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 been committed to serving our community with integrity and dedication. With a proud membership of over 129,000 individuals, we're not just a credit union; we're a family that believes in empowering each other financially. At Self-help, we understand the importance of community and strive to make a positive impact through our various services. Our total assets amount to an impressive $2,126,239,636, allowing us to provide robust financial solutions tailored to your needs. Whether you're looking for personal banking options like checking and savings accounts or financing for auto loans and mortgages, we've got you covered. Our CEO, Martin Eakes, along with Board President Jose Caballero, leads our dedicated team of 397 employees who are here to assist you every step of the way. We pride ourselves on offering personalized service that makes banking straightforward and accessible. With total deposits reaching $437,357,613 and a net worth of $600,496,069, you can trust that your finances are in safe hands. While members can visit us at our branch location, all official correspondence should be sent to the same address: 900 Crows Landing Rd, Modesto, CA 95351. Feel free to reach out to us at 209-809-1850 for any inquiries or assistance. We invite you to explore all that Self-help has to offer by visiting our website at Self-help. Discover how we can help you achieve your financial goals today!

Branch History & Mission

Community Engagement

Since opening our doors, we've prioritized community involvement. Whether through local sponsorships or educational workshops on financial literacy, we aim to uplift and empower those around us. We understand that when our members succeed, so does the entire community.

Modern Services with a Personal Touch

In an ever-changing world, we embrace technological advancements that enhance your banking experience. From online banking and mobile payments to ATMs and drive-thru services, we're here to meet your needs conveniently while maintaining that personal touch you expect from your credit union. While members can visit us at 900 Crows Landing Rd for all their banking needs, official correspondence should be sent to the same address as there are no differences between our branch and mailing addresses. We invite you to join us at Self-help become part of a community-focused organization dedicated to supporting your financial journey. Experience firsthand how together we can build a brighter future for everyone in Modesto. For more information or to open an account today, call us at 209-809-1850 or visit our website at Self-help.

Our Mission

At Self-help, we believe in empowering individuals and families through financial education and support. Our mission is clear: to promote economic opportunity for all by providing essential financial services while fostering community growth. We strive to create a welcoming environment where everyone feels valued and supported.

Branch Location & Accessibility

Welcome to Self-help, your friendly neighborhood credit union located at 900 Crows Landing Rd in Modesto, CA. Our branch is conveniently situated near popular spots like the Modesto City-County Airport and close to local eateries, making it easy for you to stop by while running errands or enjoying a day out. We understand how important accessibility is for our members. That's why we ensure our location is equipped with features that make banking easy for everyone, including ADA-compliant entrances and ample parking spaces. Whether you're visiting us for personal banking or need assistance with loans, our dedicated team is here to help. Our operating hours are designed to fit your busy lifestyle. We're open 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. If you need assistance outside of these hours, feel free to give us a call at 209-809-1850. At Self-help, we provide a wide range of services to meet your needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. For those who prefer quick transactions on the go, we also offer ATM access and drive-thru banking for deposits and withdrawals. While members can visit us at our branch location, any official correspondence should be directed to the same address: 900 Crows Landing Rd, Modesto, CA 95351. We invite you to come see us soon! Experience the difference with Self-help as your trusted financial partner. Whether you have questions or want to explore our services further, we're just a visit or a phone call away!

Member Eligibility

Becoming a member of Self-help is like joining a caring family where your financial well-being matters. To be eligible, you can be anyone who lives, works, worships, or attends school in the areas we serve, including Stanislaus County and surrounding regions. We also welcome family members of existing members, making it easy for you to share in the benefits together. At Self-help, you'll find a variety of financial services designed just for you whether it's personal banking, auto loans, or mortgage options that fit your lifestyle. Opening an account with us is straightforward and inviting! You can start the process by visiting us at our branch located at 900 Crows Landing Rd Modesto Ca 95351, or simply give us a call at (209) 809-1850 for any questions. For more detailed eligibility criteria, feel free to check out our website at https://www.self-help.org/personal/join-us/join-shcu. We're excited to help you on your journey toward financial empowerment!

