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

Introduction

Welcome to Self-help, your trusted credit union located at 1432 7Th St, Oakland, CA 94607. Established in 2008, we have proudly served our community for over a decade, growing to support more than 129,000 members. With total assets amounting to an impressive $2,126,239,636, we are committed to providing financial services that empower our members and foster economic well-being. At Self-help, we understand the importance of community and strive to make a positive impact through personalized banking solutions. Whether you're looking for personal banking options such as checking and savings accounts or need assistance with auto loans, mortgages, or business financing, our dedicated team is here to help. With total deposits of $437,357,613 and a net worth of $600,496,069, our solid financial foundation allows us to offer competitive rates and reliable services tailored to your needs. Our leadership team is led by CEO Martin Eakes and Board President Jose Caballero, who are passionate about fostering a member-centric culture focused on trust and transparency. We believe in being more than just a financial institution; we aim to be a partner in your financial journey. While you can visit us at our Oakland branch for all your banking needs, official correspondence should be sent to the same address: 1432 7th Street, Oakland, CA 94607. Feel free to reach out to us at (510) 267-0450 for any questions or assistance. Experience the difference with Self-help where your financial success is our priority. We invite you to explore our services further by visiting our website at www.self-help.org. Whether you're ready to open an account or just want more information about what we offer, we're here for you every step of the way!

Branch History & Mission

Looking Forward

As we continue on this journey together with you, we are excited about the future. We are constantly exploring new ways to enhance our services while remaining compliant with ADA standards to ensure accessibility for all members of our community. If you're looking for a trusted partner in your financial journey, look no further than Self-help. Join us today and experience firsthand the benefits of being part of a cooperative that truly cares about its members' well-being. For more information or if you have any questions, feel free to reach out at 510-267-0450 or visit us online at self-help.org. Together, let's build a brighter financial future!

Our Journey

Located at 1432 7th St, our branch stands as a testament to our commitment to helping people achieve their financial goals. Our unique identifier, Site ID: 16385, represents not just a location but a hub for progress and support. Over the years, we've built strong relationships within the community, focusing on understanding and addressing the specific challenges faced by our members. From humble beginnings, we've expanded our total assets to an impressive $2,126,239,636. This growth allows us to offer a wide array of services including personal banking options such as checking and savings accounts, auto loans, mortgage loans, and business banking solutions. Our mission has always been clear: to provide accessible financial services while enhancing the quality of life for those we serve.

Our Mission

At Self-help, our mission is rooted in the belief that everyone deserves access to fair financial services. We are here not just to facilitate transactions but also to foster community development and uplift those who may struggle financially. We aim to empower individuals through education and resources that help them make informed financial decisions. We understand that convenience matters; that's why we offer ATM availability for easy cash access and online banking options including mobile payments and personal-to-person transfers. While we do not have drive-thru service or shared service centers at this location, our commitment remains unwavering in providing exceptional service during our operating hours from 9 AM to 5 PM on weekdays.

Branch Location & Accessibility

Welcome to Self-help at our vibrant Oakland branch! Located at 1432 7Th St, Oakland, CA 94607, we are here to serve you with a friendly smile and convenient banking solutions. Our branch is nestled in the heart of Alameda County, close to popular spots like Jack London Square and the bustling waterfront, making it easy for you to stop by while enjoying everything our community has to offer. Finding us is simple! We have plenty of parking available, ensuring you can visit without any hassle. Plus, our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for ease of access. Our lobby hours are welcoming too! We're open from 9 AM to 5 PM Monday through Friday, so whether you're stopping in for a quick transaction or need assistance with your banking needs, we're here for you during the week. While we currently don't offer drive-thru services, we do provide an ATM on-site for quick cash withdrawals and balance checks. If you have any questions or need assistance, feel free to call us at 510-267-0450. We're excited to help you with personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, and more. While members can visit us at 1432 7Th St, official correspondence should be sent to our mailing address: 1432 7th Street, Oakland, CA 94607. We invite you to come by and discover how Self-help can assist you on your financial journey!

Member Eligibility

At Self-help, we believe that becoming a member is like joining a close-knit family that supports you in your financial journey. If you're looking to become part of our community, you'll be pleased to know that membership is open to anyone who lives, works, or worships in the areas we serve. We also welcome those who have a familial relationship with existing members. This means whether you're just starting out or looking for a trusted partner in managing your finances, you'll find a welcoming home here at Self-help. Getting started is easy! Simply visit us at our branch located at 1432 7Th St Oakland Ca 94607 or give us a call at (510) 267-0450. You can find more detailed eligibility information by visiting our website at https://www.self-help.org/personal/join-us/join-shcu , and when you're ready to open an account, all the details you need are available at https://www.self-help.org/personal/join-us/join-shcu . We're excited to help you take this important step towards better financial health!

