Santa Clara County Credit Union San Jose CA | Best Auto Loans & Business Banking

Introduction

Welcome to Santa Clara County, your trusted partner in financial services located at 70 W Hedding St, San Jose, CA 95110. Since our establishment in 1950, we have proudly served over 47,000 members, helping them achieve their financial goals with confidence and ease. Our commitment to the community is reflected in our total assets of $983,542,662 and total deposits amounting to $50,971,186. At Santa Clara County Credit Union, we believe in building strong relationships with our members. Under the leadership of our dedicated CEO, Rebecca Reynolds Lytle, and Board President, Traci Hess, we strive to provide exceptional service tailored to your needs. With a team of 131 employees, we're always ready to assist you with personal banking options like checking and savings accounts, auto loans, mortgage financing, and much more. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to 70 West Hedding Street, San Jose, CA 95110 if different from our physical address. Whether you're looking to open a new account or explore loan options our knowledgeable staff is just a phone call away at 408-392-1881. We invite you to experience the difference of being part of a community-focused credit union that puts its members first. Visit us online at sccfcu.org or stop by today!

Branch History & Mission

Welcome to Santa Clara County, a credit union with a rich history and a strong commitment to our community. Established in 1950, we have been proudly serving the San Jose area for over seven decades. Our branch, located at 70 W Hedding St, San Jose, CA 95110, has grown alongside our members, evolving to meet their changing needs while maintaining our core mission of providing accessible and affordable financial services. Over the years, we have achieved significant milestones that reflect our dedication to fostering financial wellness in our community. Today, we are proud to support nearly 47,387 members and manage total assets of approximately $983,542,662. Our growth is not just about numbers; it reflects the trust and loyalty of our members who have turned to us for their banking needs. Our mission is straightforward yet profound: to empower individuals and families through sound financial solutions while supporting the local community. We strive to create lasting relationships by offering personal banking services such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Our team is dedicated to helping you navigate your financial journey with confidence. While members can visit us at our branch location on Hedding Street, official correspondence should be sent to 70 West Hedding Street, San Jose, CA 95110 if you need a mailing address. We are committed to ensuring accessibility for everyone; thus, we offer ADA-compliant facilities and various digital banking options including online banking and mobile payments. In addition to our comprehensive banking services, we believe in giving back. Our partnerships with local organizations enhance community outreach efforts aimed at improving financial literacy and supporting those in need. We understand that being part of a community means more than just providing services; it means actively contributing to its growth and well-being. At Santa Clara County Credit Union, we invite you to experience the benefits of membership firsthand. Whether you're looking for personalized service or modern banking conveniences like ATM access available right here at our location or engaging mobile applications for easy account management, we have you covered. Join us today and become part of a supportive community focused on achieving financial success together! For any inquiries or assistance, feel free to reach out at (408) 392-1881 during our operating hours from Monday to Friday between 9 AM and 5 PM. We look forward to welcoming you!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Our branch is conveniently situated near local landmarks such as the San Jose City Hall and the beautiful Plaza de Cesar Chavez. This prime location makes it easy to fit a visit into your day, whether you're running errands or enjoying the vibrant downtown area. Parking is readily available, ensuring that you can find a spot without hassle. We prioritize accessibility with features that comply with ADA standards, including ramps and designated parking spaces for those who need them.

Operating Hours and Services

We invite you to visit us during our lobby hours from Monday through Friday, 9 AM to 5 PM. If you have questions before your visit or need assistance with services like personal banking, auto loans, or online banking, feel free to give us a call at 408-392-1881. At our Santa Clara County branch, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to mortgage loans and credit cards with rewards, we are committed to providing personalized support every step of the way. Plus, enjoy the convenience of ATM access right on-site! While members can visit us at 70 W Hedding St, official correspondence should be sent to our mailing address: 70 West Hedding Street, San Jose, CA 95110. We look forward to welcoming you! Stop by or give us a call today we're excited to assist you with all your banking needs!

Member Eligibility

Becoming a member of Santa Clara County is like joining a friendly community where your financial well-being is the top priority. If you're living or working in Santa Clara County, you may be eligible to join us! We welcome individuals from various backgrounds, and whether you're looking for personal banking services or business solutions, there's a spot for you here. To find out more about who can become a member, check our eligibility details at . Opening an account is a breeze! You can easily start the process by visiting our website at https://www.mirastarfcu.org/open-account/ or by giving us a call at (408) 392-1881. Our team is ready to help you every step of the way. Join us at Santa Clara County, located at 70 W Hedding St San Jose Ca 95110, and experience the benefits of being part of our supportive credit union 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

