Safe 1 Credit Union Bakersfield CA | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Safe 1, your trusted credit union located at 8200 Granite Falls Dr, Bakersfield, CA 93312. Established in 1952, we have proudly served our community for over seven decades, growing alongside our members and helping them achieve their financial goals. With a total membership of 83,777 and assets exceeding $976 million, we are committed to providing exceptional service and support tailored to the needs of our members. At Safe 1, we understand that every financial journey is unique. That's why we offer a variety of services ranging from personal banking solutions like checking and savings accounts to auto loans, mortgage financing, and business banking options. Our goal is to ensure that you have access to the resources you need, whether it's through our convenient online banking platform or face-to-face interactions with our knowledgeable staff. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 8200 Granite Falls Dr, Bakersfield, CA 93312. We also maintain a strong presence in the community, with a dedicated team led by CEO David King and Board President Maureen Buscher-Dang, who work tirelessly to uphold our mission of member-focused service. With total deposits of $92,999,094 and a net worth of $150,902,398, we take pride in being a financially sound institution. Our financial health allows us to offer competitive loan rates and excellent customer service without compromising on trust or reliability. If you're ready to explore how Safe 1 can assist you on your financial journey or if you have questions about our services, don't hesitate to reach out! Give us a call at 661-327-3818 or visit us online at safe1.org. Join us today and discover the difference that comes from being part of a credit union that truly cares about its members.

Branch History & Mission

Join Us

As we continue on this journey together, we invite you to be part of the Safe 1 family. Experience personalized service that puts your needs first while enjoying a wide range of financial products tailored just for you. Discover how we can support your goals today! Visit us online at https://www.safe1.org/ or stop by our branch we look forward to welcoming you!

Our Journey

Safe 1 began its journey as a grassroots effort to provide accessible financial services to the local community. Over the years, we have witnessed tremendous growth and evolution, adapting our services to meet the ever-changing needs of our members. Our branch is conveniently located at 8200 Granite Falls Dr Bakersfield Ca 93312, making it easy for you to visit us and experience firsthand the exceptional service we provide. Just a stone's throw away from popular landmarks, our location is not just about banking; it's about being part of the community. Our commitment goes beyond just offering financial products. We believe in creating lasting relationships with our members and supporting initiatives that uplift our neighborhood. From educational workshops to community events, our mission is to empower individuals and families by providing them with the tools they need for financial success.

Our Mission

At Safe 1, our mission is simple yet impactful: to deliver high-quality financial services while fostering a sense of belonging and community support. We strive to make banking convenient through various channels including online and mobile banking, ensuring that you can manage your finances anytime, anywhere. Our drive-thru service and ATM availability are designed with your convenience in mind. We also take pride in being an ADA-compliant facility, ensuring all members of our community can access our services comfortably. Whether you're looking for personal loans, auto financing, or business banking solutions, we are here to help you navigate your financial journey. While members can visit us at 8200 Granite Falls Dr Bakersfield Ca 93312, official correspondence should be sent to 8200 Granite Falls Dr, Bakersfield, CA 93312 if it differs. You can reach us at (661) 327-3818 during our operating hours of 9:00 am - 5:15 pm Monday through Thursday and 9:00 am - 5:30 pm on Fridays.

Branch Location & Accessibility

Welcome to Safe 1, your friendly neighborhood credit union located at 8200 Granite Falls Dr in beautiful Bakersfield, CA. Our branch is conveniently situated near popular local spots, making it easy for you to stop by and take care of your banking needs. Whether you're visiting the nearby parks or just running errands, we're here to help! At Safe 1, we understand that accessibility is important for our members. Our branch offers ample parking space and features that comply with ADA standards, ensuring everyone can comfortably visit us. Plus, if you prefer a bit more convenience, we have a drive-thru available for quick transactions like deposits and withdrawals. Our doors are open from 9:00 AM to 5:15 PM Monday through Thursday, and until 5:30 PM on Fridays. You can easily fit us into your schedule! If you need assistance or have questions, feel free to give us a call at 661-327-3818. We also have an ATM available for those times when you need cash on the go. With services ranging from personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we strive to meet all your financial needs under one roof. While members can visit us at our branch address, official correspondence should be sent to the same location: 8200 Granite Falls Dr, Bakersfield, CA 93312. Come on down to Safe 1; we look forward to serving you!

Member Eligibility

At Safe 1, we believe that everyone deserves a place in our welcoming community. Becoming a member is easy and open to those who live, work, or worship in the Bakersfield area, along with their family members. This means if you have a connection to our community, you can enjoy all the benefits of membership, including personalized financial services and competitive rates. We're here to support your financial journey and make it as smooth as possible. To learn more about the specific eligibility criteria, feel free to visit our website at . Ready to join us? Opening an account is a breeze! You can start the process online by visiting http://www.safe1.org/dbank/live/app/register or give us a call at (661) 327-3818 for any questions you might have. We're excited to welcome you to Safe 1, located at 8200 Granite Falls Dr Bakersfield Ca 93312, where your financial well-being is our priority!

