Safe Credit Union Lincoln CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Safe, your trusted partner in financial well-being since 1940. Located at 111 Ferrari Ranch Rd, Lincoln, CA 95648, our branch is dedicated to serving the community with a personal touch and a commitment to excellence. With over 234,000 members benefiting from our services, we are proud to manage total assets of $4,635,238,445. At Safe, we believe that banking should be accessible and straightforward. That's why we offer a range of services tailored for you from checking and savings accounts to auto loans and mortgages. Our focus is on providing solutions that meet your needs and help you achieve your financial goals. While members can visit us at our Lincoln branch, official correspondence should be sent to the same address: 111 Ferrari Ranch Road, Lincoln, CA 95648. Our team of 715 employees, led by CEO Faye Nabhani and Board President Rick Blumenfeld, is here to support you every step of the way. With total deposits reaching $403,993,887 and an impressive net worth of $427,499,751, we have built a strong foundation to help our members thrive. Whether you're looking for competitive loan options or innovative online banking solutions, Safe is here for you. We invite you to call us at 916-979-7233 or visit our website at safecu.org to learn more about how we can serve your financial needs. Join us in making your financial journey smoother and more rewarding!

Branch History & Mission

Community Focus

We take pride in being more than just a credit union; we are an integral part of Lincoln's community. Through partnerships with local organizations and outreach programs, we actively participate in community events and initiatives aimed at improving lives. Our commitment extends to ensuring accessibility for all members by maintaining ADA compliance across our services.

Join Us

As we continue this journey together, we invite you to become part of the Safe family. Experience firsthand how we can help you achieve your financial goals while supporting the growth of your community. Visit us today or call us at (916) 979-7233 to learn more about what we can offer you!

Our Journey

From our humble beginnings, Safe has continuously evolved to meet the needs of our members. We've witnessed significant changes in the financial landscape while remaining steadfast in our mission: to provide accessible and affordable financial services that empower individuals and foster community growth. Over the years, we've expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgages, and even business banking services. Our branch is not just about numbers; it's about relationships. We understand that behind every account is a person with dreams and aspirations. This belief drives us to support our members through every stage of life. Whether you're saving for your first home or expanding your business, we're here to help you succeed.

Our Mission

At Safe, our mission goes beyond financial transactions. We aim to enhance the quality of life for our members by promoting financial literacy and providing resources that help them make informed decisions. We believe that when our members thrive, so does our community. Our services are designed with you in mind whether it's through online banking for convenience or shared service centers that make banking accessible for everyone. While members can visit us at 111 Ferrari Ranch Rd Lincoln Ca 95648, official correspondence should be sent to 111 Ferrari Ranch Road, Lincoln, CA 95648 if different from the branch location.

Branch Location & Accessibility

Convenient Access

At Safe, we understand that convenience matters. Our location offers ample parking for our members, ensuring that you can quickly hop in and out without any hassle. We've also made sure that our branch is fully accessible for everyone, featuring ADA-compliant ramps and pathways. If you need to get in touch with us before your visit, don't hesitate to call at 916-979-7233. Our friendly team is ready to assist you during our operating hours: Monday through Friday from 9 AM to 5 PM.

Get Started Today!

We invite you to stop by Safe at Lincoln Crossing for all your banking needs. Whether you're opening a new account or just have some questions about our services, our team is here for you. Remember, while official correspondence should be directed to our mailing address at 111 Ferrari Ranch Road, Lincoln, CA 95648, all member services are available right here at the branch. We look forward to welcoming you!

Services Tailored for You

When you visit our Lincoln Crossing branch, you'll find a range of services designed with your financial needs in mind. From personal banking options such as checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Additionally, we offer shared services for partner credit union members, allowing basic transactions like deposits and withdrawals right at our location. For those on the go, we are proud to provide ATM access so you can easily manage your cash needs whenever it suits you best. Please note that while we currently do not have drive-thru banking available, our branch staff is always ready to help you inside.

Member Eligibility

At Safe, we believe that becoming a member is more than just opening an account; it's about joining a caring community that supports your financial journey. To become a part of our family, you'll find that eligibility is quite inclusive. If you live, work, worship, or attend school in the areas we serve, you're likely eligible for membership. It's as simple as that! This means you can enjoy all the fantastic benefits that come with being a member at Safe, from competitive rates on loans and savings to personalized customer service tailored to your needs. Opening an account is straightforward and welcoming! You can get started by visiting us at our branch located at 111 Ferrari Ranch Rd Lincoln Ca 95648 or give us a call at (916) 979-7233 for any questions you might have. For detailed information on eligibility criteria and how to join, feel free to check out our website at . We're excited to help you take this important step towards better banking with us!

