Safe 1 Credit Union Bakersfield CA | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Safe 1, your trusted partner in financial wellness located at 3601 Panama Ln, Bakersfield, CA 93313. Established in 1952, we have proudly served our community for over seven decades. With a robust membership of 83,777 individuals, we are dedicated to providing personalized banking solutions that empower you to achieve your financial goals. At Safe 1, we understand that every member's journey is unique. That's why we offer a wide range of services, from checking and savings accounts to auto loans and mortgages. Our total assets stand strong at an impressive $976,135,098, ensuring that your deposits totaling $92,999,094 are safe and sound. We maintain a net worth of $150,902,398, reflecting our commitment to sound financial management and stability. We pride ourselves on our community impact. Whether it's through our various loan options or our friendly service team of 135 employees, led by CEO David King and Board President Maureen Buscher-Dang, we aim to make a positive difference in the lives of our members. While you can visit us at our branch for all your banking needs, official correspondence should be directed to the same address: 3601 Panama Lane, Bakersfield, CA 93313-3564. Our modern facilities include an ATM and drive-thru service for your convenience. We're here for you Monday through Friday with flexible hours designed to fit your busy lifestyle. If you're looking for a credit union that puts its members first and has the expertise to back it up, look no further than Safe 1. Explore our offerings today by visiting us online at safe1.org or give us a call at 661-327-3818. Join us on this journey towards financial success!

Branch History & Mission

Commitment to Innovation

In today's digital world, we recognize the importance of technology in enhancing the member experience. Safe 1 offers online and mobile banking services that allow you to manage your finances anytime, anywhere. Our ATMs are available for easy cash withdrawals and balance checks, ensuring you have access to your money when you need it most. We are also proud of our ADA compliance initiatives that make our services accessible to all members of our community. This commitment ensures that everyone can enjoy the benefits of modern banking without barriers.

Join Us Today!

As we look toward the future, we invite you to be part of the Safe 1 family. Experience first-hand the difference a member-focused credit union can make in your life. Whether you're looking for personal loans or business banking solutions, we're here to help you achieve your financial goals. Come visit us at Safe 1 in Bakersfield or reach out via phone at 661-327-3818. Let's build a brighter financial future together!

Our Mission

At Safe 1, our mission is clear: We aim to provide exceptional financial services while fostering community growth and support. We believe that everyone deserves access to quality financial products and education. Our commitment goes beyond just banking; we actively engage in initiatives that uplift our local community through partnerships and outreach programs. While members can visit us at 3601 Panama Lane for their banking needs, official correspondence should be sent to 3601 Panama Lane, Bakersfield, CA 93313-3564. We are here for you during convenient hours Monday through Thursday from 9:00 AM to 5:15 PM and Friday until 6:00 PM. Our drive-thru service makes it easy for you to manage your banking on the go.

Branch Location & Accessibility

Additional Services

Safe 1 offers a range of services designed to meet your financial needs, including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. If you're looking for a quick transaction, our drive-thru service makes deposits and withdrawals a breeze. While members can visit us at our branch location on Panama Lane, official correspondence should be sent to our mailing address: 3601 Panama Lane, Bakersfield, CA 93313-3564.

Convenient Access and Features

At Safe 1, we understand that accessibility is important. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Plus, we offer ample parking right outside, so you can get in and out with ease. If you prefer the convenience of banking on the go, you'll be pleased to know we have an ATM available for quick cash withdrawals and balance checks.

Get in Touch!

Have questions or need assistance? Don't hesitate to give us a call at 661-327-3818. Our friendly staff is ready to help you navigate your banking journey. We invite you to come visit us soon at Safe 1 where our community comes first!

Operating Hours That Fit Your Schedule

Our team is here for you during the week! Our lobby hours run from 9:00 AM to 5:15 PM from Monday through Thursday, and on Fridays, we're open until 6:00 PM. These extended hours help accommodate your busy schedule, allowing you to stop by when it suits you best.

Member Eligibility

Becoming a member of Safe 1 is more than just opening an account; it's about joining a community that cares about your financial well-being. If you live, work, or worship in the Bakersfield area, you're likely eligible to join us! We welcome individuals who are committed to building their financial future with our range of services designed just for you. For detailed eligibility criteria, feel free to visit this link. Opening an account at Safe 1 is simple and straightforward. Just head over to our website and fill out the application form found here. If you have any questions or need assistance during the process, don't hesitate to reach out to us at (661) 327-3818. We're excited to help you start your journey with us at our branch located at 3601 Panama Ln Bakersfield Ca 93313, where a supportive team awaits to assist you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services are designed to streamline your operations. Imagine being able to accept payments from customers easily, whether online or in-person. Our services help you manage transactions efficiently, allowing you more time to focus on what you do best running your business. Located at 3601 Panama Ln Bakersfield Ca 93313 in Bakersfield, CA, our team is ready to assist you in finding the right financial solutions tailored specifically for your business needs. Contact us today at (661) 327-3818 to explore 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

ATM & Cash Withdrawal Services

Need cash quickly? Our network of ATMs allows for easy cash withdrawals and balance checks without any hassle. We're committed to making banking accessible wherever you go.

