Santa Clara County Credit Union San Jose CA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Santa Clara County, your trusted partner in achieving financial success right here at 2099 Gateway Pl Ste 140, San Jose, CA 95110. Established in 1950, we have proudly served our community for over seven decades, building a solid reputation of reliability and trust among our 47,387 members. At Santa Clara County, we understand that each member's financial journey is unique. That's why we offer a comprehensive range of services tailored to meet diverse needs, from personal banking and auto loans to mortgage financing and business banking solutions. With total assets of $983,542,662 and total deposits reaching $50,971,186, our commitment to safeguarding your finances is unwavering. Our leadership team led by CEO Rebecca Reynolds Lytle and Board President Traci Hess is dedicated to fostering a welcoming environment where every member feels valued. We pride ourselves on our strong community ties and strive to make a positive impact in the lives of those we serve. For any official correspondence, please note that while you can visit us at our branch location, mail should be sent to 2099 Gateway Place, Suite 140, San Jose, CA 95110. If you're ready to take the next step in your financial journey or have questions about how we can assist you further, don't hesitate to reach out! Call us at (408) 282-0700 during our lobby hours from 9:00 AM to 5:00 PM, Monday through Friday. We look forward to welcoming you into the Santa Clara County family!

Branch History & Mission

Community Engagement

Engagement with the community is at the forefront of what we do. Our partnerships with local organizations allow us to contribute meaningfully to initiatives that enhance the well-being of our area. From financial literacy workshops to community events, we strive to be more than just a bank; we aim to be a cornerstone of support for individuals and families alike. As we look towards the future, we invite you to experience the benefits of membership with us. Join our growing family at Santa Clara County, where your financial goals become our priority. Visit us during our operating hours from 9:00 AM to 5:00 PM on weekdays or give us a call at (408) 282-0700 for more information. Together, let's build a brighter future!

Our Evolution

From our humble beginnings, we have made significant strides in providing personalized financial services to our members. As we evolved, so did our offerings, expanding to include a wide range of products such as personal banking accounts, auto loans, mortgage loans, and business banking solutions. Our commitment to innovation has led us to adopt modern technology, ensuring that members can access their accounts through online and mobile banking platforms.

Our Mission

The mission of Santa Clara County is simple yet profound: to empower our members by providing exceptional financial services while fostering community growth and support. We believe in building strong relationships with our members and investing back into the local community through various outreach programs and partnerships. Whether it's helping a member secure a loan for their first home or supporting local charities, we are dedicated to making a positive impact. While members can visit us at 2099 Gateway Pl Ste 140 San Jose Ca 95110, official correspondence should be sent to 2099 Gateway Place, San Jose, CA 95110. We take pride in being an inclusive institution that complies with ADA standards, ensuring that everyone can access our services comfortably.

Branch Location & Accessibility

Connect With Us

If you have any questions or need assistance before your visit, feel free to call us at (408) 282-0700. We're excited to serve you and help you achieve your financial goals. Come by today and discover how we can support you on your journey!

Convenient Access

Our branch offers ample parking space, ensuring that you can stop by without any hassle. We take pride in being ADA-compliant, with features like ramps to assist those who may need additional support. If you're looking for an ATM, you're in luck! We provide ATM services right here at our location for your convenience.

Operating Hours and Services

We understand that life can be busy, so we've tailored our operating hours from 9:00 AM to 5:00 PM, Monday through Friday, making it easier for you to visit us during your lunch break or after work. While you're here, you can explore a range of services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our team is always ready to assist you with personal banking needs or business banking inquiries. Should you need to send official correspondence, please note that while members can visit us at 2099 Gateway Pl Ste 140 San Jose Ca 95110, official mail should be directed to our mailing address at 2099 Gateway Place, San Jose, CA 95110.

Member Eligibility

At Santa Clara County, we believe that becoming a member is like joining a close-knit family where everyone supports one another. If you're looking to experience the benefits of being part of our community, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the beautiful Santa Clara County area. Whether you're seeking financial guidance or simply want to enjoy competitive rates on loans and savings accounts, we're here for you. You can find more detailed eligibility information by visiting . Opening an account with us is straightforward and welcoming. We've made the process easy so you can start enjoying all the perks right away. To get started, just visit our account opening page at https://www.mirastarfcu.org/open-account/ or give us a call at (408) 282-0700. Our team is always ready to help you take that first step towards a brighter financial future right here at 2099 Gateway Pl Ste 140 San Jose Ca 95110. Join us today and discover how we can make banking not just a necessity, but a pleasure!

Business Banking & Commercial Services

Merchant Services

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most growing your company. From secure payment options to tailored support, we provide the tools that help streamline operations and enhance customer satisfaction. Located at 2099 Gateway Pl Ste 140 San Jose Ca 95110 in San Jose, CA, our team is dedicated to partnering with you on your journey. Contact us today at (408) 282-0700 to explore how we can assist you in reaching your business goals!

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

Additional Services

At Santa Clara County, we prioritize accessibility. Our basic ATM access lets members perform essential functions like withdrawals and balance checks at their convenience. Plus, with features like electronic signatures and e-statements available through our digital platforms, managing your finances has never been simpler. If you have any questions or would like assistance with setting up an account or learning more about our offerings, feel free to reach out by calling us at (408) 282-0700. We're here to help! Discover how Santa Clara County can support your financial journey today by visiting us online at Corporate Office or stopping by our branch in San Jose, CA!