Business Banking & Commercial Services

Merchant Services that Matter

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Picture a bustling retail shop seamlessly accepting payments from customers using various methods. Our services ensure you can focus on what matters most growing your business. Visit us at 8200 Granite Falls Dr Bakersfield Ca 93312 in Bakersfield, CA, or give us a call at (661) 327-3818 to learn more about how we can partner with you on your journey to success.

Supporting Local Businesses

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 Banking Solutions

For small business owners, our Business Banking services include everything from Merchant Services to help manage transactions smoothly, to tailored Business Loans designed to support your growth. We understand the unique challenges businesses face and are here to assist every step of the way.

Convenient Access Options

We know that life can get busy, which is why we prioritize convenience in all that we do. With features like Online & Mobile Banking, you can access your accounts anytime, anywhere. Our ATM and cash withdrawal services ensure you can easily get cash when needed, while our basic drive-thru banking offers quick solutions for deposits and withdrawals without leaving your car.

Credit Cards with Benefits

At Safe 1, we also offer Credit Cards with Rewards that allow you to earn points on every purchase. Whether it's cash back on groceries or travel rewards for your next vacation, our credit card options help you make the most of your spending.

Loans Tailored for You

Need a new vehicle? Our Auto Loans & Vehicle Financing options can help you get behind the wheel quickly and affordably. For those considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services provide competitive rates and personalized support throughout the process. If unexpected expenses arise, our Personal Loans & Debt Consolidation options are designed to ease your financial burden.

Member Support

Our dedicated team is always ready to assist you with any questions or concerns. Feel free to call us at (661) 327-3818 during our operating hours from 9:00 AM - 5:15 PM Monday through Thursday and until 5:30 PM on Fridays. At Safe 1, we're not just about transactions; we're about building relationships and supporting our members' financial journeys. Explore all that we have to offer by visiting us at Granite Falls today! Ready to take the next step? Visit us at https://www.safe1.org/ or stop by the branch we can't wait to serve you!

Personal Banking

Whether you're opening your first checking account or looking for ways to save for the future, our personal banking options have you covered. We offer flexible Checking & Savings Accounts that make managing your money simple and convenient. Imagine having instant access to your funds through our online and mobile banking platforms, allowing you to check balances and transfer money with just a few taps on your smartphone.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.safe1.org/, you can check your account balances, transfer funds, and pay bills whenever it suits you. Whether it's early morning or late at night, your banking needs are just a click away.

Easy Mobile Banking

Stay connected with our user-friendly mobile application. Available for download, it allows you to manage your accounts right from your smartphone. Plus, if you're always on the move, our mobile payments feature makes transactions quick and hassle-free. You can send money to friends or family with ease through our person-to-person transfer service, making splitting bills or sending gifts as simple as a few taps.

Go Green with E-Statements

Embrace an eco-friendly approach by opting for e-statements. Not only will you reduce paper waste, but you'll also gain instant access to your financial statements anytime you need them no more waiting for the mail! At Safe 1, we're committed to providing accessible and efficient banking solutions that fit seamlessly into your lifestyle. Whether you're at home or out and about, we've got the tools you need to stay in control of your finances all while enjoying peace of mind knowing that your information is protected. Join us today and experience the future of banking!

Secure Transactions

We prioritize your security with features like electronic signature authorization. This means you can sign important documents digitally without needing to visit a branch, saving you time while keeping your information secure.

Financial Strength

Commitment to Innovation

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. This commitment allows us to adapt to changing market conditions while staying focused on your financial goals.

Member-Focused Savings

We prioritize our members' needs above all else. 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, our focus is on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operations are designed for efficiency, as reflected by our $0. This efficiency enables 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 who are always ready to assist you with knowledgeable service.

Our Financial Health

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 net worth ratio of $1,546 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Membership Base

With a total of 153,035 share accounts, we have built a strong and growing member base that trusts us with their finances. This trust is foundational to our success as a credit union dedicated to serving its community. 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 8200 Granite Falls Dr Bakersfield Ca 93312 or call (661) 327-3818 to learn more about how we can help you achieve your financial goals.

Supporting Your Financial Goals

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. This flexibility ensures that whether you're looking to purchase a vehicle or finance other needs, we are here for you.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have provided 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 model or a reliable pre-owned vehicle, we are here to assist you every step of the way.

Credit Lines

If you're looking for additional flexibility with your finances, consider our credit lines totaling $427,763,434. This option allows you to access funds as needed without the hassle of reapplying for a loan each time. At Safe 1, we also provide refinancing options for those who want to lower their monthly payments or consolidate debt under better terms. For any questions about our loan offerings or eligibility requirements, feel free to reach out! You can contact us at 661-327-3818 or visit us at our branch located at 8200 Granite Falls Dr, Bakersfield CA 93312. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to providing transparent and helpful information so you can make informed financial decisions. Let us help you navigate your path to financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $59,841,919. Our team can help guide you through the process and find the best terms for your situation.

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 $16,871,857 in loans available, members can take control of their finances and enjoy peace of mind.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 ensures that all loan offers presented are fair and transparent. By working with reputable lenders, LendMesh guarantees that users receive accurate and trustworthy information.

Safe 1