Business Banking & Commercial Services

Loan Options That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $280 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $343,481,235, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Success

In addition to loans, our merchant services provide practical tools for day-to-day operations. From payment processing to point-of-sale systems, we ensure you can focus on what you do best running your business. Imagine simplifying transactions and improving customer satisfaction all at once! Located at 111 Ferrari Ranch Rd Lincoln Ca 95648 in Lincoln, CA, we're here to help your business thrive. Contact us today at (916) 979-7233 to learn more about how we can partner with you for success!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, our Business Banking services include essential tools like Merchant Services & Business Loans. We understand the challenges of running a business and aim to simplify financial management so that you can focus on what really matters growing your business.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. From checking balances and transferring funds to making deposits with just a few taps on your phone, we've got you covered. Additionally, with our ATM & Cash Withdrawal Services, accessing cash is hassle-free. You can use any ATM within our network without worrying about fees.

Home Financing Made Easy

For those ready to settle into their forever home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide personalized solutions. Our team is here to guide you through each step, ensuring you understand all options available.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for a big purchase, our Personal Banking options are designed with you in mind. We offer various Checking & Savings Accounts that cater to different lifestyles and saving strategies. Imagine easily managing your finances while enjoying competitive interest rates and no monthly fees our accounts make it possible! If you're considering a new vehicle, our Auto Loans & Vehicle Financing can help you get behind the wheel sooner than you think. With flexible terms and competitive rates, financing your dream car has never been easier.

Shared Branching for Enhanced Access

As part of our commitment to accessibility, we also offer Basic Shared Branch Transactions, allowing members from partner credit unions to make deposits and withdrawals at our location. This feature makes banking even more convenient when you're away from home. With all these services at your fingertips and a friendly staff ready to assist you every step of the way, we invite you to visit us at 111 Ferrari Ranch Rd Lincoln Ca 95648 or call us at (916) 979-7233. Experience how Safe can help simplify your financial journey today! For more information about what we offer, please check out our website: https://www.safecu.org/ .

Support for Your Financial Journey

Life can be unpredictable, but with our Personal Loans & Debt Consolidation, you have a safety net. Whether you need funds for unexpected expenses or wish to consolidate debt into manageable payments, we're here to support you. Don't forget about our Credit Cards with Rewards! Enjoy the perks of earning points on everyday purchases while keeping track of your spending easily through online banking.

Digital & Online Banking

Key Features

One of the highlights of our digital banking experience is the mobile application. With this app, you can manage your accounts right from your smartphone. Plus, if you're always on the go, you'll appreciate our mobile payments feature, allowing you to make purchases directly from your device without needing cash or cards. Need to send money to a friend? Our person-to-person transfers make it simple and quick. Just a few taps on your phone and the funds are on their way! For those who prefer going paperless, we offer e-statements that provide an easy way to keep track of your finances while reducing clutter. You can also take advantage of electronic signature authorization, making it easier than ever to sign important documents securely from home. At Safe, we're committed to making banking accessible for everyone. Join us today and discover how easy it is to manage your finances with our comprehensive digital banking services!

Financial Strength

A Growing Community

Total Share Accounts: 387,627, showcasing a strong and growing member base that trusts us with their finances. Our ability to generate operational efficiency is evident as reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Safe is your trusted partner. Visit us at 111 Ferrari Ranch Rd Lincoln Ca 95648 or call (916) 979-7233 to learn more about how we can help you achieve your financial goals.

Committed Team Ready to Serve

We also take pride in having 714 full-time employees and 1 part-time employees who are always ready to assist you with a knowledgeable and committed team. Our operations reflect our dedication to providing you with quality service.

Member-Centric Savings Options

Members' savings are secured through $791,004,039 in share certificates and $1,433,859,859 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $31,086,471, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Your Future

With $385,118,181 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 $31,468 in used auto loans and $3,218,582,015 in total loans and leases.

Solid Financial Foundation

With a net worth of $427,499,751, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to your financial well-being is backed by our net worth ratio of $921, 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 $505,594,225 in used vehicle loans and $404,524,781 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive rates for both new and used vehicles, making it easier for you to drive away in the car of your choice.

Business Loans

For business owners, our outstanding commercial loans totaling $343,481,235 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to enhance an existing one, our dedicated team can help you find the right financing solution. In addition to these offerings, we encourage potential borrowers to explore refinancing options or check their eligibility for any of our loan products. Our goal is to ensure that you have access to the best financial solutions available. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you have any questions or need assistance, please don't hesitate to contact us at (916) 979-7233. We're here to help!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $131,075,536. We make buying or refinancing simple, with various options tailored to fit different budgets and financial situations. Our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, but we can help. We offer flexible terms on unsecured credit card loans, with a total of $103,654,608 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can ease your monthly financial obligations.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 commitment to sourcing ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh maintains a high standard for accuracy in its comparisons.

SAFE CREDIT UNION