Self-Help Credit Union Modesto CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Self-help, your trusted financial partner located at 900 Crows Landing Rd, Modesto, CA 95351. Since our establishment in 2008, we have dedicated ourselves to empowering our community through personalized banking solutions and member-focused services. With a robust membership of 129,107 individuals, we pride ourselves on providing exceptional service that fosters financial stability and growth. At Self-help, we understand that every member's journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our total assets of $2,126,239,636 reflect our commitment to the financial well-being of our members. With $437,357,613 in deposits and a net worth of $600,496,069, you can trust us to manage your finances securely. Our team of 397 employees, led by CEO Martin Eakes and Board President Jose Caballero, is here to assist you with all your banking needs. Whether you're looking for a new vehicle loan or need help managing your finances online, we are ready to help! You can reach us at (209) 809-1850 during our lobby hours: Monday, Tuesday, Thursday from 9 AM to 5 PM; Wednesday from 10 AM to 5 PM; and Friday from 10 AM to 6 PM. While members can visit us at our branch location for face-to-face assistance or utilize our drive-thru services for quick transactions, we also provide convenient online and mobile banking options. For more information about joining our family or exploring what we offer, visit us at self-help.org. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

At Self-help in Modesto, California, we take pride in our rich history and unwavering commitment to our community. Since opening our doors in 2008, we have grown from a small branch into a thriving credit union that serves over 129,000 members. Our journey is built on the belief that everyone deserves access to affordable financial services and support. Located at 900 Crows Landing Rd, Modesto, CA 95351, our branch has become a vital part of the local landscape, providing essential banking services while fostering a sense of community. Whether you are looking for personal banking options, auto loans, or business services, Self-help is here to meet your needs with compassion and integrity. Our mission is clear: to empower individuals and families through accessible financial solutions that promote economic stability and growth. We believe that by helping our members achieve their financial goals, we contribute not only to their success but also to the overall well-being of our community. While members can visit us at 900 Crows Landing Rd, official correspondence should be sent to the same address. Our operating hours are designed to accommodate busy schedules: Monday, Tuesday, and Thursday from 9 AM to 5 PM; Wednesday from 10 AM to 5 PM; and Friday from 10 AM to 6 PM. For added convenience, we offer ATM access and drive-thru banking services. With total assets exceeding $2.1 billion, Self-help is committed to maintaining financial strength while investing in the future of our members. Our innovative approach includes mobile banking options and online services designed to make your banking experience as easy as possible. Community outreach plays a significant role in our mission. We work hard to build partnerships with local organizations and support initiatives that uplift those around us. From financial education workshops to charitable contributions, Self-help is dedicated to making a positive impact. Join us today at Self-help in Modesto! Experience firsthand how we can help you achieve your financial dreams while being part of a supportive community. Together, let's build a brighter future for all. For more information or assistance, feel free to call us at 209-809-1850 or visit our website here.

Branch Location & Accessibility

Welcome to the Self-help branch located at 900 Crows Landing Rd in Modesto, California! Our branch is nestled in a vibrant area of Stanislaus County, making it easy for you to access our services while enjoying the local community. You can find us conveniently situated near popular landmarks, which adds to the ease of your visit. At Self-help, we prioritize accessibility and convenience for all our members. Our location offers ample parking with accessible spaces available. We ensure that our facilities are ADA compliant, featuring ramps and wide doorways to accommodate everyone comfortably. We're open during convenient hours: Monday, Tuesday, and Thursday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, and Friday from 10 AM to 6 PM. Whether you need help with personal banking, auto loans, or mortgage financing, our friendly staff is here to assist you. In addition to in-branch services, we offer ATM access for quick withdrawals and balance checks. If you're on the go, take advantage of our drive-thru banking option for simple transactions without leaving your car. While members can visit us at 900 Crows Landing Rd, official correspondence should be sent to the same address. If you have any questions or need assistance before your visit, feel free to give us a call at 209-809-1850. We invite you to stop by and explore how Self-help can assist you with your financial needs!

Member Eligibility

At Self-help, we believe that becoming a member is like joining a family dedicated to helping you thrive. If you're interested in joining us, you'll be pleased to know that membership is open to anyone living or working in the communities we serve. This means if you're based in or around Modesto, CA, you're likely eligible! Plus, we offer a range of services designed to support your financial journey, whether that's through checking and savings accounts, auto loans, or even personal loans. To get started, simply visit our website at https://www.self-help.org/personal/join-us/join-shcu where you can find all the details about eligibility criteria and learn how easy it is to become part of our community. If you have any questions or need assistance, don't hesitate to reach out at (209) 809-1850. We're here for you every step of the way! To open an account and begin enjoying the benefits of membership, head over to https://www.self-help.org/personal/join-us/join-shcu. We can't wait to welcome you to Self-help, located at 900 Crows Landing Rd Modesto Ca 95351!

Business Banking & Commercial Services

Commercial Loans That Empower Growth

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 for Everyday Success

In addition to loans, we offer merchant services that simplify daily transactions. Imagine running your business smoothly with easy payment processing options that allow you to focus on what truly matters serving your customers. Our services are designed to streamline operations so you can thrive in a competitive market. Explore how Self-help, located at 900 Crows Landing Rd Modesto Ca 95351 in Modesto, CA, can be your partner in success. Let's work together to turn your vision into reality! For more information, give us a call at (209) 809-1850 or visit our website.

