Santa Barbara Teachers Credit Union Lompoc CA | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Santa Barbara Teachers, your trusted financial partner located at 1307B N H St, Lompoc, CA 93436. Since our establishment in 1937, we have proudly served over 9,351 members in the community. With total assets of $283,276,564 and a commitment to providing exceptional service, we strive to meet the diverse financial needs of our members. At Santa Barbara Teachers, we understand that every member has unique financial goals. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or personal loans, our dedicated team is here to help you navigate your journey. We are proud to offer a variety of services tailored to fit your lifestyle and aspirations. Under the leadership of CEO Roy McLaughlin and Board President Peter Rojas, our team of 20 employees works tirelessly to ensure that your experience with us is seamless and rewarding. Our strong net worth of $37,734,413 reflects our stability and dedication to providing excellent financial services. While members can visit us at our Lompoc branch for all their banking needs during lobby hours from 9:30 AM to 5:00 PM, official correspondence should be sent to our mailing address at 1307B N H St, Lompoc, CA 93436-3312. We invite you to explore what makes Santa Barbara Teachers special. Visit us online at sbtfcu.org or call us at 805-736-1606 for any inquiries or assistance. Your financial success is our priority!

Branch History & Mission

Commitment to Innovation

As we continue to grow, we've embraced technology to better serve our members. With online banking options and mobile applications available, managing your finances has never been easier. We ensure that all our digital services comply with ADA standards so that everyone can access the resources they need without barriers.

Community Engagement

Our commitment extends beyond banking; we actively participate in community outreach efforts and partnerships designed to uplift those around us. We understand the importance of giving back and strive to make a positive impact in Lompoc and beyond. Join us on this journey as we continue to build a brighter future together. Whether you're looking for personal banking solutions or seeking support for your business endeavors, Santa Barbara Teachers is here for you. Visit our website at sbtfcu.org or call us at 805-736-1606 today! Experience firsthand the benefits of being part of our growing family.

Our Mission

At Santa Barbara Teachers, our mission is clear: We aim to empower our members through exceptional financial services while fostering a strong sense of community support. We believe that everyone deserves access to resources that help them achieve their financial goals. From checking and savings accounts to auto loans and credit cards with rewards, we offer a range of services tailored to fit your needs. While members can visit us at 1307B N H St, official correspondence should be sent to 1307B N H St, Lompoc, CA 93436-3312 if needed. Our branch operates from Monday to Friday from 9:30 AM to 5:00 PM, ensuring that we are here when you need us most.

Branch Location & Accessibility

Welcome to the Santa Barbara Teachers branch, conveniently located at 1307B N H St in Lompoc, CA. This central spot makes it easy for our members to access essential banking services while enjoying the charming atmosphere of our local community. If you need to send official correspondence, please use our mailing address at 1307B N H St, Lompoc, CA 93436-3312. Situated near popular landmarks, our branch is not only accessible but also inviting. Parking is available nearby, ensuring a hassle-free visit. We are committed to making your experience as smooth as possible, which includes ADA-compliant features like ramps for easy access. Our doors are open Monday through Friday from 9:30 AM to 5:00 PM, providing ample time for you to drop by and take care of your banking needs. Whether you're looking to open a checking account or inquire about auto loans and personal financing options, our friendly staff is here to assist you. While we do not currently offer an ATM or drive-thru service at this location, we encourage you to explore our online and mobile banking options for added convenience. Feel free to reach out at 805-736-1606 with any questions or just stop by! We look forward to welcoming you at Santa Barbara Teachers.

Member Eligibility

At Santa Barbara Teachers, we believe that joining our community is about more than just banking; it's about becoming part of a supportive family. If you're eager to become a member, you'll find that eligibility is quite simple and welcoming. Individuals who work in education, including teachers, school employees, and their families, are invited to join us. We also extend membership to anyone who lives or works in the Lompoc area. This means you could be just a few steps away from enjoying the benefits of our personalized services and competitive rates designed to help you reach your financial goals. Getting started is easy! You can find more details on our eligibility criteria by visiting this link. If you're ready to open an account or if you have any questions, feel free to call us at (805) 736-1606. We're here to help make your transition into membership smooth and enjoyable. Join us at our branch located at 1307B N H St Lompoc Ca 93436 we can't wait to welcome you!

