Self-Help Credit Union Lamont CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Self-help, your trusted partner in financial wellness located at 10808 Main St, Lamont, CA 93241. Established in 2008, we have proudly served our community for over a decade, growing to support 129,107 members with a commitment to providing exceptional service and innovative financial solutions. With total assets amounting to an impressive $2,126,239,636, we stand strong as a reliable resource for all your banking needs. At Self-help, our members come first. We offer a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our goal is to empower you financially while building lasting relationships within the community. Under the leadership of our CEO, Martin Eakes, and Board President Jose Caballero, we strive to create an environment where everyone can thrive. While members can visit us at 10808 Main St, official correspondence should be sent to the same address. We invite you to explore our services further by visiting our website at self-help.org. With total deposits reaching $437,357,613 and net worth standing at $600,496,069, you can trust that your finances are in safe hands. Our dedicated team of 397 employees is here to help you navigate your financial journey with personalized support and expert advice. Whether you're looking for a new loan or simply want to discuss your options with one of our friendly representatives, don't hesitate to reach out! Call us today at 661-395-3032 or stop by during our lobby hours: Monday through Wednesday from 10 AM to 5 PM and Thursday through Friday from 10 AM to 6 PM. Join us at Self-help where your financial success is our mission!

Branch History & Mission

Community Commitment

At Self-help, our mission extends beyond just providing banking services; we are committed to making a positive impact in the community. We believe in building partnerships that help uplift those around us. Whether through community outreach initiatives or local sponsorships, we aim to contribute meaningfully to the Lamont area. While members can visit us at 10808 Main St, official correspondence should be sent to the same address. We encourage you to explore our services which include personal banking options like checking accounts, auto loans, mortgage financing, and business banking solutions.

Join Us Today

As we look forward to the future, we invite you to be part of our journey at Self-help. Experience the benefits of membership where your financial well-being is our top priority. Visit us today or call 661-395-3032 for more information about how we can help you achieve your financial goals. Together, let's build a stronger community!

Our Evolution

From our humble beginnings, we have focused on not just offering banking products but also fostering community support and growth. As part of our mission, we strive to empower our members through access to affordable loans and essential financial education. Our dedicated team works tirelessly to ensure that every member feels valued and supported. Our branch is equipped with modern amenities including ATM availability and a drive-thru service for added convenience. We understand that our members lead busy lives, which is why we have tailored our operating hours to fit their needs: Monday through Wednesday from 10 AM to 5 PM and Thursday and Friday from 10 AM to 6 PM.

Branch Location & Accessibility

Getting Here

Situated right in the heart of Lamont, our branch is close to local landmarks and easily reachable from nearby streets. You'll find ample parking available, making it simple for you to visit us. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances so everyone can enjoy our services comfortably.

Operating Hours

We're here for you during convenient hours: Monday through Wednesday from 10 AM to 5 PM, and Thursday and Friday from 10 AM to 6 PM. Need assistance outside these hours? Don't worry our online banking services are available anytime, allowing you to manage your finances at your convenience.

Services We Offer

At Self-help, we provide a variety of services tailored to meet your needs. Whether you're interested in personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we've got you covered. For those who prefer a little more flexibility, we also offer business banking solutions and credit cards with rewards! Plus, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle.

Stay Connected

Have questions or need assistance? Our friendly staff is just a phone call away at 661-395-3032. We invite you to come in and experience the difference at Self-help. Your financial journey starts here!

Member Eligibility

At Self-help, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family that cares for your financial well-being. To become a member of Self-help, you simply need to meet a few friendly eligibility criteria. If you live, work, worship, or attend school in Kern County, you're already on the right path! You can also join if you're related to someone who's already a member or if you support our mission of community development. For those looking for more detailed information on eligibility, we encourage you to check out our website at https://www.self-help.org/personal/join-us/join-shcu. Opening your account is a breeze! You can visit us at our welcoming branch located at 10808 Main St Lamont Ca 93241 or take advantage of our easy online process by visiting https://www.self-help.org/personal/join-us/join-shcu. If you have any questions or need assistance, don't hesitate to give us a call at (661) 395-3032. We're here to help you every step of the way as you take this exciting step toward better financial health!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine a busy Saturday at your store; you can process payments quickly and efficiently, giving your customers a smooth shopping experience while you focus on what matters most growing your business. Located at 10808 Main St Lamont Ca 93241 in Lamont, CA, our dedicated team is here to guide you through the financial options available. Contact us at (661) 395-3032 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 $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.