Comprehensive List Of Services

Accessible ATMs and Drive-Thru Services

Need quick cash or want to make a deposit? Our ATM services provide easy access for withdrawals and balance checks. Plus, enjoy basic drive-thru banking for deposits, withdrawals, and simple transactions without leaving your car! At Self-help in Modesto, we are here to serve you with dedication and care. If you have any questions about our services or would like assistance in choosing the right option for your needs, please don't hesitate to reach out! Call us at 209-809-1850 or visit us during our operating hours: Monday, Tuesday, Thursday from 9 AM - 5 PM; Wednesday from 10 AM - 5 PM; and Friday from 10 AM - 6 PM. Explore all that Self-help has to offer visit us today!

Banking at Your Fingertips

In today's busy world, convenience is key. That's why we emphasize our online and mobile banking features, allowing you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and even make person-to-person payments right from your smartphone.

Credit Cards with Rewards

Who doesn't love earning rewards? Our credit cards come with benefits designed just for you. Enjoy cash back on purchases or points towards travel it's like getting paid for spending!

Flexible Auto Loans and Vehicle Financing

If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help make that dream a reality. We understand how important reliable transportation is for our members, which is why we work hard to provide competitive rates and flexible terms to suit your budget.

Home Sweet Home with Our Mortgage Loans

Buying a home is one of the biggest decisions you'll ever make. At Self-help, we offer mortgage loans and refinancing options designed to support you every step of the way. Our experienced team will guide you through the process, ensuring you find the right fit for your family's needs.

Personal Banking Made Easy

Managing your money should be straightforward and convenient. That's why we offer a variety of personal banking options, including checking and savings accounts tailored to help you achieve your financial goals. Whether you're saving for a special occasion or just want a reliable place to keep your money, we've got you covered.

Simplifying Personal Loans

Life can throw unexpected expenses your way, from medical bills to home repairs. That's where our personal loans come in handy! With options for debt consolidation as well, we aim to ease your financial burdens while helping you regain control over your finances.

Supporting Local Businesses

For our business members, we provide specialized services that include merchant services and business loans. We are committed to supporting local entrepreneurs in Modesto with tailored solutions that foster growth and success.

Digital & Online Banking

Key Services

With our online banking platform, available at https://www.self-help.org/, you can easily check your account balances, transfer funds, and pay bills all from the comfort of your home or while you're out and about. Our mobile application brings all these features right to your fingertips, making it simple to manage your money wherever life takes you. We also provide e-statements, allowing you to view your statements electronically for quick access and easy record-keeping. Plus, if you're looking for a convenient way to send money to friends or family, our person-to-person transfers make this process a breeze.

Security and Convenience

Your security is our top priority. While we currently do not offer electronic signature authorization, we utilize advanced encryption technology to keep your personal information safe during every transaction. You can rest easy knowing that your data is protected. Our mobile payments feature means you can leave your wallet at home. Just use your smartphone for purchases it's fast and secure! With 24/7 online banking services, you can access your accounts anytime, ensuring that you never miss an important transaction. In summary, Self-help is committed to providing accessible, user-friendly banking solutions that make managing your finances easier than ever. Explore our digital services today and take control of your financial future!

Financial Strength

A Growing Community

Total Share and Deposit Accounts stand at 173,015, showing a strong and growing member base that trusts us with their finances. This trust allows us to thrive while remaining focused on what matters most serving you. 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 900 Crows Landing Rd Modesto Ca 95351 or call (209) 809-1850 to learn more about how we can help you achieve your financial goals.

Commitment to Innovation and 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 robust as well; with $4,687 in used auto loans and $1,511,536,317 in total loans and leases, we support members' financial goals across various sectors.

Focused on Member Savings

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.

Operational Efficiency

Our operational efficiency is reflected in our $16,629,095, 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.

Solid Financial Health

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, 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, ensuring that you can find the perfect fit for your lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $95,154,985 provide the capital needed to grow and expand. We understand the challenges small businesses face and aim to support their growth through customized lending solutions.

Conclusion

No matter what your financial goals are, Self-help is here to assist you every step of the way. Our dedicated team is ready to discuss your options and help tailor a loan that meets your needs perfectly. Feel free to contact us at (209) 809-1850 or visit us at 900 Crows Landing Rd Modesto Ca 95351 in Modesto, CA, where we are committed to serving our community's financial well-being. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 offer various mortgage products tailored to meet the diverse needs of our members. If you're considering refinancing your existing mortgage, our team can guide you through the eligibility process to help you secure better terms.

Unsecured Credit Card Loans

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 come with no collateral requirement, allowing you to use them for purchases while managing your cash flow more easily.

Loan Aggregator

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 tailored to their needs. LendMesh guarantees accuracy in several key ways: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions are available, allowing users to make well-informed choices.

User Trust and Credibility

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 platform's effectiveness and reliability in helping borrowers secure better rates. Compare real-time loan 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.

Selfhelp