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

Introduction

Welcome to Self-help, your trusted community credit union located at 3183 Jefferson St, Napa, CA 94558. Since our establishment in 2008, we have been dedicated to supporting our members and the local community through accessible financial solutions. With a strong commitment to service, we proudly serve over 129,107 members, helping them achieve their financial goals. At Self-help, we understand that every member's journey is unique. That's why we offer a variety of personal banking options, including checking and savings accounts, auto loans, mortgage loans, and business banking services. Our total assets of $2,126,239,636 reflect our stability and ability to provide you with the resources you need. We also maintain healthy deposits totaling $437,357,613, ensuring that your money is safe and readily available. Our leadership team is committed to fostering a welcoming environment. Under the guidance of CEO Martin Eakes and Board President Jose Caballero, we strive to uphold values of trust and transparency while delivering exceptional service. Whether you're seeking assistance with a loan or looking for advice on managing your finances, our team is here to help. For any official correspondence, please note that while you can visit us at our Napa location, you may send mail to PO Box 1552, Vallejo, CA 94590-0654. If you're ready to take the next step in your financial journey or simply want to learn more about our services, don't hesitate to reach out! You can call us at 707-552-4550 or visit our website at self-help.org for more information. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Commitment

Self-help is deeply rooted in Napa County. We believe that by investing in our community and supporting local initiatives, we can help create a brighter future for everyone. Our outreach programs aim to assist those facing financial challenges while promoting sustainable growth within the area. We invite you to join us at Self-help! Experience firsthand how we can help you reach your financial goals while being part of a community-focused organization that truly cares. For more information or to become a member today, please call us at 707-552-4550 or visit our website. Together, let's build a stronger tomorrow!

Our Mission

At Self-help, our mission is more than just providing financial services; it's about making a difference. We strive to empower our members through education and resources that foster financial literacy and stability. Whether it's helping someone buy their first car or assisting families in achieving homeownership through mortgage loans, we are dedicated to being a trusted partner in their journey. Our operating hours are designed with your convenience in mind: Monday, Tuesday, and Thursday from 9:00 AM to 5:00 PM; Wednesday from 10:00 AM to 5:00 PM; Friday from 9:00 AM to 6:00 PM; and Saturday from 9:00 AM to 1:00 PM. While we do not have a drive-thru service available, our ATM is ready for use whenever you need it.

Our Story

Since our inception, Self-help has focused on creating positive change in the lives of individuals and families. With total assets now exceeding $2.1 billion, we have built a robust foundation that allows us to offer everything from checking and savings accounts to auto loans and credit cards with rewards. Our commitment to supporting local residents is reflected in our strong community outreach efforts and partnerships with various organizations. As we evolved, we embraced digital advancements to enhance member experience. Our online banking platform makes it easy for members to manage their finances anytime and anywhere. We also offer mobile payments and person-to-person transfer services, ensuring convenience at every turn. While members can visit us at our branch location in Napa, official correspondence should be sent to PO Box 1552, Vallejo, CA 94590-0654.

Branch Location & Accessibility

Accessibility Features

Our location is designed with accessibility in mind, ensuring that everyone can visit us comfortably. We offer ample parking spaces, including designated spots for those with disabilities. Our branch is ADA compliant, featuring ramps and accessible entrances so you can easily access our services.

Operating Hours

We know your time is valuable, so we offer flexible operating hours to fit your busy schedule. You can visit us on Monday, Tuesday, and Thursday from 9:00 AM to 5:00 PM; Wednesday from 10:00 AM to 5:00 PM; and Friday from 9:00 AM to 6:00 PM. We're also open on Saturday from 9:00 AM to 1:00 PM for your convenience.

Services Offered

At Self-help, we provide a variety of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our friendly staff is here to help. We also have an ATM available for quick cash withdrawals and balance checks. If you have any questions or need further assistance, don't hesitate to reach out! Give us a call at 707-552-4550 or stop by the branch today. We look forward to helping you achieve your financial goals!

Member Eligibility

Becoming a member of Self-help is like joining a close-knit family that's dedicated to your financial well-being. If you live, work, or attend school in the Napa area, you're already on your way to becoming part of this supportive community. We welcome individuals from diverse backgrounds and aim to provide services that meet your unique needs. Membership offers fantastic benefits, including access to personalized banking services, competitive loan rates, and financial education resources that empower you to make informed decisions. To get started, simply visit us at our branch located at 3183 Jefferson St Napa Ca 94558, or give us a call at (707) 552-4550 for more details. You can also check out the full eligibility criteria at https://www.self-help.org/personal/join-us/join-shcu . Opening an account is straightforward and designed to help you feel right at home with us. Join today and discover all the advantages that come with being a member of Self-help!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Imagine turning your dream into reality. With our commercial loan options, you can do just that. Whether you're looking to expand your operations or invest in new equipment, our loans are designed to support your unique needs. 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 Make Transactions Easy

In addition to loans, we offer merchant services that streamline payment processes for your business. Imagine accepting payments easily from customers through various channels whether online or in-store. This means more sales and happier customers. Our services help you focus on what you do best running your business while we handle the financial side. Visit us at 3183 Jefferson St Napa Ca 94558 or call us at (707) 552-4550 to learn how we can help your business grow today!