In addition to loans, we offer comprehensive merchant services that can simplify your transactions and enhance your customer experience. Picture this: you run a busy café, and during peak hours, every second counts. Our merchant services streamline payment processing, allowing you to serve customers quickly while keeping track of sales effortlessly. If you're ready to elevate your business banking experience, visit us at 70 W Hedding St San Jose Ca 95110 in San Jose, CA or call us at (408) 392-1881. Let's work together to pave the way for your business's success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? With our ATM services available at various locations, accessing your funds is simple and secure. You can withdraw cash or check balances whenever needed without hassle. --- We invite you to visit us at 70 W Hedding St San Jose Ca 95110 or give us a call at (408) 392-1881 for more information about how we can assist you with these services. At Santa Clara County, we're dedicated to supporting our members' financial goals every step of the way! Explore all we have to offer by visiting our website at West Hedding today!

Auto Loans & Vehicle Financing

Planning to purchase a new vehicle? Our auto loans offer competitive rates and flexible terms to fit your budget. We understand that buying a car is a significant commitment, and we're here to guide you through the financing process, ensuring you get the best deal possible.

Business Banking

For entrepreneurs and small businesses, we provide essential banking services like merchant services and business loans. These tools are designed to help you grow your business without added stress.

Credit Cards with Rewards

With our credit cards featuring rewards programs, every purchase can lead to benefits! Whether it's travel points or cash back offers, enjoy the perks of using your card while managing your expenses effectively.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, Santa Clara County provides comprehensive mortgage loan options. Our team will assist you in finding the right plan that suits your financial situation, helping you take one step closer to owning your dream home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking services allow you to bank anytime, anywhere. From making payments to accessing account statements with just a few taps on your device, managing finances has never been easier.

Personal Banking

Our personal banking services include checking and savings accounts that help you manage your day-to-day finances effortlessly. Imagine having an account where your money works for you, with easy access through our online and mobile banking platforms. You can check balances, transfer funds, or pay bills right from your smartphone!

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans can be a great solution. We offer straightforward terms and transparent processes so that you can focus on what matters most getting back on track financially.

Digital & Online Banking

Key Features

Experience the convenience of 24/7 online banking services that allow you to check balances, pay bills, and transfer funds with just a few clicks. Our mobile application makes it even easier to stay on top of your finances while on the go. You can also enjoy the benefits of e-statements, which not only help you keep track of your transactions but also contribute to a more eco-friendly approach by reducing paper waste. For added convenience, our electronic signature authorization means you can sign important documents digitally, saving you time and hassle. Whether you're sending money to a friend or making payments, our person-to-person transfers are fast and secure. Plus, if you're looking for an easy way to pay, our mobile payments feature lets you make purchases directly from your smartphone.

Security and Accessibility

We prioritize your security, using advanced encryption and protective measures to ensure that your personal information stays safe. Our online banking platform is designed to be straightforward and intuitive, so you can navigate with ease. Whether you're a tech novice or an expert, you'll find everything you need right at your fingertips. At Santa Clara County, we're committed to providing services that enhance your banking experience while ensuring accessibility and real-time account management. Join us today and discover how our digital and online banking solutions can simplify your financial life!

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 are committed to maintaining a strong financial position that ensures we can provide the best possible services to our community. 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 supports members' financial goals across various sectors with $5,320 in used auto loans and a total of $546,731,909 in loans and leases available. Our operational efficiency is reflected in our 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 ready to serve you with a knowledgeable and committed team. In total, we have 92,829 share accounts, showing a strong and growing member base that trusts us with their finances. This trust is built on our transparent operations and commitment to your financial well-being. 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 70 W Hedding St San Jose CA 95110 or call 408-392-1881 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Loan Options

For those looking for additional financial support, we have other lending options available as well. Whether you need personal loans for debt consolidation or business loans for commercial ventures, our team is here to assist you every step of the way. If you're considering refinancing any of your existing loans, ask us about our eligibility options. We strive to provide solutions that meet your needs and help you save money over time. Our friendly staff at Santa Clara County, located at 70 W Hedding St San Jose Ca 95110 in San Jose, CA, is ready to help you navigate through our loan offerings. You can reach us at (408) 392-1881 during our lobby hours from Monday to Friday, 9 AM to 5 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 partner with you on your financial journey!

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 a new or used vehicle, our financing options are designed to fit your budget and lifestyle.

Credit Card Loans

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. Our credit cards come with various benefits designed to make everyday purchases easier while helping you build your credit score.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $114,946,191, make buying or refinancing simple. We provide competitive rates and flexible terms that cater to your unique situation, making it easier than ever to secure the home of your dreams.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 ensures that users receive fair and transparent offers. Each loan comparison reflects current market conditions, allowing borrowers to make informed decisions based on accurate information.