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

Introduction

Welcome to Self-help, your trusted credit union located at 504 W Lodi Ave, Lodi, CA 95240. Since our establishment in 2008, we have proudly served our community, growing to a membership of over 129,100 individuals who rely on us for their financial needs. At Self-help, we understand that your financial journey is unique, and we're here to support you every step of the way. With total assets exceeding $2.1 billion, we are committed to providing robust financial solutions tailored to your needs. Our offerings include personal banking services such as checking and savings accounts, auto loans, mortgages, and business banking solutions. We also provide online and mobile banking options for your convenience. Led by our dedicated CEO, Martin Eakes, and Board President Jose Caballero, our team of 397 employees is focused on delivering exceptional service. We believe in the power of community and strive to make a positive impact through our various programs and initiatives. While members can visit us at our branch in Lodi, official correspondence should be sent to the same address: 504 W Lodi Ave, Lodi, CA 95240. If you have any questions or need assistance, feel free to call us at 209-235-1100 during our lobby hours Monday through Thursday from 9:30 AM to 5:00 PM and Friday from 9:30 AM to 6:00 PM. Join us today and experience the difference that comes with being a member of Self-help. Your financial future starts here! Visit our website at Self-help for more information or to open an account.

Branch History & Mission

The story of Self-help in Lodi, California, began in 2008 with a vision to empower and uplift our community. Since opening our doors at 504 W Lodi Ave, we've been dedicated to providing exceptional financial services while fostering a supportive environment for all members. With over 129,000 members and total assets reaching an impressive $2,126,239,636, we have grown significantly while staying true to our mission. At Self-help, we believe in the power of community. Our mission is to offer accessible financial products that cater to the diverse needs of our members. Whether you're looking for personal banking solutions like checking and savings accounts, or loans for vehicles and mortgages, we are here to help you achieve your financial goals. We also emphasize supporting local initiatives and outreach efforts that make a difference in the lives of those around us. Our branch operates with a commitment to transparency and ease of access. While you can visit us at our main address in Lodi, official correspondence should be sent to the same location: 504 W Lodi Ave, Lodi, CA 95240. We understand the importance of convenience; that's why we offer an ATM on-site and provide online and mobile banking options for added flexibility. Although we do not have drive-thru services or shared service centers at this time, we ensure that our lobby hours from Monday to Thursday between 9:30 AM and 5:00 PM, and on Fridays until 6:00 PM are designed to accommodate your schedule. As part of our ongoing commitment to enhancing member experience, we continuously adopt digital advancements that prioritize accessibility for everyone. Our services include personal loans, debt consolidation options, business banking solutions, and even credit cards with rewards tailored just for you. The journey we've taken since 2008 has been remarkable. From humble beginnings to becoming a pillar of financial support in Lodi, we are proud of what we've accomplished together with our members. We invite you to join us on this path toward financial well-being. Experience the difference that comes from being part of a community-focused credit union one that genuinely cares about your success. If you're ready to take the next step towards achieving your financial dreams with Self-help, please reach out! Call us at 209-235-1100 or visit Self-help's website for more information on how you can become a member today!

Branch Location & Accessibility

Accessibility Features

At Self-help, we prioritize accessibility for all our members. Our branch is ADA compliant, ensuring that everyone can navigate comfortably with features like ramps and designated parking spaces. We want your visit to be smooth and welcoming.

Call-to-Action

We invite you to visit Self-help today! Our friendly staff is ready to help you achieve your financial goals. Whether you're opening a new account or seeking advice on loans, come see how we can assist you on your financial journey. We look forward to welcoming you soon!

Operating Hours

We understand that life can get busy! That's why we are open Monday through Thursday from 9:30 AM to 5:00 PM and Friday from 9:30 AM to 6:00 PM. Whether you need help with personal banking or are looking for advice on loans, our dedicated team is here to assist you during these hours.

Services Offered

Our branch provides a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, if you're in need of quick cash or balance checks, our ATM is available for your convenience. While members can visit us at 504 W Lodi Ave for all their banking needs, official correspondence should be sent to the same address. If you have any questions or want more information about our services, feel free to give us a call at 209-235-1100.