Business Banking

We also cater to entrepreneurs with our business banking services, including merchant services and business loans. Whether you're starting out or expanding an existing venture, we understand the importance of having reliable financial support.

Credit Solutions

For those looking to consolidate debt or tackle unexpected expenses, our personal loans provide a straightforward solution without hidden fees. Plus, our credit cards with rewards allow you to earn points on every purchase perfect for those who want to make their spending work for them!

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your finances anytime, anywhere. Need to check your balance or transfer money between accounts? It's all just a tap away! Our members can also take advantage of ATM and cash withdrawal services, ensuring easy access to cash without any hassle.

Personal Banking

Starting with our personal banking options, we offer both checking and savings accounts designed to help you manage your money effectively. Imagine having easy access to your funds whenever you need them, whether it's for day-to-day expenses or saving for that special vacation. Our checking accounts come with no monthly fees, while our savings accounts help you grow your funds with competitive interest rates. If you're considering purchasing a vehicle, our auto loans and vehicle financing services are here to make that dream a reality. With flexible terms and competitive rates, getting behind the wheel of your new car has never been easier. And if homeownership is on your mind, our mortgage loans and refinancing options can guide you through the process of buying or refinancing your home.

Digital & Online Banking

At Santa Clara County, we understand that banking should fit seamlessly into your busy lifestyle. That's why we offer a range of digital and online banking services designed for your convenience and security. Whether you're at home or on the go, managing your finances has never been easier. With our 24/7 online banking services available at https://www.mirastarfcu.org/, you can access your accounts anytime, anywhere. This means you can check balances, pay bills, and transfer funds with just a few taps on your device. Plus, our mobile application makes it even simpler to stay connected to your accounts while you're out and about. You'll also appreciate the option of e-statements, which let you receive your account statements electronically. This not only helps reduce paper clutter but also keeps your sensitive information secure and easily accessible. And if you ever need to sign documents quickly, our electronic signature authorization feature allows you to do so safely from the comfort of your home. Need to send money to a friend? Our person-to-person transfers feature lets you do just that in real-time, making it easy to split bills or share expenses without any hassle. If you prefer using mobile payments, we've got you covered there too our mobile payments feature ensures quick and secure transactions right from your phone. At Santa Clara County, we are committed to providing user-friendly tools that help you manage your finances efficiently. Our digital banking services prioritize both accessibility and security, allowing you to bank with confidence. Join us today and experience the ease of modern banking!

Financial Strength

Efficient Operations

Our operational efficiency is reflected in our $4,837,597, enabling us to continue offering competitive loan rates and solid financial products for our members. We're proud of having 131 full-time employees who are always ready to assist you with knowledgeable service tailored to your needs.

Focused on You

Unlike traditional banks, we focus on our members first. With non-member deposits at $0, we ensure that our resources are dedicated to benefitting you through better loan rates, lower fees, and exclusive perks designed to enhance your banking experience.

Growing Together

We have a robust membership base with a total of 92,829, showing that more individuals trust us with their finances every day. This growth reinforces our community-driven approach to banking. In conclusion, 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 2099 Gateway Pl Ste 140 San Jose Ca 95110 or call (408) 282-0700 to learn more about how we can help you achieve your financial goals.

Member Savings Security

We prioritize your savings. Members' funds are secured through $161,932,159 in share certificates and $142,550,768 in money market shares, offering stable and rewarding financial growth opportunities. This dedication ensures that your savings not only grow but also remain secure within our cooperative structure.

Reinvestment for Growth

With $89,579,256 in undivided earnings, we continuously reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to adapt and thrive while providing you with the best possible products and services.

Solid Financial Health

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.

Supporting Your Financial Goals

Our lending capacity supports your financial ambitions with $5,320 in used auto loans and $546,731,909 in total loans and leases. This means whether you're looking to purchase a vehicle or need financing for other projects, we're here to help make those goals achievable.

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 purchasing a brand-new vehicle or a reliable used one, our flexible terms make it easier than ever to drive away in your desired ride.

Credit Lines and Unsecured Credit Cards

For those looking for financial flexibility, we provide total credit lines amounting to $248,936,186. In addition, 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. Whether you need to cover unexpected expenses or wish to consolidate debt, our credit products can help simplify your budgeting.

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 are dedicated to guiding you through the process, ensuring that you understand each step along the way.

Refinancing Options

If you're considering refinancing existing loans or seeking eligibility options, our team is ready to assist you. We strive to find solutions that fit your unique situation and financial goals. When it comes to making informed decisions about borrowing, trust is key. That's why we source our performance insights and financial data from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Santa Clara County, we're committed to transparency and ensuring our members have all the information they need. Explore how our loan offerings can benefit you today! Visit us at 2099 Gateway Pl Ste 140 San Jose Ca 95110 or contact us at (408) 282-0700 for personalized assistance.

Loan Aggregator

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 commitment to using verified data guarantees that all loan offers displayed are fair and transparent.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring that users receive reliable information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, helping them make informed decisions quickly. 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!" This testimonial reflects the positive impact LendMesh has had on users looking for better financing options. For anyone seeking the best loan rates available, compare real-time 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.*