Business Banking & Commercial Services

Business Loans That Fuel 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 That Simplify Transactions

In addition to loans, we offer merchant services that make day-to-day operations smoother. Imagine being able to accept payments easily from your customers, whether they're paying in-store or online. Our merchant services provide secure payment processing, enabling you to focus on what you do best: running your business. Located at 900 Crows Landing Rd Modesto Ca 95351 in Modesto, CA, we are here to partner with you every step of the way. Contact us at (209) 809-1850 to learn more about how our business banking and commercial services can empower your success!

Comprehensive List Of Services

Accessible Branch Services

Our branch also offers essential services such as ATM access for cash withdrawals and balance checks. If you prefer face-to-face interactions, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car. We invite you to experience the comprehensive range of services at Self-help, where we prioritize member satisfaction above all else. For more information or assistance, don't hesitate to reach out at (209) 809-1850 or visit us at our location in Modesto, CA. Ready to take the next step? Explore how we can help you achieve your financial goals today!

Business Banking Services

For our local entrepreneurs, our business banking solutions include essential tools like merchant services and business loans that support your growth. Whether you're starting out or expanding an established business, we're here to help with personalized guidance.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. With features like online bill pay, mobile payments, and person-to-person transfers, managing your finances has never been easier. You can access your accounts from anywhere with just a few taps on your phone or clicks on your computer.

Personal Banking Solutions

Whether you're saving for a new home, planning a vacation, or just need a reliable checking account, we have you covered. Our personal banking services include various options for checking and savings accounts that help you manage your money effectively. Looking to buy a car? Our auto loans and vehicle financing options make it easy to hit the road in no time. And if you're considering buying a home or refinancing an existing mortgage, our mortgage loans are designed with competitive rates to suit your budget.

Support for Everyday Needs

Life can be unpredictable, which is why having access to cash when you need it matters. At Self-help, we offer personal loans and debt consolidation services, helping you take control of your financial situation. Plus, don't forget about our credit cards with rewards perfect for earning points on everyday purchases!

Digital & Online Banking

Accessibility and Real-Time Management

Our mobile payments feature lets you make purchases directly from your phone no cash or card needed! This means you can shop with ease while keeping an eye on your spending in real-time. Whether it's checking balances, transferring funds, or paying bills, our services are designed to fit seamlessly into your busy life. Join us at Self-help today and experience the freedom of managing your finances anytime, anywhere! If you have any questions or need assistance, feel free to call us at (209) 809-1850. Your financial journey is important to us, and we're here to help every step of the way.

Key Features

With our user-friendly mobile application, you can take control of your finances right from your smartphone. Need to pay a friend? Our person-to-person transfer feature allows you to send money quickly and safely without any hassle. Plus, if you're someone who prefers the paperless route, we offer e-statements so you can keep track of your transactions without cluttering your mailbox. Security is also a big focus for us. While we don't currently offer electronic signature authorization, rest assured that all transactions are protected with advanced security measures, ensuring that your personal information remains safe.

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 supports your financial goals with $4,687 in used auto loans and $1,511,536,317 in total loans and leases.

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 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.

Growing Trust

Total Share and Deposit Accounts: 173,015, showing a strong and growing member base that trusts us with their finances. This trust is vital as we work diligently to meet your banking needs. 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.

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 $4,200,525 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.

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. Whether you're purchasing a brand-new vehicle or a reliable used one, our financing solutions make it easier than ever.

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 of running a business and are here to support your growth with funding solutions tailored for your needs.

Credit Lines

If you're looking for extra flexibility, consider our credit lines totaling $623,381,147. These can be an excellent tool for managing cash flow or unexpected expenses. We also offer refinancing options for those who wish to lower their monthly payments or consolidate debt. For eligibility information, feel free to reach out to us at (209) 809-1850 or visit our website at Self-help. At Self-help, we're here to help you every step of the way. Our goal is to make borrowing straightforward and accessible so that you can focus on what truly matters your financial future. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Don't hesitate to stop by our location at 900 Crows Landing Rd Modesto Ca 95351, Modesto, CA or give us a call at (209) 809-1850 for more information about how we can assist you today!

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 provide personalized service to guide you through each step of the process, ensuring you find the right mortgage solution for your needs.

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. This option allows you to make purchases without collateral while enjoying competitive interest rates.

Loan Aggregator

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Ensuring 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 rigorous sourcing ensures that users receive fair and transparent offers tailored to their needs.

SELF HELP FEDERAL CREDIT UNION - Modesto, CA

Type of Loan Offerings

Personal Loans

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