Silverado Credit Union Saint Helena CA | Best Auto Loans & Mortgage Rates

Introduction

At Silverado, we believe that banking should be personal, accessible, and community-focused. Located at 1407 Main St Ste 100, Saint Helena, CA 94574, our branch has been serving the needs of our members since 1953. With a commitment to providing exceptional financial services, we proudly support over 3,155 members in achieving their financial goals. With total assets reaching an impressive $55,901,513 and total deposits amounting to $8,036,296, Silverado stands as a pillar of stability and trust in the community. Our diverse offerings include auto loans, mortgage financing, credit cards with rewards, and business banking solutions tailored to meet your specific needs. Whether you're looking to purchase a new vehicle or consolidate debt, we have the right options for you. Under the leadership of CEO Daniel Madrid and Board President Michael Grimes, our dedicated team of 18 employees is here to guide you every step of the way. We are not just about numbers; we are about people our members and their stories matter to us. Each member's journey is unique, and we're proud to provide personalized service that makes a difference in their lives. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: 1407 Main St Ste 100, Saint Helena, CA 94574-1860. If you're ready to experience banking that puts you first, feel free to give us a call at 707-963-9404 or visit us online at silveradocu.com. Join us today and discover how Silverado can help you reach your financial dreams!

Branch History & Mission

A Legacy of Community Support

Located at 1407 Main St Ste 100, Saint Helena, CA 94574, Silverado is more than just a place for banking; it's a cornerstone of support for those who call this region home. From its inception, Silverado was built on the principles of trust and service. Over the decades, we have expanded our offerings to include personal banking, auto loans, mortgages, and business services that cater to the diverse needs of our members. As we evolved, so did our facilities and technology. Today, we proudly boast total assets of $55,901,513, allowing us to provide competitive rates and valuable services to our members. Our commitment extends beyond traditional banking; we embrace advancements that ensure accessibility for all. We have made strides towards ADA compliance and offer online and mobile banking options to better serve our tech-savvy members.

Community Engagement

Silverado takes pride in its active role within the Saint Helena community. We participate in various outreach initiatives that support local organizations and causes. By partnering with schools, charities, and local businesses, we strive to make a positive impact where it matters most. While members can visit us at 1407 Main St Ste 100, official correspondence should be sent to 1407 Main St Ste 100, Saint Helena, CA 94574-1860 if different from the branch address.

Join Us Today!

If you're looking for a credit union that genuinely cares about its members and their community, look no further than Silverado. We invite you to experience firsthand the benefits of membership from personalized banking services to engaging community programs. Reach out today at 707-963-9404 or visit us online at Silverado Credit Union. Join us as we continue to grow together!

Our Mission Statement

At Silverado, our mission is clear: We are dedicated to providing exceptional financial services while fostering strong community ties. We believe in empowering individuals and businesses alike through responsible lending practices and personalized service. Every decision we make focuses on enriching lives whether through affordable loans or community outreach programs. We understand that financial health is crucial for everyone. That's why we work hard to ensure that every member feels valued and supported. Our team is here not only to assist with transactions but also to guide you through your financial journey.

Branch Location & Accessibility

Welcome to the Silverado St. Helena Office, your friendly neighborhood credit union located at 1407 Main St Ste 100 in beautiful Saint Helena, California. Nestled in the heart of Napa County, our branch is conveniently situated near local landmarks, making it easy for you to drop by whenever you need us. At our branch, we prioritize accessibility for all our members. Whether you're visiting us for personal banking or exploring our range of services, you'll find ample parking available right outside. Our location is designed with everyone in mind, featuring ADA-compliant access so that all members can navigate easily. We're open Monday through Wednesday and Friday from 9:00 AM to 4:00 PM, with extended hours on Thursdays until 6:00 PM. If you have questions or need assistance, feel free to call us at 707-963-9404. Our friendly team is here to help! For those who prefer self-service options, we offer convenient ATM access right at our location. While we currently do not have drive-thru banking available, we ensure that your banking experience is smooth and efficient inside the branch. If you need to send any official correspondence, please note that our mailing address is the same as our physical address: 1407 Main St Ste 100, Saint Helena, CA 94574-1860. We invite you to stop by and see how Silverado Credit Union can support your financial goals with a variety of services including checking and savings accounts, auto loans, mortgage options, and more. We look forward to welcoming you into our community!

Member Eligibility

Joining the Silverado family at Silverado feels like becoming part of a close-knit community where your financial well-being is our priority. To become a member, you just need to meet some simple eligibility requirements. Generally, anyone who lives, works, worships, or attends school in Napa County can join us. This means that whether you're a long-time resident or new to the area, there's a place for you at our table. Plus, as a member of Silverado, you gain access to a range of benefits designed to support your financial goals like lower loan rates and personalized service. If you're ready to take the next step, opening an account is straightforward! You can find all the details about account opening on our website. For further information on eligibility requirements and specifics about membership, don't hesitate to visit https://www.silveradocu.com/about-us/membership/ . If you have any questions or need assistance, feel free to give us a call at (707) 963-9404. We can't wait to welcome you into our community!

