Sonoma Credit Union Santa Rosa CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Sonoma Federal Credit Union, your trusted financial partner located at 917 College Ave, Santa Rosa, CA 95404. Established in 1961, we have proudly served our community for over six decades. With a strong commitment to our members, we currently support a vibrant community of 1,784 members and manage assets totaling $72,248,237. Our mission is to provide exceptional personal banking services that cater to your needs. At Sonoma Federal Credit Union, we take pride in offering a range of financial solutions, including auto loans, mortgage financing, and personal loans. We understand the importance of having reliable financial resources at your fingertips. That's why we ensure that our members can access their accounts anytime through our convenient online and mobile banking options. Our leadership team, headed by CEO Renee Rayhill and Board President Kimberly Butler, is dedicated to fostering a welcoming environment where every member feels valued and heard. With a skilled staff of 11 employees, we're here to assist you with personalized service tailored to your unique financial goals. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 917 College Ave, Santa Rosa, CA 95404-4110. With total loans amounting to 825, combined with deposits of $666,244, we are well-positioned to help you achieve your financial aspirations. Whether you're looking to save for the future or make a significant purchase today, Sonoma Federal Credit Union is here to support you every step of the way. Ready to take control of your financial future? Don't hesitate! Call us at 707-527-6216 or visit our website at sonomafed.com for more information on how we can assist you today!

Branch History & Mission

Welcome to Sonoma Federal Credit Union, a proud member of the Santa Rosa community since 1961. Located at 917 College Ave, Santa Rosa, CA 95404, our branch has been committed to serving its members with integrity and dedication for over six decades. With a rich history that began in the heart of Sonoma County, we have grown from humble beginnings into a vital financial institution that now boasts a total membership of 1,784. Our mission is clear: to provide exceptional financial services while fostering strong community connections. We believe in empowering our members by offering a range of products designed to meet their diverse needs. From personal banking solutions like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we aim to make financial management accessible and rewarding for everyone. Throughout our history, we have prioritized community support and outreach. We understand that our success is intertwined with the well-being of the neighborhoods we serve. That's why we actively participate in local events and initiatives, ensuring that we give back to the community that has supported us over the years. While members can visit us at our main branch address, official correspondence should be sent to our mailing address at 917 College Ave, Santa Rosa, CA 95404-4110. This ensures that all communications are handled promptly and efficiently. As part of our commitment to modern banking practices, we offer online and mobile banking options for your convenience. Our operating hours are from 9 AM to 5 PM Monday through Friday, allowing you to access your accounts when it suits you best. Although we currently do not have ATM or drive-thru services available at this location, our digital platforms ensure you can manage your finances anytime. At Sonoma Federal Credit Union, we take pride in managing total assets of $72,248,237 responsibly. This strength allows us to support our members effectively while maintaining stability and security in their financial journeys. As we look toward the future, we invite you to join us on this journey of growth and community engagement. Experience the difference that comes from being part of a credit union that truly cares about its members. Visit us today or explore more about membership benefits on our website here. Join Sonoma Federal Credit Union and discover how together we can build a brighter financial future!

Branch Location & Accessibility

Welcome to the Sonoma Federal Credit Union, your friendly neighborhood financial partner located at 917 College Ave in beautiful Santa Rosa, California. Our branch is conveniently situated near popular spots like the Santa Rosa Junior College and the vibrant local shops along College Avenue, making it easy for you to drop by while you're out and about. At Sonoma Federal Credit Union, we understand that accessibility is key. Our branch features convenient parking and is designed to be welcoming for everyone, including those with mobility challenges. Whether you're visiting for a quick transaction or need assistance with your banking needs, our team is here to help. We are proud to offer lobby hours from 9 am to 5 pm, Monday through Friday, ensuring you have plenty of time to visit us during your day. While we currently do not have ATM services or a drive-thru option available at this location, our friendly staff is always ready to assist you inside the branch. If you need to send any official correspondence, please note that our mailing address is also 917 College Ave, Santa Rosa, CA 95404-4110. You can reach us at 707-527-6216 for any questions or to learn more about how we can support your financial goals. We invite you to come in and discover how Sonoma Federal Credit Union can make your banking experience easy and enjoyable. We look forward to welcoming you!

Member Eligibility

At Sonoma, we believe that everyone deserves access to a supportive community and the financial services that come with it. Becoming a member is easy and welcoming! If you live, work, or worship in Sonoma County, you're already eligible to join us. We pride ourselves on creating an inclusive environment where our members can thrive and feel valued. Joining Sonoma means you can take advantage of our personalized banking services, competitive rates, and a commitment to your financial well-being. For more detailed eligibility criteria, please check out our resource at http://www.sonomafed.com/membership.html. Ready to open your account? It's simple! Just visit us at https://my.homecu.net/fi/sonoma/secure-forms/loan-application.html or give us a call at (707) 527-6216. We're here to help you every step of the way as you embark on this exciting journey with us at Sonoma, located at 917 College Ave Santa Rosa Ca 95404.