Business Banking & Commercial Services

Business 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.

Merchant Services

But financing isn't all we do. Our merchant services simplify payment processing so you can focus on what matters most growing your business. Imagine being able to accept payments easily, whether it's in-store or online. This means faster cash flow and happier customers, which are essential for success. If you're ready to take your business to the next level, visit us at 1432 7Th St Oakland Ca 94607 in Oakland, CA or give us a call at (510) 267-0450. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we offer tailored Business Banking solutions including merchant services and business loans. Whether you're just starting out or looking to expand, our knowledgeable team is here to guide you through the process.

Convenient Access

We understand that life can be busy, which is why we provide convenient access through our ATM & Cash Withdrawal Services. Our basic ATM access allows for easy withdrawals and balance checks right when you need them. To learn more about how Self-help can assist you in achieving your financial goals, feel free to reach out at 510-267-0450 or visit us online at self-help.org. We invite you to experience personalized service in a welcoming environment where your financial well-being is our top priority. Join us today!

Credit Card Benefits

Don't forget about our credit card offerings! With our Credit Cards with Rewards, every purchase can earn you points toward exciting rewards. It's a simple way to maximize the value of your spending while enjoying the benefits that come along with it.

Financing Options

When it comes to making big purchases like a car or home, our Auto Loans & Vehicle Financing can help you hit the road with confidence. Need a place to call home? Our Mortgage Loans & Refinancing options provide flexible terms to fit different budgets and lifestyles. If unexpected expenses arise, our Personal Loans & Debt Consolidation services are designed to offer relief when you need it most.

Personal Banking Solutions

For everyday banking needs, our Personal Banking services include checking and savings accounts that help you manage your money efficiently. Imagine having the ability to access your funds anytime through our convenient Online & Mobile Banking platforms. With features like mobile payments and person-to-person transfers, managing your finances has never been easier.

Digital & Online Banking

Key Features

With our online banking services available at https://www.self-help.org/ , you can check your account balances, make transfers, and pay bills with just a few clicks. Our 24/7 online banking ensures that you have access to your financial information whenever you need it. Plus, for those who prefer the convenience of mobile banking, our dedicated mobile application lets you handle everything right from your smartphone. When it comes to making payments, you'll love our mobile payments feature. It's perfect for quick transactions without the hassle of cash or checks. Additionally, if you ever need to send money to friends or family, our person-to-person transfer service makes it easy and fast.

Security and Convenience

We prioritize your security as much as we do convenience. While we currently do not offer electronic signature authorization, rest assured that our systems are designed with robust security measures to protect your personal information. You can also opt for e-statements to receive your account statements electronically keeping everything organized and easy to access while helping the environment. In today's fast-paced world, having control over your finances is essential. With our digital banking options at Self-help, managing your money has never been easier or more secure. Sign up today at https://www.self-help.org/ and discover how simple banking can be!

Financial Strength

Growing Trust

Total Share Accounts: 173,015, showing a strong and growing member base that trusts us with their finances. This growing community is the foundation of our success at Self-help, where we strive to provide exceptional service tailored to your 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 1432 7Th St Oakland Ca 94607 or call (510) 267-0450 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.

Investing in Your Future

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.

Member-Centric Savings Solutions

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 operations reflect our dedication to efficiency with a net income of $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 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 $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 also provide refinancing options to ensure you get the best deal possible on your current auto loan.

Business Financing

For business owners, our outstanding commercial loans totaling $95,154,985 provide the capital needed to grow and expand your business. Whether it's for equipment purchases, inventory management, or other operational costs, we have financing solutions tailored for you. At Self-help, we believe in empowering our members with the tools they need to succeed financially. If you're interested in learning more about our loan offerings or checking your eligibility, please reach out at (510) 267-0450 or visit us online 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 navigate your financial future 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 guide you through every step of the process, ensuring clarity and support as you make one of life's most significant investments.

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 is an excellent option for those looking to consolidate debt or cover unexpected expenses without collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help you make informed financial decisions without the stress. LendMesh ensures accurate loan comparisons by sourcing its data 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 means that the offers you see are fair and transparent, coming from legitimate financial sources. One of the standout features of LendMesh is its commitment to verified data. All loan offers are sourced from recognized institutions, which builds trust in the comparisons provided. Additionally, there are no sponsored listings; LendMesh does not prioritize lenders based on paid promotions. This commitment to unbiased results ensures that users can confidently explore their options. With real-time rate comparisons, LendMesh provides up-to-date information from multiple lenders. This allows users to quickly identify competitive rates and terms tailored to their needs. 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!" If you're looking to compare real-time loan offers today, visit 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.

SELF HELP FEDERAL CREDIT UNION