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 $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $385,393, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make transactions easier for you and your customers. Imagine the convenience of accepting payments seamlessly whether online or in-person allowing you to focus more on what you do best: running your business. At Silverado, we're dedicated to providing the tools and resources you need for success. Let us partner with you on your business journey! For more information, call us at (707) 963-9404 or visit us online at Silverado.

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and business owners, we offer Business Banking solutions including Merchant Services & Business Loans that cater specifically to your needs. We want to support your growth by providing the necessary tools and resources for success.

Convenient Access

To ensure you have easy access to your funds whenever needed, we provide ATM & Cash Withdrawal Services along with Basic ATM Access for withdrawals and balance checks. Plus, with 24/7 availability through our online platform and mobile app, managing your finances has never been more convenient. At Silverado, we pride ourselves on being more than just a credit union; we're a community partner committed to helping you achieve your financial goals. If you have questions or need assistance, don't hesitate to reach out at (707) 963-9404. We invite you to visit us today at 1407 Main St Ste 100 Saint Helena Ca 94574 in Saint Helena, CA, or explore more about our services online at Silverado St. Helena Office. Let us help you take the next step toward financial success!

Financial Support When You Need It

Life can throw unexpected expenses your way, which is where our Personal Loans & Debt Consolidation come into play. With these services, you can consolidate debt or cover those surprise costs without the burden of high-interest rates. Don't forget about our Credit Cards with Rewards! Not only do they provide convenience for everyday purchases, but they also allow you to earn rewards on what you spend perfect for those who love to travel or shop.

Personal Banking Solutions

We understand that managing finances can be challenging. That's why our personal banking options include Checking & Savings Accounts designed to fit your lifestyle and goals. Imagine having easy access to your funds whenever you need them, thanks to our Online & Mobile Banking services. You can check balances, transfer money, and pay bills right from your smartphone or computer. If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing make the process straightforward and stress-free. We offer competitive rates and flexible terms to help you drive away in the car of your dreams. Additionally, if homeownership is on your mind, explore our Mortgage Loans & Refinancing options that can help make that dream a reality.

Digital & Online Banking

Key Features

One of the standout features is the ability to set up e-statements, making it simpler to track your spending and keep records organized without the clutter of paper. Our mobile application enhances this experience further, allowing you to handle banking tasks directly from your smartphone. You can even make mobile payments effortlessly just tap and go! Need to send money to a friend? Our person-to-person transfers let you do just that with ease. Plus, while we don't currently support electronic signature authorization for documents, we're committed to providing straightforward solutions for our members. Our online banking system is user-friendly and designed for all ages. Whether you're tech-savvy or still getting used to smartphones, you'll find everything intuitive and easy to navigate. Managing your accounts in real-time means you'll always know where your money is going. In summary, Silverado offers a complete suite of digital banking tools that enhance how you manage your finances. Experience the convenience of modern banking today!

Financial Strength

Committed Team

We also take pride in having 11 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our operational efficiency is reflected in our net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members.

Growing Member Base

Total Share and Deposit Accounts: 5,154, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Silverado is your trusted partner. Visit us at 1407 Main St Ste 100 Saint Helena Ca 94574 or call (707) 963-9404 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 Back into Our Community

With $5,281,504 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 $81 in used auto loans and $37,653,074 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $2,356,652 in share certificates and $5,080,274 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $5,294,904, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $947 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 $1,164,147 in used vehicle loans and $560,855 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, we can assist you in finding the right financing option.

Business Financing

For business owners, our outstanding commercial loans totaling $385,393 provide the capital needed to grow and expand your operations. We're committed to supporting local businesses and helping them thrive in our community.

Credit Lines and Unsecured Credit Cards

For those looking for flexibility in managing everyday expenses or larger purchases, we offer credit lines totaling $5,550,000 and unsecured credit card loans amounting to $478,483. These products are designed to help you take control of your finances effectively while providing peace of mind when unexpected expenses arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,287,625, making buying or refinancing simple. We aim to make the process as straightforward as possible so that you can focus on what matters most your new home.

Refinancing Options

If you're looking for ways to lower your monthly payments or consolidate debt, we also offer refinancing options across various loan types. We encourage you to reach out for more details about eligibility and how we can assist you. Our commitment is not just about providing loans; it's about building relationships with our members and supporting their financial journeys. For inquiries or assistance with any of our loan products, please call us at (707) 963-9404 during our operating hours from 9:00 am to 4:00 pm Monday through Wednesday and Friday; 9:00 am to 6:00 pm on Thursday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at Silverado for more information on how we can help you achieve your financial dreams!

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SILVERADO CREDIT UNION