Self-Help Credit Union Chico CA | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Self-help, your trusted partner in financial wellness located at 2201 Pillsbury Rd, Chico, CA 95926. Established in 2008, we have grown to serve over 129,107 members, providing a range of personal and business banking services designed to empower our community. With total assets reaching an impressive $2,126,239,636 and total deposits of $437,357,613, we are committed to helping you achieve your financial goals. At Self-help, we believe that everyone deserves access to quality financial services. That's why our dedicated team of 397 employees, led by our CEO Martin Eakes and Board President Jose Caballero, works tirelessly to ensure that your banking experience is smooth and rewarding. Whether you're looking for auto loans, mortgage refinancing, or personal banking solutions, we have the tools and expertise to assist you. We understand the importance of being there for our members. That's why we offer flexible online and mobile banking options alongside our reliable ATM services. Our goal is not just to provide financial products but also to build lasting relationships within the community. If you're ready to take the next step towards a brighter financial future or simply want to learn more about what we can do for you, don't hesitate to reach out! Call us at 530-342-2955 during our lobby hours from Monday to Friday, 9:00 AM - 5:00 PM. We invite you to visit our website at self-help.org for more information or to open an account today!

Branch History & Mission

A Future Together

In today's digital age, we've embraced technology to enhance your banking experience with online and mobile banking options. This allows you to manage your finances on your terms while ensuring that all services remain ADA compliant. Join us at Self-help where your financial well-being is our priority. Experience firsthand how we can support your dreams today! For more information or to become a member, please call us at 530-342-2955 or visit self-help.org. Let's build a brighter future together!

Community Commitment

At Self-help, we believe in giving back. Our partnerships with local organizations highlight our dedication to community outreach and support. Whether it's sponsoring educational events or providing financial literacy programs, we strive to make a positive impact in Chico and its surrounding areas. While members can visit us at 2201 Pillsbury Rd, official correspondence should be sent to our headquarters in Durham, NC. We are here for you during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM. With ATM availability and no drive-thru service at this location, we ensure that your banking experience is as convenient as possible.

Our Story

From the very beginning, Self-help was founded on the principle of helping individuals and families navigate their financial journeys. Over the years, we have witnessed tremendous growth, now boasting total assets of over $2.12 billion. This success is not just about numbers; it's about the lives we touch and the communities we uplift through our diverse range of services. Our mission goes beyond traditional banking. We aim to provide personal banking solutions that include checking and savings accounts, auto loans, mortgage financing, and even business banking services. By focusing on accessibility and inclusivity, we've designed our offerings to cater to everyone in our community.

Branch Location & Accessibility

Accessibility Features

At Self-help, we prioritize accessibility for all our members. Our branch is ADA compliant and equipped with ramps and other features to ensure that everyone can navigate our space comfortably. We also offer ample parking nearby, making it convenient for you whether you're visiting for a quick transaction or planning to sit down with one of our friendly staff members to discuss your financial needs.

Operating Hours

We are open Monday through Friday from 9:00 AM to 5:00 PM. Whether you're looking to open a new account or need assistance with loans or mobile banking, our team is ready to help during these hours.

Services Offered

Our Chico branch provides a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with ATM availability on-site, you can easily access cash whenever you need it. While we currently do not offer drive-thru services or shared service centers, we strive to make every visit pleasant and efficient. If you have any questions or need further assistance, please don't hesitate to reach out! You can call us at 530-342-2955 for more information. We invite you to visit us soon at Self-help in Chico where your financial well-being is our top priority!

Member Eligibility

At Self-help, we believe in creating a warm, welcoming community where everyone can thrive. Becoming a member is easier than you might think! If you live, work, or worship in the areas surrounding 2201 Pillsbury Rd Chico Ca 95926, you're likely eligible to join us. We also welcome family members of current members, so if you have someone already part of our community, you can join too! By becoming a member at Self-help, you'll gain access to a range of financial services designed with your needs in mind, from personalized banking options to competitive loan rates and rewarding credit cards. To start your journey with us, simply check out our eligibility details at https://www.self-help.org/personal/join-us/join-shcu . If you're ready to open an account or have any questions, feel free to give us a call at (530) 342-2955. Joining is just the beginning of a supportive relationship that helps you reach your financial goals!

