Santa Clara County Credit Union Gilroy CA | Low Mortgage Rates & Business Banking

Introduction

Welcome to Santa Clara County, your trusted financial partner since 1950! Located conveniently at 6915 Camino Arroyo, Gilroy, CA 95020, we are dedicated to serving our community with a range of banking solutions tailored just for you. With a proud membership of over 47,000 and total assets reaching an impressive $983,542,662, we are committed to providing excellent services that meet your financial needs. At Santa Clara County, we understand that every member has unique goals and challenges. That's why we offer a variety of products including personal checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Our 131 dedicated employees are here to guide you through every step of your financial journey. Under the leadership of our CEO, Rebecca Reynolds Lytle, and Board President, Traci Hess, we strive to build lasting relationships with our members and foster community growth. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 6915 Camino Arroyo, Gilroy, CA 95020. With total loans amounting to 25,485 and deposits exceeding $50,971,186, our focus remains on maintaining a secure and supportive environment for all our members. We take pride in having a net worth of $94,912,021 and cash in hand amounting to $4,142,227, ensuring that we are well-positioned to serve you effectively. We invite you to explore our offerings at sccfcu.org or give us a call at 408-947-3161. Whether you're looking for financial advice or assistance with your accounts, our team is ready to help. Join us in shaping a brighter future together!

Branch History & Mission

Welcome to Santa Clara County, a credit union that has proudly served the community since 1950. Located at 6915 Camino Arroyo in Gilroy, California, this branch has become a cornerstone for local residents, fostering financial wellness and empowering members through personalized banking solutions. Over the decades, Santa Clara County has grown significantly, now boasting a total membership of 47,387 and assets totaling an impressive $983,542,662. Our journey began with a simple mission: to provide accessible financial services that cater to the needs of our members while contributing positively to the community we serve. This mission remains at the heart of everything we do. At Santa Clara County, we believe in not just banking but building lasting relationships. Our commitment extends beyond traditional financial services; we actively engage in community outreach programs and partnerships that uplift our neighbors and foster growth within Gilroy and its surroundings. Whether it's providing educational resources or supporting local initiatives, we strive to make a meaningful impact every day. While members can visit us at our branch location in Gilroy, official correspondence should be sent to our mailing address at 6915 Camino Arroyo, Gilroy, CA 95020. We are open Monday through Thursday from 10 AM to 5:30 PM, Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM. Our team is dedicated to serving you during these hours with a focus on personalized service. As part of our commitment to modern banking needs, we offer advanced digital services including online banking and mobile payment options. With ATM availability on-site, accessing your funds is convenient and straightforward. While we do not currently offer drive-thru banking or shared service centers, our friendly staff is always available to assist you directly. Join us at Santa Clara County and experience how our rich history and unwavering mission can benefit you personally. We invite you to become part of our growing family your journey toward financial health starts here! For more information or to open an account today, please visit our website or call us at (408) 947-3161. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessible Banking Experience

Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking options to ensure that everyone can visit us comfortably. Whether you're walking in or using our ATM for quick transactions, we aim to provide a smooth banking experience for all members.

Convenient Operating Hours

We know your time is valuable! That's why our doors are open Monday through Thursday from 10 AM to 5:30 PM, Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM. Our dedicated team is here to assist you during these hours, ensuring you get personalized service when it matters most.

Services Tailored for You

At Santa Clara County Gilroy Branch, we offer a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we have everything covered. While you're here, don't hesitate to ask about our online and mobile banking features that make managing your finances easier than ever. Whether you want to stop by for a chat or need assistance with your accounts, our friendly staff is always ready to help. If you have any questions or need further assistance, feel free to give us a call at 408-947-3161. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Santa Clara County is like joining a close-knit community where your financial goals are supported and celebrated. To be eligible, you simply need to live, work, or worship in the area we serve, which makes it easy for many people to join us. We believe in inclusivity and want everyone to feel welcome. Once you're a member, you'll enjoy fantastic benefits such as personalized service, competitive rates on loans, and access to a variety of financial products tailored just for you. Opening an account is straightforward! You can visit us at 6915 Camino Arroyo Gilroy Ca 95020 or check out our website for more details on how to get started: https://www.mirastarfcu.org/open-account/. If you have any questions or need assistance, don't hesitate to call us at (408) 947-3161. For the most up-to-date information on eligibility requirements, please refer to this link: . We're excited to welcome you into our family!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine having a payment solution that not only accepts credit cards but also helps you manage cash flow better. Our merchant services simplify transactions, making it easier for your customers to pay while giving you quick access to your funds. Whether you operate a small shop or a larger enterprise, these services are crafted to enhance your daily operations. Visit us at 6915 Camino Arroyo Gilroy Ca 95020 in Gilroy, CA, or call us at (408) 947-3161 to learn how our business banking and commercial services can fuel your success!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we provide comprehensive Business Banking services. From merchant services that help streamline transactions to tailored business loans designed to fuel growth, we're dedicated to supporting local businesses in achieving their goals.