Auto Loans & Vehicle Financing

If you're dreaming of a new car, look no further! Our Auto Loans & Vehicle Financing options make it easy for you to get behind the wheel of your dream vehicle. With competitive rates and flexible terms, we help you find a loan that fits your budget perfectly.

Business Banking

For our entrepreneurial members, we offer comprehensive Business Banking solutions that include merchant services and business loans. As a small business owner, having access to reliable banking resources can empower you to grow your business efficiently.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards! Enjoy benefits like cashback or points on purchases while building your credit score. It's a win-win situation as you spend on everyday expenses!

Drive-Thru Services

For those quick transactions, our basic Drive-Thru Banking service offers an efficient way to handle deposits, withdrawals, and other simple tasks all from the comfort of your vehicle. At Safe 1, we strive to cater to all your banking needs under one roof. No matter what stage you're in life whether saving for college, buying a home, or running a business we're here for you. If you'd like more information about any of our services or want assistance setting up an account, feel free to give us a call at (661) 327-3818 or visit us at Panama Lane today!

Mortgage Loans & Refinancing

Thinking about buying a home? Or maybe it's time to refinance? Our Mortgage Loans & Refinancing services are here to guide you through every step of the process. We understand that purchasing a home is one of the biggest decisions you'll ever make, and our friendly staff is ready to assist you in finding the best mortgage solution tailored just for you.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features. You can check balances, transfer funds, and pay bills from anywhere at any time. Plus, with our mobile app, managing your finances has never been easier.

Personal Banking

We offer Personal Banking services that include checking and savings accounts designed for everyday use. Imagine having easy access to your funds and the ability to earn interest on your savings. Our accounts come with no hidden fees, ensuring you can focus on what truly matters your financial well-being.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come into play. Whether you're facing medical bills or planning a major purchase, our loans provide the support you need with manageable repayment plans.

Digital & Online Banking

E-Statements and Security

Say goodbye to paper clutter! Our e-statements are not only environmentally friendly but also offer enhanced security features. You can easily access and download your statements whenever you need them. And rest assured, your information is protected with the latest security measures in place.

Manage Your Finances in Real-Time

At Safe 1, we believe that real-time account management is crucial for making informed financial decisions. With our digital tools, you can monitor your spending habits, set budgets, and receive alerts for transactions all designed to keep you engaged with your financial health. Experience the freedom of banking wherever life takes you. Join us at Safe 1 and discover how easy digital banking can be!

Mobile Banking Made Easy

For those who prefer banking on the go, our mobile application provides all the essential features right at your fingertips. You can make mobile payments effortlessly and even use our person-to-person transfer service to send money to friends and family instantly. The convenience of mobile banking means you can handle transactions without needing to visit a branch.

Financial Strength

At Safe 1, 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 understand that you want to feel confident about where you place your savings and how your loans are managed. That's why we are committed to maintaining a robust financial foundation. 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. 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. 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 your financial goals with $19,217 in used auto loans and $766,886,033 in total loans and leases. 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 131 full-time employees and 4 part-time employees who are always ready to assist you with knowledgeable service. Our total share accounts stand at 153,035, showcasing a strong and 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, Safe 1 is your trusted partner. Visit us at 3601 Panama Ln Bakersfield Ca 93313 or call (661) 327-3818 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

Auto Loans

Looking to buy a new car? Our auto loans offer 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 looking for a reliable used car or a brand-new model, we have flexible financing options to suit your budget.

Credit Lines

For those who prefer more flexibility with their borrowing options, we provide credit lines totaling $427,763,434. This allows you to draw funds as needed while only paying interest on what you use. It's an excellent choice for both personal and business needs. At Safe 1 Credit Union, we are dedicated to supporting our members through various financial journeys. 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 all our loan offerings today and see how we can assist you in achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $59,841,919, making it easier for you to secure the home of your dreams. If you're considering refinancing your current mortgage, our team is here to help you explore eligibility options that could lower your monthly payments.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. These cards come with competitive rates and no annual fees perfect for those looking to simplify their spending.

Loan Aggregator

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Ensuring Accurate Comparisons

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Safe 1