Santa Barbara Teachers Credit Union CA | Best Auto Loans & Top Checking

Introduction

Welcome to Santa Barbara Teachers, where we believe in building strong financial futures for our members and the community. Located at 3970 La Colina Rd, Santa Barbara, CA 93110, our branch has been a trusted partner since its establishment in 1937. With over 9,351 members and total assets exceeding $283 million, we are committed to providing personalized financial services that meet your needs. As a member-focused credit union, our mission is to foster growth and stability within our community. We offer a range of services from personal banking solutions, including checking and savings accounts, to auto loans, mortgage refinancing, and business banking options. Our goal is not just about managing money; it's about creating lasting relationships with those we serve. Under the leadership of our CEO, Roy McLaughlin, and Board President Peter Rojas, we have cultivated an environment that prioritizes member satisfaction and financial well-being. Our dedicated team of 20 employees works tirelessly to ensure you receive the highest level of service every time you visit or call us at 805-682-2467. While you can reach us at our physical location for all your banking needs, please send any official correspondence to the same address: 3970 La Colina Rd, Santa Barbara, CA 93110. At Santa Barbara Teachers, we proudly manage total deposits of $89 million and have provided over 1,875 loans and leases, empowering individuals and families to achieve their financial goals. Our net worth stands at an impressive $37 million, reflecting our commitment to sustainability and responsible financial management. We invite you to explore what makes us different. Whether you're looking for guidance on your first car loan or considering ways to invest in your future through a mortgage or business loan, we're here to help. Visit us online at sbtfcu.org or come by our branch today your future starts here!

Branch History & Mission

Welcome to the Santa Barbara Teachers, a credit union with a rich history and a commitment to serving our community in Santa Barbara, CA. Established in 1937, our branch has grown alongside the community, creating a legacy of support and financial empowerment for over 85 years. We proudly serve a diverse membership of 9,351 members, offering personalized financial services tailored to meet their unique needs. Located at 3970 La Colina Rd, Santa Barbara, CA 93110, our branch is easily accessible for all your banking needs. Whether you're near local schools or enjoying the beautiful surroundings of Santa Barbara, we invite you to stop by and experience the friendly service that sets us apart. For any official correspondence, please use our mailing address: 3970 La Colina Rd, Santa Barbara, CA 93110. At Santa Barbara Teachers, we believe that our mission goes beyond just providing financial services; it's about enhancing the lives of our members and supporting the communities we serve. Our mission statement emphasizes our dedication to fostering financial literacy and well-being among our members while actively participating in community outreach initiatives. We aim to make a positive impact through partnerships with local organizations and events that benefit families and individuals in need. As part of our commitment to serving you better, we have embraced modern advancements in banking. Our online banking platform allows members to access their accounts conveniently from anywhere. We also offer mobile banking features for those on the go. While we currently do not have ATM facilities or drive-thru services at this location, we ensure that every member receives personalized attention during lobby hours from Monday to Friday, 8:30 AM to 5:30 PM. Our total assets stand at an impressive $283,276,564, reflecting our solid financial foundation. This allows us to offer competitive rates on various services including personal loans, auto financing, mortgage options, and credit cards with rewards programs. We are proud to provide services that empower our members financially while ensuring they feel supported every step of the way. We invite you to join us at Santa Barbara Teachers and become part of a community-focused credit union dedicated to your success. Experience firsthand how we can help you achieve your financial goals while making a difference in the lives of others. Visit us today or explore more about becoming a member at sbtfcu.org. Your journey towards better financial health starts here!

Branch Location & Accessibility

Welcome to Santa Barbara Teachers, your friendly credit union located at 3970 La Colina Rd in beautiful Santa Barbara, California. Nestled in the heart of Santa Barbara County, our branch is easily accessible for all members and potential members alike. Whether you're visiting us for personal banking or seeking assistance with loans, our convenient location makes it easy to stop by. As you approach our branch, you'll find ample parking available, ensuring that your visit is as smooth as possible. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps so everyone can easily access our services. While you're here, take advantage of our lobby hours from Monday to Friday, where we're open from 8:30 AM to 5:30 PM. Our team is eager to assist you with a variety of financial services including checking and savings accounts, auto loans, mortgage options, and even credit cards with rewards tailored just for you. If you need to reach out to us before your visit or have any questions, feel free to give us a call at 805-682-2467. We're here to help! While members can visit us at 3970 La Colina Rd Santa Barbara Ca 93110, please note that official correspondence should be sent to our mailing address at 3970 La Colina Rd, Santa Barbara, CA 93110. Come visit Santa Barbara Teachers today we look forward to serving you!

Member Eligibility

At Santa Barbara Teachers, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live, work, or go to school in the beautiful Santa Barbara area, you're likely eligible to join us. We also extend our membership to family members of current members. This means you can enjoy all the benefits we offer, from personalized service to competitive rates on loans and savings accounts. For the latest details on eligibility criteria, feel free to check out our website at http://www.sbtfcu.org/membership. Ready to take the next step? Opening an account with us is straightforward! You can start the process online by visiting https://my.sbtfcu.org/enroll or give us a call at (805) 682-2467 if you have any questions. We're here for you at our branch located at 3970 La Colina Rd Santa Barbara Ca 93110, and we can't wait to welcome you into our family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services help streamline your payment processes. Imagine being able to accept payments quickly and securely from customers using various methods. This convenience not only enhances customer satisfaction but also boosts sales allowing you to focus more on growing your business rather than managing transactions. Visit us at 3970 La Colina Rd Santa Barbara Ca 93110 in Santa Barbara, CA, or call us at (805) 682-2467 to learn how we can assist you in achieving your business goals. Together, let's pave the way for your business's bright future!