Convenient Access Anytime

At Santa Clara County, we know how important convenience is in today's world. That's why we offer robust Online & Mobile Banking features that allow you to check balances, transfer funds, and pay bills from wherever you are. With ATM access available for cash withdrawals and balance checks, managing your money has never been easier. In addition, our friendly team is always ready to assist during our lobby hours Monday through Thursday from 10 AM to 5:30 PM, Friday until 6 PM, and Saturday from 10 AM to 2 PM making sure you have all the support you need.

Empowering You with Personal Loans

If you're facing unexpected expenses or planning a major purchase, our Personal Loans & Debt Consolidation services can help ease the burden. We take the time to understand your financial situation so we can tailor a loan that works for you. Plus, our straightforward application process means quicker access to funds when you need them.

Financing Your Dreams

When it comes to financing, Santa Clara County has you covered with Auto Loans & Vehicle Financing. Whether you're purchasing a new vehicle or refinancing an existing loan, we offer competitive rates and flexible terms to help make your dream ride a reality. For those looking to buy a home or refinance their mortgage, our Mortgage Loans & Refinancing options are designed to simplify the process and provide peace of mind. We'll work closely with you to find the best solution for your housing needs.

Join Us Today!

Discover how easy managing your finances can be with the right support. Visit us at Santa Clara County, call us at (408) 947-3161, or explore more about our services on our website here. We look forward to helping you achieve your financial dreams!

Personal Banking Made Simple

We offer various Personal Banking options, including checking and savings accounts that fit your lifestyle. Imagine having an account that not only keeps your money safe but also helps you grow it. Our accounts come with features designed for ease of use, such as online banking and mobile apps that let you manage your finances from anywhere.

Rewarding Credit Cards

Looking to earn rewards while spending? Our Credit Cards with Rewards allow you to get more out of every dollar spent. Enjoy perks that make your everyday purchases even more rewarding.

Digital & Online Banking

Conclusion

At Santa Clara County, we're committed to providing accessible and user-friendly banking solutions that fit your lifestyle. Join us today and discover how easy it is to manage your finances digitally through our online banking services!

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. Whether you're at home or on the go, you can stay on top of your finances with ease. Plus, our mobile application brings all these features directly to your smartphone for even more convenience. With our electronic signature authorization feature, signing documents is quick and hassle-free. No need to print or fax anything just sign electronically and you're done! You can also receive e-statements, which are not only eco-friendly but also help you keep your financial records organized in one place.

Security and Accessibility

We prioritize your security with robust measures in place to protect your information while you bank online. You can enjoy peace of mind knowing that your personal data is safe as you manage your accounts from the comfort of your home or while out running errands. Additionally, our person-to-person transfer feature allows you to send money easily to friends or family without the need for cash. This way, splitting expenses has never been simpler!

Financial Strength

At Santa Clara County, 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're proud to share that our financial health allows us to serve you better, providing peace of mind and confidence in your banking experience. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $94,912,021, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 965 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 $161,932,159 in share certificates and $142,550,768 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 $89,579,256 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $5,320 in used auto loans and a total of $546,731,909 in loans and leases, we support members' financial goals across various sectors. Our operational efficiency shines through with a net income of $4,837,597, 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, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Additionally, our total share accounts stand at 92,829, 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 Clara County is your trusted partner. Visit us at 6915 Camino Arroyo Gilroy Ca 95020 or call 408-947-3161 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $106,193,491 in used vehicle loans and $42,061,722 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Credit Lines

Our total credit lines amount to $248,936,186, providing our members with the flexibility they need for unexpected expenses or planned purchases. These lines are an excellent resource for managing cash flow and ensuring you have access to funds when necessary.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $114,946,191. If you're considering buying a home or refinancing your current mortgage, our knowledgeable team can guide you through the process.

Refinancing Options

If you're interested in refinancing existing loans be it auto loans or mortgages we offer tailored solutions that could save you money on interest payments and monthly installments. Contact us for more information about eligibility and how we can assist you in lowering your financial burden. For any inquiries regarding our loan products or to discuss which option might be best for you, please don't hesitate to reach out at 408-947-3161. You can visit us at our branch located at 6915 Camino Arroyo Gilroy Ca 95020 during our operating hours: Monday to Thursday from 10 AM to 5:30 PM, Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM. 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 your financial success!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $22,508,738 in loans helping members manage their finances effectively. These cards come with competitive interest rates and are designed to fit various spending habits and payment preferences.

Loan Aggregator

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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 fair and transparent offers, allowing users to trust that they are viewing accurate information when comparing loans.