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 $111 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $95,154,985, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a reliable partner who makes it easy for your customers to pay you while streamlining your financial processes. Our merchant services provide just that! From card processing solutions to online payment systems, we help you enhance customer satisfaction and simplify transactions. Located at 2201 Pillsbury Rd Chico Ca 95926 in Chico, CA, our team is ready to assist you with tailored financial solutions designed for your business's success. Contact us today at (530) 342-2955 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For business owners, we offer robust solutions that simplify banking operations. From Merchant Services that enhance payment processing to tailored Business Loans designed to help you grow, we are committed to supporting local businesses in every way possible.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Self-help, we provide comprehensive Online & Mobile Banking services. Manage your accounts from anywhere with ease check balances, transfer funds, and pay bills all from the palm of your hand. Our secure ATM & Cash Withdrawal Services ensure that you have access to your funds whenever you need them. Whether it's through basic ATM access for withdrawals and balance checks or utilizing our user-friendly mobile application for person-to-person payments, we strive to make banking as simple and accessible as possible.

Join Us Today!

At Self-help, we're not just about banking; we're about building relationships and creating solutions that last. Discover how our full suite of services can meet your financial needs by visiting us at 2201 Pillsbury Rd Chico Ca 95926, calling us at (530) 342-2955, or exploring more online at our website. Join us today and experience the difference of being a member-focused credit union!

Personal Banking

Our personal banking services are designed with you in mind. Open a Checking or Savings Account to start managing your money effectively. If you're dreaming of driving a new vehicle, explore our competitive Auto Loans & Vehicle Financing options tailored to fit your budget. For those looking to purchase their first home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide flexible terms and expert guidance. Need quick cash for an unexpected expense? Our Personal Loans & Debt Consolidation options can help lighten your financial load, while our Credit Cards with Rewards make everyday purchases more rewarding.

Digital & Online Banking

Key Services

Our online banking platform lets you check your account balances, transfer funds, and pay bills from the comfort of your home or on the go. You can also enjoy the convenience of e-statements, which are not only eco-friendly but also allow you to view your account statements anytime you need them. Plus, with our mobile application, available for download, managing your money has never been simpler. Need to send money to a friend or family member? Our person-to-person transfer feature makes it quick and easy. And if you're always on the go, our mobile payments option lets you make purchases directly from your smartphone just another way we put convenience in your hands.

Security and Accessibility

We prioritize your security with every transaction you make. Our online banking services include robust measures to protect your personal information so you can bank with peace of mind. Even though we don't currently support electronic signature authorization, our other features ensure that handling your finances is straightforward and safe. Overall, whether you're checking balances or sending money across town or even across the country Self-help offers user-friendly tools that fit into your busy lifestyle. Join us in embracing the ease of digital banking today!

Financial Strength

Commitment to Growth

With $146,011,928 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 reflected in our $4,687 in used auto loans and $1,511,536,317 in total loans and leases, supporting members' financial goals across various sectors.

Member Savings and Investments

Members' savings are secured through $329,044,295 in share certificates and $461,585,231 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $43,224,599, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Member Trust

Total Share and Deposit Accounts stand at 173,015, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further emphasize our commitment to maintaining a healthy lending environment for all members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Self-help is your trusted partner. Visit us at 2201 Pillsbury Rd Chico Ca 95926 or call (530) 342-2955 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $16,629,095 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 354 full-time employees and 43 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Position

With a net worth of $600,496,069, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,804 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $21,273,128 in new vehicle loans and $56,478,627 in used vehicle loans, helping many members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing solutions can make it easier for you.

Commercial Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $95,154,985 provide the capital needed to grow your business. We recognize the challenges businesses face and are here to support your success.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $21,415,873. We simplify the process for buying or refinancing your home so you can focus on what truly matters making it your own.

Refinancing Options

If you're considering refinancing any existing loans or need assistance understanding your eligibility options, our team is ready to help guide you through the process. We want to ensure that you make informed decisions that align with your financial goals. Our services are available at our branch located at 2201 Pillsbury Rd Chico Ca 95926. Feel free to reach out to us at 530-342-2955 during our lobby hours from Monday through Friday from 9:00 AM to 5:00 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. Join us today and take the first step toward achieving your financial dreams!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $6,428,365 in unsecured credit card loans available, we help members manage their finances effectively while enjoying the convenience and benefits that come with credit cards.

Loan Aggregator

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SELF HELP FEDERAL CREDIT UNION