Business Banking & Commercial Services

Business Loans Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans, we are eager to help our members achieve their goals. Our non-member commercial loan options stand ready to provide flexible financing solutions as well. Imagine securing a loan that allows you to purchase new equipment, hire additional staff, or even open a new location. With our competitive rates and personalized service, you can focus on what truly matters running your business.

Practical Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify daily transactions. Picture this: a small café using our payment processing solutions to streamline customer payments while keeping track of sales data effortlessly. This means less time worrying about finances and more time delighting customers. Let us be your trusted partner in navigating the financial landscape of your business. We're here to support you every step of the way at 917 College Ave Santa Rosa Ca 95404, Santa Rosa, CA. Reach out today at (707) 527-6216 to learn how we can help your business succeed!

Comprehensive List Of Services

Business Banking Support

For our local entrepreneurs, we provide robust Business Banking solutions. From Merchant Services that simplify payment processing to Business Loans for expansion or startup costs, we're here to support your entrepreneurial journey.

Credit and Rewards

We believe in rewarding our members, which is why we offer Credit Cards with Rewards. You can earn points on everyday purchases, making it easy to treat yourself while staying financially responsible.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we have invested in top-notch digital banking features at Sonoma Federal Credit Union. You can enjoy Online & Mobile Banking, allowing you to manage your accounts anytime, anywhere. Need cash? While we don't have ATMs at this branch, our online services enable easy cash withdrawal planning through other networks and partners. With features like Mobile Payments, eStatements, and Person-to-Person transfers, managing your finances has never been easier. Plus, if you ever have questions or need assistance, feel free to call us at (707) 527-6216 during our lobby hours from 9 am - 5 pm, Monday through Friday. At Sonoma, we're dedicated to helping you achieve financial success with personalized service and innovative solutions. Visit us at 917 College Ave Santa Rosa Ca 95404 in Santa Rosa, CA and discover how we can assist you today! Your financial journey starts here let's take the next step together!

Personal Banking Solutions

We offer a range of personal banking services that help you manage your money effectively. With our Checking & Savings Accounts, you can easily access your funds whenever you need them. Imagine being able to deposit your paycheck and immediately transfer funds to your savings with just a few taps on your phone! Our Auto Loans & Vehicle Financing options allow you to drive off in your dream car without breaking the bank. Whether you're buying new or used, we have competitive rates that fit within your budget. If you're looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide flexible terms tailored to your situation. For those unexpected expenses or plans that require extra cash, our Personal Loans & Debt Consolidation options can help lighten your financial load.

Digital & Online Banking

Key Services

Our 24/7 online banking services provide you with real-time access to your accounts, letting you check balances, transfer funds, and pay bills whenever it suits you. If you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it as simple as a few taps on your smartphone. For those who prefer mobile convenience, our mobile application is available for download. You can use it to make mobile payments effortlessly, ensuring that you can shop and pay bills without needing to carry cash or cards. Plus, with e-statements available, you can keep track of your financial activities while helping the environment by going paperless.

Security and Ease of Use

Your security is a top priority at Sonoma. We implement robust measures to protect your information while making sure that our digital tools are easy to navigate. Although we do not currently offer electronic signature authorization for transactions, our processes are designed to ensure that your banking experience remains smooth and secure. Whether you're checking your account balance during lunch or transferring funds late at night, our online banking services empower you with accessibility and control over your finances. Join us at Sonoma today and experience the ease of modern banking!

Financial Strength

Growing Together

Total Share Accounts: 4,117 show a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $8,744,891, reinforcing our ability to support your aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sonoma is your trusted partner. Visit us at 917 College Ave Santa Rosa Ca 95404 or call (707) 527-6216 to learn more about how we can help you achieve your financial goals.

Investing in Our Future Together

With $7,302,615 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to supporting your financial goals is evident with $106 in used auto loans and $50,949,752 in total loans and leases.

Operational Efficiency

Our $736,978 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 10 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $8,597,597, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further illustrated by our net worth ratio of $1,190, which ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Savings

Members' savings are secured through $27,201,693 in share certificates and $1,801,689 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,579,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,228,836 in used vehicle loans and $349,708 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates designed to meet your needs, whether you're purchasing a brand-new vehicle or a reliable used one.

Credit Lines and Unsecured Loans

For those who need extra flexibility, we offer total credit lines amounting to $5,000,000. Additionally, while we currently do not have unsecured credit card loans available, our approach is always evolving based on member feedback and market conditions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,093,925, make buying or refinancing simple. We work closely with you to ensure you understand your options and can choose a path that fits your budget.

Refinancing Options

If you're considering refinancing your existing loans, be sure to discuss eligibility options with our staff. We aim to make the process straightforward so you can take advantage of better rates or improved terms. At Sonoma, our goal is to empower you with the financial tools needed for success. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can assist you today by visiting us at 917 College Ave Santa Rosa Ca 95404, or give us a call at (707) 527-6216. Your journey towards better financial health starts here!

Loan Aggregator

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