Business Banking & Commercial Services

Commercial Loans

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

Imagine seamlessly accepting payments from your customers while managing transactions effortlessly. Our merchant services make this a reality. By offering various payment options and easy-to-use technology, we help businesses like yours enhance customer satisfaction and streamline operations. It's not just about processing payments; it's about creating a smooth experience for both you and your clients. Visit us at 1307B N H St Lompoc Ca 93436 in Lompoc, CA to learn more about how our business banking solutions can elevate your company's potential. You can also reach us at (805) 736-1606 for any inquiries or to set up a consultation. Let's work together to achieve your business goals!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, our services extend to business banking as well. We provide merchant services and business loans designed to help your enterprise thrive. Whether it's expanding your operations or managing cash flow, we have solutions that can grow alongside your business.

Convenient Access

We know that convenience is key in today's fast-paced world. Our online and mobile banking platforms let you handle your finances at your fingertips. From accessing e-statements to making person-to-person payments quickly, we've made it easier than ever for you to stay on top of your financial life. While we currently do not have ATMs or drive-thru services available at our location at 1307B N H St Lompoc Ca 93436, our commitment remains strong: providing exceptional service when you need it most. For any inquiries or assistance regarding our services, feel free to reach us at (805) 736-1606 during our operating hours from Monday to Friday, 9:30 AM to 5:00 PM.

Credit Card Options

Don't forget about our credit cards with rewards! They allow you to earn points on every purchase, making it easier for you to treat yourself while managing expenses wisely.

Join Us Today!

At Santa Barbara Teachers, we're more than just a credit union; we're a community partner dedicated to helping you achieve financial success. Explore all that we offer at Santa Barbara Teachers Fcu by visiting us online or giving us a call today!

Personal Banking Services

Our personal banking services start with checking and savings accounts designed to help you manage your everyday finances effortlessly. With features like online banking and mobile access, you can check your balance, transfer money, and pay bills anytime, anywhere. If you're considering a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Imagine driving off in that new car without breaking the bank! For those looking to purchase a home or refinance an existing mortgage, we offer mortgage loans tailored to fit your budget. We make the process straightforward, ensuring you feel supported every step of the way. Additionally, our personal loans and debt consolidation services can assist you in achieving your financial goals by consolidating high-interest debt into manageable payments.

Digital & Online Banking

Key Features

We know how important it is for you to stay connected with your money. That's why we provide features like person-to-person transfers, which allow you to send money to friends and family quickly and easily. No more worrying about cash or checks just a simple transaction at your fingertips! For those who prefer going paperless, our e-statements are available, making it easier than ever to keep track of your finances while also being eco-friendly. Plus, our mobile application offers all these conveniences right on your smartphone. With just a few taps, you can manage your accounts wherever life takes you.

Security You Can Trust

Your security is our top priority. While we do not currently offer electronic signature authorization for transactions, rest assured that all our online banking features are protected by the latest security measures. We strive to keep your personal information safe so you can focus on what matters most your financial goals. Whether you're looking to monitor your spending or make immediate payments, our digital banking services at Santa Barbara Teachers are here to support you every step of the way. Join us today and experience the ease of managing your finances online!

Financial Strength

Dedicated Team

We also take pride in having 20 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 13,039, showing 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, Santa Barbara Teachers is your trusted partner. Visit us at 1307B N H St Lompoc Ca 93436 or call (805) 736-1606 to learn more about how we can help you achieve your financial goals.

Lending Capacity

We have $308 in used auto loans and $62,076,151 in total loans and leases, which shows our lending capacity supports members' financial goals across various sectors. Our $3,318,824 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Savings Solutions

Members' savings are secured through $0 in share certificates and $0 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.

Reinvestment for Improvement

With $34,402,324 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to growth allows us to support your financial goals with confidence.

Solid Financial Health

With a net worth of $37,734,413, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,332 demonstrates a solid capital foundation, ensuring 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 offer some of the lowest rates in the industry, with over $4,742,766 in used vehicle loans and $2,603,236 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make financing your vehicle straightforward and stress-free.

Credit Lines

Our total credit lines amount to $28,707,182, offering additional flexibility for those unexpected expenses or planned purchases. These lines of credit can help you navigate life's ups and downs without breaking the bank. At Santa Barbara Teachers, we prioritize your financial well-being and aim to provide you with the tools necessary for success. If you're interested in refinancing options or exploring eligibility, our knowledgeable staff is here to assist you. For more information about our loan offerings, feel free to contact us at (805) 736-1606 or visit us at our branch located at 1307B N H St Lompoc Ca 93436, Lompoc, 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. Let us help you take the next step toward achieving your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,887,029, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our dedicated team can guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,907,410 in loans helping members manage their finances effectively. These cards come with no collateral requirements, giving you the freedom to use them as needed while enjoying competitive interest rates.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, guaranteeing transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the market. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, allowing for informed decision-making. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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 users receive fair and transparent offers tailored to their needs.

SANTA BARBARA TEACHERS FEDERAL CREDIT UNION - Lompoc, CA