Santa Barbara Teachers Credit Union Santa Maria CA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Santa Barbara Teachers, your trusted financial partner in Santa Maria, CA. Located at 2615 S Miller St Ste 110, our branch has been serving the community since 1937, with a commitment to supporting our members through every financial journey. With over 9,351 members and total assets exceeding $283 million, we take pride in being a reliable resource for personal and business banking needs. At Santa Barbara Teachers, we understand that your financial goals are unique. That's why we offer a variety of services, including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards tailored just for you. Our dedicated team, led by CEO Roy McLaughlin and Board President Peter Rojas, is here to provide personalized support and guidance. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 2615 Miller St Ste 110, Santa Maria, CA 93455-1775. We invite you to explore our website at sbtfcu.org for more information about membership eligibility and how we can assist you. With total deposits of $89 million and total loans reaching 1,875, we strive to foster a strong financial foundation for our community. Whether you're looking to finance your next vehicle or consolidate debt, we're here to help you succeed. Join us today and experience the difference of being part of a credit union that truly cares about its members. Call us at 805-925-8922 or stop by during our lobby hours from Monday to Friday between 9:30 AM and 5:00 PM. Let's build your financial future together!

Branch History & Mission

Community Commitment

At the heart of our mission is a dedication to uplifting those around us. We understand that financial wellness goes hand-in-hand with community support. That's why we actively engage in outreach programs and partnerships that promote education, health, and overall well-being within Santa Maria. Our commitment extends beyond traditional banking services; we offer personal banking solutions such as checking and savings accounts, auto loans, mortgage financing, and business banking options. Each service is designed with our members' best interests in mind.

Join Us

While you can visit us at our branch address for all your banking needs during our operating hours (Monday through Friday from 9:30 AM to 5:00 PM), official correspondence should be sent to our mailing address: 2615 Miller St Ste 110, Santa Maria, CA 93455-1775. We invite you to experience the benefits of being part of Santa Barbara Teachers. Join us today and discover how we can help you achieve your financial goals while being an integral part of your community. For more information or to become a member, call us at (805) 925-8922 or visit our website at sbtfcu.org. Together, let's build a brighter future!

Our Journey

Since our inception, Santa Barbara Teachers has grown from a small credit union into a trusted financial partner for more than 9,350 members. With total assets exceeding $283 million, we have continuously adapted to meet the evolving needs of our community. Our mission has always been clear: to provide accessible financial services that empower our members while fostering a sense of belonging and support. Over the years, we have embraced advancements in technology to enhance our offerings. Our digital banking options allow members to manage their finances anytime, anywhere. We also prioritize accessibility with ADA-compliant facilities and user-friendly online resources.

Branch Location & Accessibility

Welcome to the Santa Barbara Teachers branch, conveniently located at 2615 S Miller St Ste 110 in beautiful Santa Maria, CA. Our location is designed with your needs in mind, making it easy for you to access our services and support. Whether you're here for personal banking, auto loans, or any of our other financial offerings, we strive to create a welcoming atmosphere for all our members. While you can visit us at our branch address, please note that any official correspondence should be sent to the same location: 2615 Miller St Ste 110, Santa Maria, CA 93455-1775. Located near popular local spots and easily accessible from main roads, our branch is surrounded by friendly neighborhoods and community landmarks. We ensure that parking is available for your convenience, making your visit hassle-free. Additionally, we are committed to accessibility and have features in place to accommodate all visitors. Our lobby hours are designed to fit into your busy schedule; we're open Monday through Friday from 9:30 AM to 5:00 PM. If you have questions or need assistance outside of these hours, feel free to give us a call at 805-925-8922. Although we currently do not offer ATM services or drive-thru banking, our dedicated staff is always ready to assist you inside the branch. We provide a wide range of services including personal banking accounts, vehicle financing options, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. We invite you to come in and experience the difference at Santa Barbara Teachers. Let us help you achieve your financial goals!

Member Eligibility

At Santa Barbara Teachers, we believe that everyone deserves a supportive financial community. Becoming a member is easy and welcoming, and we're excited to share that our membership is open to individuals who live, work, or attend school in Santa Barbara County. This means if you're part of our vibrant local community, you can enjoy the many benefits we offer. With services like personal banking, auto loans, and credit cards with rewards, joining us isn't just about opening an account; it's about being part of something bigger. If you're ready to take the next step toward becoming a member at Santa Barbara Teachers, simply visit us at our branch located at 2615 S Miller St Ste 110 Santa Maria Ca 93455 or give us a call at (805) 925-8922. You can also find detailed eligibility criteria on our website at http://www.sbtfcu.org/membership . And when you're ready to open your account, check out the simple process outlined at https://my.sbtfcu.org/enroll . We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a payment system that is both easy to use and reliable. Our merchant services ensure you can accept payments effortlessly, whether online or in-store. This means you can focus on what really matters growing your business while we handle the transactions. Located at 2615 S Miller St Ste 110 Santa Maria Ca 93455 in Santa Maria, CA, our friendly team is ready to assist you with all your business banking needs. Give us a call at (805) 925-8922 or visit us today to learn 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

Auto Loans & Vehicle Financing

When it comes to purchasing a new car or refinancing your current vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture yourself driving off in that new car with a loan that fits comfortably within your budget. Our team is here to guide you through the process, ensuring you get the best deal possible.

