Self-Help Credit Union San Diego CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Self-help, your trusted financial partner located at 4029 43Rd St, San Diego, CA 92105. Since our establishment in 2008, we have grown to serve over 129,107 members, providing a range of services designed to meet the unique needs of our community. With assets totaling an impressive $2,126,239,636 and total deposits reaching $437,357,613, we are committed to helping you achieve your financial goals. Under the leadership of CEO Martin Eakes and Board President Jose Caballero, we strive to create a welcoming environment where you can feel confident about your banking decisions. Our team of 397 employees is here to provide personalized service and expert guidance every step of the way. At Self-help, we believe in more than just numbers; we are dedicated to making a positive impact in our community. With a net worth of $600,496,069 and total loans amounting to 34,718, we're well-equipped to support our members' aspirations whether that means purchasing a new home or consolidating debt. While members can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 4029 43rd St, San Diego, CA 92105. We invite you to explore our wide array of services including personal banking accounts, auto loans, mortgage options, and more all designed with you in mind. Feel free to reach out at 877-369-2828 or visit us online at Self-help for more information. We look forward to serving you!

Branch History & Mission

Join Us

With an ATM available on-site but no drive-thru service or shared service center at this branch, we encourage you to explore all that Self-help has to offer. Whether you're looking for personal loans or business banking solutions, we're here for you every step of the way. We invite you to become part of our growing family at Self-help! Visit us today or call us at 877-369-2828 for more information on how you can join and experience the benefits of being a member. Together, let's build a brighter future!

Our Mission

Our mission at Self-help is clear: we aim to improve the financial well-being of our members while actively participating in community support initiatives. We understand that banking goes beyond transactions; it's about building relationships and fostering economic growth within San Diego. Through various outreach programs and partnerships with local organizations, we are committed to making a positive difference in the lives of those we serve. While members can visit us at 4029 43Rd St, official correspondence should be sent to 4029 43rd St, San Diego, CA 92105 if needed. As part of our member-focused approach, we ensure that our operating hours cater to busy lifestyles: Monday, Tuesday, and Thursday from 9:00 AM to 5:00 PM; Wednesday from 10:00 AM to 5:00 PM; and Friday from 10:00 AM to 6:00 PM.

Our Story

Starting with a simple mission of providing accessible and affordable financial services, Self-help has evolved into a trusted partner for individuals and families in San Diego. We believe in empowering our members by offering not just banking services but also resources to help them achieve their dreams. From personal banking options like checking and savings accounts to vehicle loans and mortgage refinancing, we strive to meet the diverse needs of our community. In addition to traditional banking services, we also embrace digital advancements that make managing finances easier. With online and mobile banking options available, our members can access their accounts anytime, anywhere. We're proud to offer features like mobile payments and e-statements for convenience while ensuring ADA compliance for all our services.

Branch Location & Accessibility

Convenience and Accessibility

Our branch is designed with your convenience in mind. You can easily find us near local landmarks, which makes your visit straightforward. Plus, we offer ample parking right outside for hassle-free access. We are committed to ensuring that everyone can visit us comfortably; our facilities are ADA compliant, featuring ramps and accessible entrances.

Get in Touch!

If you have any questions or want to learn more about what we offer, don't hesitate to reach out! Call us at 877-369-2828 or stop by during our hours. We look forward to welcoming you into the Self-help family at our San Diego branch!

Operating Hours

At Self-help, we understand that flexibility is important. That's why we offer a variety of operating hours to accommodate your busy schedule. Visit us Monday, Tuesday, and Thursday from 9:00 AM to 5:00 PM, Wednesday from 10:00 AM to 5:00 PM, and Friday from 10:00 AM to 6:00 PM. Our friendly staff is ready to assist you during these times!

Services Tailored for You

When you step into our branch, you'll discover a range of services designed just for you from personal banking options like checking and savings accounts to auto loans and credit cards with rewards. While we do not have a drive-thru service, our ATM is available for quick cash withdrawals and balance checks anytime you need it.

Member Eligibility

Becoming a member of Self-help feels like joining a close-knit community that truly cares about your financial well-being. If you live, work, or worship in the San Diego area, you're already on the right track! We welcome individuals from various backgrounds, including those who may be part of specific groups or organizations we partner with. This inclusive approach means that more people can enjoy our personalized services and support. For a detailed overview of eligibility criteria, feel free to check out our website at https://www.self-help.org/personal/join-us/join-shcu . Opening an account is easy and straightforward. Simply visit us at 4029 43Rd St San Diego Ca 92105, and our friendly team will guide you through the process to ensure everything goes smoothly. Whether you're interested in checking and savings accounts, loans, or other financial services, we're here to help. If you have any questions or need assistance, don't hesitate to call us at (877) 369-2828. We can't wait to welcome you into the Self-help family!