Comprehensive List Of Services

ATM Services

Need cash quickly? Our ATM & Cash Withdrawal Services are available at various locations, ensuring easy access whenever you need it. Plus, basic ATM access for withdrawals and balance checks means you're never far from your money. At Self-help, we're here for all your financial needs. Whether you're visiting us in person or using our digital services, our friendly staff is ready to assist you every step of the way. If you're interested in learning more about any of these services or want to become a member, don't hesitate to reach out at (707) 552-4550 or visit us online at Napa. Join us today and experience the difference!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? We offer competitive Auto Loans & Vehicle Financing options that can fit your budget. With flexible terms and rates, you can drive away knowing you made a smart choice for your finances.

Business Banking

If you're a business owner, we understand how vital it is to have reliable banking support. That's why we offer comprehensive Business Banking services, including Merchant Services & Business Loans. We're committed to helping local businesses thrive in our community.

Credit Cards with Rewards

For those who love rewards, our Credit Cards with Rewards program offers benefits for everyday purchases. Earn points on what you already buy turning regular spending into exciting rewards!

Mortgage Loans & Refinancing

Homeownership dreams are within reach thanks to our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage, our team is here to guide you through every step of the process, making it as smooth as possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills on the go, we make banking simple and efficient.

Personal Banking

When it comes to managing your finances, having the right accounts is crucial. Our personal banking services include Checking & Savings Accounts, designed to help you save for that dream vacation or manage daily expenses with ease. Imagine having a checking account with no monthly fees and easy online access perfect for your busy lifestyle!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but don't worry! Our Personal Loans & Debt Consolidation options provide a safety net when you need it most. You can consolidate debts into one manageable payment, helping you regain control over your finances.

Digital & Online Banking

Key Services for Your Convenience

With our user-friendly mobile application, managing your money has never been easier. Whether you want to check your balance or make payments on the go, our app provides all the tools you need right at your fingertips. Plus, if you prefer using a computer, our online banking platform offers the same great features in a format that's easy to navigate. For those moments when you need to send money quickly, our person-to-person transfer feature allows you to send funds to friends and family instantly, making splitting bills or sending gifts hassle-free. And if you're looking for an eco-friendly option, we offer e-statements so you can view your account activity electronically helping reduce paper waste while keeping you informed.

Security You Can Trust

Your security is a top priority at Self-help. We use robust security measures to protect your personal information during every transaction. Although we currently do not offer electronic signature authorization, rest assured that our systems are designed with your safety in mind. Additionally, we support mobile payments, letting you make purchases directly from your smartphone securely and conveniently. This means no more fumbling for cash or cards; just tap and go! In short, whether you're at home or on the move, Self-help's digital and online banking services are here to provide you with accessible and efficient ways to manage your finances. Visit us today at https://www.self-help.org/ and discover how easy banking can be!

Financial Strength

A Growing Community

Total Share Accounts: 173,015, showing a strong and growing member base that trusts us with their finances. With available funds for lending and investments totaling $0, we are well-positioned to support your future financial 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 3183 Jefferson St Napa Ca 94558 or call (707) 552-4550 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.

Member-Centric 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 $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.

Reinvestment for Better Services

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.

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're here to provide you with competitive financing options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $95,154,985 provide the capital needed to grow and expand your operations. We understand that running a business comes with its own set of financial demands, and we're here to support you.

Credit Lines

If you're looking for flexibility in managing your finances, consider our credit lines totaling $623,381,147. This option allows you to borrow as needed while only paying interest on what you use ideal for unexpected expenses or planned purchases.

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team can guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans for better rates or terms, we have options available. Our team can help assess your situation and find solutions that suit your financial goals. At Self-help, we're committed to providing personalized service and support throughout your borrowing journey. For more information about our loan offerings or to discuss eligibility options, please call us at (707) 552-4550 or visit us at 3183 Jefferson St Napa Ca 94558 in Napa, CA. 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 toward achieving your financial aspirations!

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. Our credit cards come with various rewards and benefits tailored to enhance your spending experience.

Loan Aggregator

Benefits of Using LendMesh

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SELF HELP FEDERAL CREDIT UNION - Napa, CA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans