1, convenience is key. Enjoy basic drive-thru banking for deposits, withdrawals, and simple transactions without ever leaving your car. Although we currently do not have ATM services available, our online banking features ensure that you can manage your finances anytime, anywhere. We invite you to visit us at 1400 Mill Rock Way Bakersfield Ca 93311 or call us at (661) 327-3818 during our operating hours from 8:00 AM to 6:00 PM on weekdays. Let's work together toward achieving your financial goals! For more information about all our offerings, visit us online at Main Office.

Credit Cards with Rewards

Want to earn rewards while making everyday purchases? Our Credit Cards with Rewards program allows you to earn points on what you already buy whether it's groceries or gas leading to exciting rewards down the line.

Home Ownership Made Easy

Homeownership is a significant milestone, and with our Mortgage Loans & Refinancing, we aim to make it achievable for everyone. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, we have tailored solutions that fit your budget. Our team is ready to assist you in finding the best loan option.

Personal Banking

Managing your day-to-day finances has never been easier. With our Personal Banking options, including checking and savings accounts, you can easily track your spending and grow your savings. Imagine having the flexibility to access your funds anytime through our robust Online & Mobile Banking platforms. Our digital features allow you to check balances, transfer money, and pay bills right from your smartphone or computer.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, but our Personal Loans & Debt Consolidation options are designed to help you regain control over your finances. Need extra cash for home repairs or medical bills? We've got you covered with straightforward terms and quick approvals.

Digital & Online Banking

Key Features

One of the standout features of our digital services is the ability to send money easily through person-to-person transfers. Whether you're splitting a bill with friends or sending a gift, it's quick and hassle-free. Plus, with electronic signature authorization available, signing documents online has never been simpler or more secure. We also provide e-statements, so you can go paperless and view your statements whenever you need them. This not only keeps things organized but also helps reduce clutter at home. And if you're interested in making payments using your mobile device, our mobile payments feature has got you covered just tap and go!

Security and User-Friendliness

Your security is our utmost concern. Our online banking system uses advanced encryption technology to protect your personal information. You can bank confidently knowing that we take every measure to safeguard your data. In summary, Safe 1 offers a complete suite of digital banking solutions that empower you to manage your finances effortlessly. With easy access through both our website and mobile application, along with user-friendly features like person-to-person transfers and electronic statements, we're here to make banking as simple as possible for you!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 153,035, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $0, reflecting our dedication to making your money work harder for you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Safe 1 is your trusted partner. Visit us at 1400 Mill Rock Way Bakersfield Ca 93311 or call (661) 327-3818 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $255,689,894 in share certificates and $47,251,272 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 operational efficiency is highlighted by our $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 131 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Growth

With $137,229,571 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 $19,217 in used auto loans and $766,886,033 in total loans and leases.

Strong Net Worth

With a net worth of $150,902,398, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to financial stability is further reflected in our net worth ratio of $1,546, which demonstrates a solid capital foundation. This ensures 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 $374,656,708 in used vehicle loans and $207,361,809 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, our competitive rates and flexible terms make it easier than ever to drive away in the car you want.

Business Loans

For business owners, while we currently do not have outstanding commercial loans available, we are always exploring new opportunities to support local businesses with financing options tailored to your needs. If you're interested in refinancing any of these loan types or want to check your eligibility for our offerings, don't hesitate to reach out. Our team is ready to assist you with all the information you need. You can contact us at (661) 327-3818 or visit us at our branch located at 1400 Mill Rock Way Bakersfield Ca 93311 in Bakersfield, 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. At Safe 1, we're committed to providing accessible and affordable lending solutions that empower our members financially. Let us help you take the next step towards achieving your dreams today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $59,841,919, making buying or refinancing simple. We offer tailored solutions that cater to first-time buyers as well as those looking to refinance their existing mortgages. Our knowledgeable staff will assist you at every step, ensuring a smooth experience.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $16,871,857 in loans helping members manage their finances effectively. This option allows you to make purchases without tying up your assets, giving you peace of mind and financial flexibility.

Loan Aggregator

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