Business Banking & Commercial Services

Loan Options for 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 Made Simple

In today's fast-paced environment, seamless payment processing is essential. Our merchant services are designed to make transactions easier for you and your customers. Imagine being able to accept payments quickly, whether in-store or online, helping you maintain cash flow and enhance customer satisfaction. Located at 4029 43Rd St San Diego Ca 92105 in San Diego, CA, we are here to support your journey toward success. Reach out to us at (877) 369-2828 to learn more about how we can help your business grow!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, our Business Banking services provide essential tools such as Merchant Services and Business Loans. We understand how crucial it is for businesses to have reliable banking support. Our team can help set up accounts that cater specifically to business needs and provide guidance on financing options.

Convenient Access

We know that life gets busy; that's why we offer convenient Online & Mobile Banking features along with ATM services for easy cash withdrawals and balance checks whenever you need them. With access available 24/7 from your smartphone or computer, managing your finances has never been simpler. At Self-help, we're committed to helping you achieve your financial goals with ease and convenience. If you're ready to take the next step in your financial journey or have any questions about our services, don't hesitate to reach out! Call us at (877) 369-2828 or visit us at 4029 43Rd St San Diego Ca 92105 in San Diego, CA today!

Credit Cards

Take advantage of our Credit Cards with Rewards, which allow you to earn points for everyday purchases. This means that every time you swipe your card for groceries or gas, you're working towards exciting rewards and benefits.

Home Ownership

Thinking about owning a home? Our Mortgage Loans & Refinancing services will help you navigate the home buying process smoothly. Whether you're looking to buy your first home or refinance an existing mortgage for better rates, we are here to assist you with personalized solutions that suit your needs.

Personal Banking

For individuals seeking reliable banking options, we offer Personal Banking services that include checking and savings accounts designed to fit your lifestyle. Imagine having a place where you can easily manage your money while earning interest on your savings this is exactly what our accounts provide. Plus, with features like online and mobile banking, accessing your funds has never been easier. You can check balances, transfer money, and pay bills from anywhere.

Personal Loans

Life can sometimes throw unexpected expenses your way. With our Personal Loans & Debt Consolidation options, you can borrow what you need without added stress. We aim to simplify the borrowing experience so that you can focus on what truly matters whether it's consolidating debt or funding a special project.

Vehicle Financing

If you're considering purchasing a car, our Auto Loans & Vehicle Financing options are perfect for making that dream a reality. We understand that buying a vehicle is an important decision, and we offer competitive rates to help ease the burden. Our knowledgeable staff can guide you through the process, ensuring you understand all your financing options.

Digital & Online Banking

Convenient Features

We know how important it is for you to have quick access to your funds and to transfer money without hassle. Our person-to-person transfer feature makes sending money to friends and family straightforward no need for cash or checks! Additionally, if you're out shopping or dining, our mobile payments feature allows you to make purchases directly from your phone, adding another layer of convenience to your daily life.

Enhanced Security

Your security is our top priority. While we do not currently support electronic signature authorization, we ensure all transactions are protected with advanced security measures. You can trust that your personal information is safe when using our online services.

Go Green with E-Statements

Say goodbye to paper clutter! With our e-statements availability, you can receive your account statements electronically. This not only keeps things organized but also helps the environment by reducing paper waste.

Mobile Application

For those who prefer managing finances on their mobile devices, we offer a robust mobile application. This app provides all the features of online banking right at your fingertips making it easy to check balances, pay bills, and transfer money while you're out and about. In summary, Self-help is committed to providing accessible and secure digital banking solutions tailored for our members. Experience financial freedom today through our innovative online banking services!

Financial Strength

Growing Trust

Total Share Accounts: 173,015, showing a strong and growing member base that trusts us with their finances. This trust reflects our dedication to transparency and accountability in all that we do. 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 4029 43Rd St San Diego Ca 92105 or call (877) 369-2828 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 operational efficiency shines through 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.

Reinvestment for 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 commitment to growth is further evidenced by our substantial lending capacity; 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.

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 provide flexible financing options for both new and used vehicles, making it easier than ever to drive home the car you want.

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 businesses face and are here to support you every step of the way.

Credit Lines

If you're looking for additional flexibility, consider our total credit lines amounting to $623,381,147. This option allows you to access funds as needed while only paying interest on what you use. At Self-help, we believe in empowering our members through accessible financial solutions. If you're considering refinancing or have questions about eligibility for any of our loan products, don't hesitate to reach out. You can contact us at (877) 369-2828 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're committed to helping you succeed financially let's work together toward your goals!

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 your existing mortgage, we offer competitive rates and personalized service to help you navigate the process.

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 no annual fees and rewards programs that can benefit your everyday spending.

Loan Aggregator

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Ensuring Accurate 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.

SELF HELP FEDERAL CREDIT UNION