Business Banking

For our entrepreneurial members, we offer robust business banking services including merchant services and business loans. We know how important it is for businesses to have reliable financial support, so we're here to help you thrive in today's competitive market.

Convenient Access

Accessing these services has never been easier! With our comprehensive online and mobile banking, you can manage accounts, transfer funds, pay bills, and even make person-to-person payments right from your smartphone or computer. Plus, if you need cash or want to deposit checks, we have ATM and cash withdrawal services available too. At Santa Barbara Teachers, we believe in empowering our members with the tools they need for financial success. Whether you're just starting out or looking for ways to grow your wealth, we're here for you every step of the way. For more information about any of our services or to get started today, feel free to reach out at (805) 925-8922 or visit us at 2615 S Miller St Ste 110 Santa Maria Ca 93455. Let's take this journey together towards a brighter financial future!

Credit Cards with Rewards

Take advantage of our credit cards with rewards! These cards not only provide purchasing power but also earn you points for everyday spending. Imagine using those points for travel or gift cards it's a great way to get more from your purchases!

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and at Santa Barbara Teachers, we offer mortgage loans and refinancing options to help make that dream a reality. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our experienced staff will work closely with you to find the right solution.

Personal Banking

We understand that managing your money is essential for achieving your goals. That's why we offer personal banking services that include checking and savings accounts designed to fit your lifestyle. Imagine having a checking account that helps you track your spending easily while still earning interest on your savings. With our user-friendly online and mobile banking options, you can access your accounts anytime, anywhere, making it easier to stay on top of your finances.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans are designed to give you quick access to cash when you need it most. If you're juggling multiple debts, consider our debt consolidation services that can simplify your payments into one manageable monthly installment.

Digital & Online Banking

E-Statements and Security

We also offer E-Statements, which provide you with a safe, eco-friendly way to view your account statements without the clutter of paper. You'll receive notifications as soon as your statements are available, making it easy to stay on top of your finances. Plus, security is a top priority for us. While we don't currently support electronic signature authorization, our online systems are designed with robust security measures to protect your information.

Mobile Application and Payments

For those who prefer using their smartphones, our Mobile Application is here for you. It offers all the essential features right at your fingertips, allowing you to manage your accounts wherever life takes you. Although we currently don't offer mobile payment options, rest assured that person-to-person transfers are simple and straightforward through our app.

User-Friendly Experience

Whether you're setting up an automatic payment or checking recent transactions, our user-friendly interface ensures that navigating through your accounts is a breeze. With tools that help you manage money in real-time, you'll always have a clear view of your financial health. Join us at Santa Barbara Teachers and discover how our digital banking services can enhance your banking experience today!

Financial Strength

Committed Team Ready to Serve You

We also take pride in having 20 full-time employees who are dedicated to helping you meet your needs. Whether you have questions or require assistance, our knowledgeable team is always here for you.

Conclusion

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 2615 S Miller St Ste 110 Santa Maria Ca 93455 or call (805) 925-8922 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Your savings are safe with us. 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.

Our 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. This foundation ensures that we can keep our promises to you, even in uncertain economic times. 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.

Reinvestment in Our Community

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. Our lending capacity supports your financial goals across various sectors, with $308 in used auto loans and $62,076,151 in total loans and leases. 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 rates, making it easier than ever to drive away in the vehicle you want.

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. Our credit cards come with rewards and features designed to make your spending more rewarding and manageable.

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. Our knowledgeable staff will guide you through the process and help determine which option best fits your financial situation.

Other Loan Options

For those seeking additional financing solutions, we have various personal loan options available as well. Whether you're looking to consolidate debt or cover unexpected expenses, we can discuss suitable options based on your needs. If you're considering refinancing any existing loans or would like to know about eligibility options, don't hesitate to ask us for more information during your visit or call. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Santa Barbara Teachers, we are committed to helping you navigate your financial journey with ease and confidence. Visit us today or check out our website at https://www.sbtfcu.org for more details!

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SANTA BARBARA TEACHERS FEDERAL CREDIT UNION - Santa Maria, CA