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

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it easier for you to hit the road without breaking the bank. Whether you're eyeing a shiny new model or a reliable used car, we have competitive rates that fit your budget. You can apply online from the comfort of your home and get pre-approved quickly.

Business Banking

For our business members, we offer comprehensive business banking services, including merchant services and business loans. We know running a business comes with its own set of challenges, which is why we provide tailored solutions to help you thrive.

Credit Cards with Rewards

Don't forget about our credit cards with rewards! Enjoy benefits like cash back on purchases or points towards travel when using your card. This makes everyday spending not only practical but rewarding.

Digital Banking Features

In today's fast-paced world, convenience matters. At Santa Barbara Teachers, we prioritize ease of access through robust online and mobile banking platforms. Check balances, make transfers, and even send money to friends using our person-to-person payment feature all at your fingertips! If you're located in Santa Barbara, CA, visit us at 3970 La Colina Rd Santa Barbara Ca 93110 or give us a call at (805) 682-2467. We're here Monday through Friday from 8:30 AM to 5:30 PM. Discover how Santa Barbara Teachers can be your trusted partner in achieving all your financial goals! For more information on becoming a member or opening an account, visit us online at Santa Barbara Teachers Fcu.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing solutions. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, our team is here to guide you through each step. We know how important it is to find the right loan at the right rate, so let us help you turn your dream home into reality.

Personal Banking

We understand that managing your personal finances is essential. That's why we offer personal banking options including checking and savings accounts designed for everyday use. Imagine having an account that not only keeps your money safe but also helps you earn interest over time. With our easy online and mobile banking services, you can check your balance, transfer funds, and pay bills from anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation services come in handy. Whether it's for medical bills, home repairs, or consolidating high-interest debts into one manageable payment, we're ready to assist you in finding a solution that fits your needs.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, giving you the freedom to check balances, transfer funds, and pay bills on your schedule. You can also enjoy the benefits of e-statements, which provide an eco-friendly way to keep track of your financial statements without the clutter of paper. Plus, if you need to send money to a friend or family member, our person-to-person transfer feature makes it simple and quick.

Mobile Access

For those who prefer managing their finances on-the-go, our mobile application offers all the features you need right at your fingertips. Whether you're looking to deposit checks or view recent transactions, our app is user-friendly and secure. Although we currently don't offer mobile payments, rest assured that your financial information is protected with top-notch security measures throughout all our digital platforms.

Security and Ease-of-Use

We prioritize your safety with every transaction. While we do not utilize electronic signature authorization at this time, our systems are designed to protect your personal information and give you peace of mind as you bank online. The combination of easy navigation and robust security ensures that you can manage your accounts confidently. In summary, whether you're at home or on the move, Santa Barbara Teachers is here to support your banking needs through innovative digital solutions. Explore all that we have to offer by visiting https://www.sbtfcu.org today!

Financial Strength

A Growing Membership Base

Total Share and Deposit Accounts: 13,039, 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, Santa Barbara Teachers is your trusted partner. Visit us at 3970 La Colina Rd Santa Barbara Ca 93110 or call (805) 682-2467 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 20 full-time employees dedicated to serving you with knowledge and commitment. Our team is here to assist you every step of the way.

Member-Centric Savings Options

Although we currently do not have any share certificates or money market shares, we prioritize our members' needs in everything we do. This focus allows us to allocate resources efficiently toward better loan rates and exclusive perks designed for you.

Reinventing for Growth

With $34,402,324 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This ongoing investment helps ensure that your financial needs are met today and into the future.

Solid Capital Foundation

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.

Strong Net Worth

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. This solid foundation supports our ability to serve you effectively.

Supporting Your Financial Goals

We understand the importance of lending to our community. With $308 in used auto loans and $62,076,151 in total loans and leases, 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.

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 interest rates, ensuring you can find an option that suits your budget. Plus, if you're considering refinancing an existing auto loan, we can guide you through the process to potentially lower your monthly payments.

Credit Lines

If you're looking for more flexibility in managing your cash flow, our credit lines totaling $28,707,182 are designed for that purpose. They offer easy access to funds when you need them without the hassle of applying for a new loan each time. If you're interested in any of these loan options or need assistance determining eligibility, feel free to reach out! You can contact us at (805) 682-2467, or visit us at our branch located at 3970 La Colina Rd Santa Barbara Ca 93110 in Santa Barbara, 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 dreams 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. We know that navigating the world of mortgages can be overwhelming, so our dedicated team is here to help you every step of the way from application through closing.

Unsecured Credit Cards

Managing daily expenses? 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. Our credit cards come with rewards that can benefit you further as you spend making it easier for you to stay on top of your budget.

Loan Aggregator

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