Member Eligibility

At Self-help, we believe that everyone deserves a chance to be part of a welcoming and supportive financial community. Becoming a member is easy, and we're here to help you every step of the way! To join us at our branch located at 504 W Lodi Ave Lodi Ca 95240, you simply need to meet some basic eligibility requirements. Generally, individuals who live or work in certain areas, or those who have family members already part of our credit union, can apply for membership. This means you could soon enjoy all the benefits we offer, from competitive loan rates to personalized service designed just for you. If you're ready to take the next step, opening an account is straightforward. You can find more details about eligibility and the account-opening process by visiting us online at https://www.self-help.org/personal/join-us/join-shcu. If you have any questions, feel free to give us a call at (209) 235-1100. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services that make day-to-day operations smoother. Imagine easily accepting payments from customers without hassle. Our services help you manage transactions efficiently, allowing you to focus on what matters most growing your business. Visit us at 504 W Lodi Ave Lodi Ca 95240 in Lodi, CA or give us a call at (209) 235-1100 to discover how we can assist you with your business banking needs!

Tailored Loan Solutions

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

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options can help make that dream a reality. We offer competitive rates and flexible terms to fit your budget, so you can hit the road with confidence. Picture driving off in a vehicle that suits your needs without breaking the bank.

Business Banking Services

We haven't forgotten about small businesses! Our business banking services, including merchant services and business loans, are designed to support local entrepreneurs like you. We know running a business takes hard work; let us help streamline your banking needs so you can focus on growth.

Convenient Access

For quick cash withdrawals, our ATM services are available at convenient locations nearby. Need assistance after hours? Our basic ATM access allows for withdrawals and balance checks anytime you need them. At Self-help, we strive to provide a welcoming environment where all members feel valued and empowered. With expert staff ready to guide you through any financial decision, we're excited to help you achieve your goals! If you're ready to explore how we can serve you better or want more information about any of our services, please reach out by calling us at (209) 235-1100 or visit us at 504 W Lodi Ave Lodi Ca 95240 today! Your financial future starts here let's take this journey together!

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase earns points that can be redeemed for exciting perks! Whether it's travel discounts or cashback offers, enjoy the benefits of using your card while building credit.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our team is ready to assist. Our mortgage loans come with personalized guidance throughout the process, ensuring you find the best option for your situation. Whether it's a cozy starter home or an investment property, we've got you covered.

Personal Banking Solutions

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or managing daily expenses, we provide the tools you need to stay organized and on track. Imagine having a checking account that not only keeps your funds secure but also offers easy online access. With our online and mobile banking, you can check balances, transfer funds, and pay bills right from your smartphone.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and when it does, our personal loans are here to help. These loans can be used for anything from medical bills to home improvements. Plus, if you're juggling multiple debts, consider our debt consolidation options which can simplify your payments into one manageable loan.

Digital & Online Banking

Mobile Banking at Your Fingertips

For those who prefer banking on their mobile devices, our mobile application is available for download. You can enjoy all the features of online banking right from your smartphone. Whether it's checking balances or making mobile payments, managing your finances has never been more convenient. With these tools at Self-help, you can take control of your finances with real-time updates and easy access to account management features. Say goodbye to long lines and hello to hassle-free banking! If you have any questions or need assistance, feel free to reach out to us at (209) 235-1100.

Security and Ease of Use

Security is our top priority. With 24/7 online banking services, you can rest easy knowing that your information is protected. While we don't currently offer electronic signature authorization, we have other robust security measures in place to keep your accounts safe. Managing your statements has never been easier! We provide e-statements so you can access your financial documents quickly without the clutter of paper. This feature not only saves trees but also helps you stay organized.

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. We are proud to share our strong financial position, which reflects our commitment to serving you. 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 $4,200,525, 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. Total Share and Deposit 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 504 W Lodi Ave Lodi Ca 95240 or call (209) 235-1100 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $56,478,627 in used vehicle loans and $21,273,128 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier than ever to find a loan that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $95,154,985 provide the capital needed to grow and expand. Whether you're looking to invest in equipment or need working capital for day-to-day operations, we have options tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $21,415,873, make buying or refinancing simple. We strive to make the process straightforward and accessible so you can focus on what matters most your new home.

Refinancing Options

If you're considering refinancing any of these loans for better rates or terms, we have options available that could help you save money over time. Be sure to ask about eligibility when you contact us! We invite you to reach out with any questions or visit us at our branch. You can call us at 209-235-1100 during our lobby hours: Monday through Thursday from 9:30 AM to 5:00 PM and Friday from 9:30 AM to 6:00 PM. For more information about our services and how we can assist you further, please visit our website at Self-help. 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 towards achieving your financial dreams!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $6,428,365 in loans helping members manage their finances effectively. These cards are great for everyday purchases and can help build or improve your credit score.

Loan Aggregator

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SELF HELP FEDERAL CREDIT UNION - Lodi, CA

Type of Loan Offerings

Personal Loans

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