Comprehensive List Of Services

Accessible Branch Services

At Self-help, we also understand the importance of in-person service. Our branch offers Basic Drive-Thru Banking, where members can handle deposits, withdrawals, and simple transactions without leaving their cars. For those who prefer using an ATM, we provide basic ATM access for withdrawals and balance checks. With our team ready to assist you at (661) 395-3032, we invite you to visit us at 10808 Main St Lamont Ca 93241 in Lamont, CA. Experience firsthand how we can support all your financial needs because at Self-help, we are here for you! Don't hesitate; reach out today or drop by during our operating hours: M-W from 10 AM - 5 PM and Th-F from 10 AM - 6 PM. Let's take the next step together towards achieving your financial goals!

Business Banking Services

For entrepreneurs and small business owners, we offer comprehensive Business Banking solutions. This includes Merchant Services that simplify payment processing and access to Business Loans that help you grow and expand your operations. We believe that supporting local businesses strengthens our community.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards! Enjoy the benefits of cashback or points on purchases that can be redeemed for travel, merchandise, or statement credits. It's a great way to make your spending work for you.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services that allow you to manage your accounts anytime, anywhere. With features like ATM & Cash Withdrawal Services, you have easy access to your funds whenever you need them. Whether you're checking balances or transferring money via our person-to-person payment option, we've got you covered.

Personal Banking Solutions

When it comes to personal banking, we offer various options tailored just for you. You can open Checking & Savings Accounts that fit your lifestyle, allowing you to manage your finances effectively. For those moments when you need extra cash, our Personal Loans & Debt Consolidation services can help ease your financial burden. Plus, if you're dreaming of homeownership, our Mortgage Loans & Refinancing options make the process smoother and more affordable.

Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing services come with competitive rates and flexible terms, ensuring that you can drive away in your dream vehicle without breaking the bank. We understand how important reliable transportation is for our members' daily lives.

Digital & Online Banking

Access Your Accounts Anytime, Anywhere

With our 24/7 online banking services available at https://www.self-help.org/, you can check your account balance, transfer funds, and pay bills whenever it suits you. No more rushing to the bank during business hours! Whether you're at home or on the go, managing your accounts has never been easier.

Manage Your Finances with Ease

Using our online banking tools means you have real-time control over your finances. Check deposits, track expenses, or view e-statements anytime you need them. This level of accessibility means you're always in charge of your financial journey. In summary, Self-help provides a comprehensive suite of digital banking solutions tailored for convenience and security. Join us today at https://www.self-help.org/ to explore these services further and take control of your finances like never before!

Mobile Banking Made Simple

Our user-friendly mobile application allows you to carry your bank right in your pocket. You can make mobile payments, send money to friends and family through person-to-person transfers, and access e-statements all from the palm of your hand. Plus, with our mobile payments feature, paying for purchases is quick and hassle-free.

Security You Can Trust

We prioritize your security with strong encryption measures to protect your information. While we currently do not offer electronic signature authorization, rest assured that all transactions made through our online platforms are safe and secure.

Financial Strength

At Self-help, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong commitment to our community and a focus on providing exceptional service, we are proud of our solid financial foundation. 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 28.04% 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 $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. 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 supports members' financial goals across various sectors with $4,687 in used auto loans and $1,511,536,317 in total loans and leases. Our operational efficiency is reflected in our impressive $4,200,525, which enables 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. Total Share Accounts: 173,015, 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, Self-help is your trusted partner. Visit us at 10808 Main St Lamont Ca 93241 or call (661) 395-3032 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 Options

We also offer various credit lines to give you added flexibility when managing your finances. With a total of $623,381,147 in credit lines available, you can access funds as needed without taking on unnecessary debt. If you're interested in refinancing any existing loans or exploring eligibility options for our various products, feel free to reach out. You can contact us at 661-395-3032 for more information. 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 Self-help, we are committed to providing tailored financial solutions that empower you to achieve your dreams.

Auto Loans

Are you in the market for a new vehicle? Our auto loans provide some of the most competitive rates available. We've already issued over $21,273,128 in new vehicle loans and $56,478,627 in used vehicle loans to help our members hit the road with confidence. Whether you're looking for a brand-new car or a reliable used model, our financing options can make it easier than ever to get behind the wheel.

Business Financing

For business owners looking for growth opportunities, we have outstanding commercial loans totaling $95,154,985. These loans provide essential capital for expanding operations or investing in new projects.

Mortgage Loans

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

Unsecured Credit Card Loans

Managing everyday expenses can be tricky. That's where our unsecured credit card loans come in handy. With a total of $6,428,365 in loans available, we provide flexible terms that allow you to handle both planned purchases and unexpected costs effectively.

Loan Aggregator

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SELF HELP FEDERAL CREDIT UNION - Lamont, CA

Type of Loan Offerings

Personal Loans

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