The First Financial Lakewood CA Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to The First Financial at our Lakewood Branch, located at 4018 Hardwick St, Lakewood, CA 90712. Since our establishment in 1974, we have proudly served our community with a commitment to providing exceptional financial services tailored to meet the needs of our members. With over 35,000 members and assets totaling $771,435,276, we are dedicated to ensuring that your financial journey is secure and rewarding. At The First Financial, we understand that trust is vital in banking. Our experienced team, led by CEO Carlton Musmann and Board President Kari Jean McMullin, strives to create lasting relationships through personalized service. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we have a range of products designed just for you. While members can visit us at our branch location, official correspondence should be sent to the same address: 4018 Hardwick ST, Lakewood, CA 90712-2349. Our friendly staff is here to assist you Monday through Friday from 10:00 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. With a strong foundation built on a net worth of $57,405,965 and total deposits reaching $6,545,864, we pride ourselves on being a stable and reliable choice for all your financial needs. We invite you to explore how we can help you achieve your financial goals. Feel free to reach out by calling us at 800-537-8491 or visit us online at www.ffcu.org for more information. Join us today your trusted partner in finance!

Branch History & Mission

Community Engagement

Over the years, we've engaged in various partnerships and outreach efforts aimed at strengthening community ties. Whether through local events or educational programs, we aim to give back and uplift those around us. Our digital advancements make banking easier than ever; members can manage their accounts online or through mobile applications. As we continue this journey together with our members, we invite you to join us at The First Financial. Experience personalized service and discover how we can help you achieve your financial goals. Reach out today at 800-537-8491 or visit us online at www.ffcu.org. Together, let's build a brighter financial future!

Our Mission

The mission of The First Financial is simple yet profound: to enhance the financial well-being of our members while contributing positively to the communities we serve. We strive to offer services that are both comprehensive and user-friendly. Our focus on customer-centric initiatives ensures that every member feels valued and supported. While you can visit us at our main location on Hardwick St, official correspondence should be directed to our mailing address at 4018 Hardwick ST, Lakewood, CA 90712-2349. We invite everyone in Lakewood and beyond to come experience the difference that a member-focused credit union can make.

Branch Location & Accessibility

Connect With Us

We invite you to drop by or give us a call at 800-537-8491 for any questions or support. Your financial journey starts here at The First Financial Lakewood Branch. Let's work together towards a brighter financial future!

Location Highlights

Our branch is situated in a bustling area with plenty of parking options right outside for your convenience. If you have mobility concerns, rest assured that our facility is ADA-compliant, featuring ramps and accessible entrances to ensure everyone can visit us comfortably.

Operating Hours

We know how busy life can get! That's why we're open Monday through Friday from 10:00 AM to 6:00 PM, and on Saturdays from 9:00 AM to 4:00 PM. Unfortunately, we are closed on Sundays. Whether you need assistance with personal banking services or have inquiries about loans and credit cards, our dedicated team is ready to help during these hours.

Services We Offer

At The First Financial Lakewood Branch, we provide a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we are committed to helping you achieve your financial goals. While we currently do not offer ATM services or drive-thru banking, our knowledgeable staff is always available for face-to-face assistance. If you ever need to send official correspondence, please note that while you can visit us at our branch address, official mail should be directed to the same address: 4018 Hardwick ST, Lakewood, CA 90712-2349.

Member Eligibility

Joining The First Financial is like becoming part of a close-knit family that genuinely cares about your financial well-being. To become a member, you simply need to meet a few friendly criteria that make sure we can serve you best. If you live, work, or worship in the Lakewood area, you're already on the right track! Additionally, if you have a family member who is a current member, that opens the door for you as well. This inclusive approach ensures that our community continues to grow while providing support and resources tailored just for you. If you're ready to take the next step, opening an account with us is straightforward! You can find all the details about eligibility and how to apply by visiting this page. If you have any questions or need assistance, feel free to give us a call at (800) 537-8491. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business without the hassle of complicated payment systems. Our merchant services simplify transactions so you can focus on what you do best growing your business. Whether it's accepting credit cards or managing invoices, our tools make it easy and efficient, ensuring you get paid quickly while keeping your cash flow healthy. Visit us at 4018 Hardwick St Lakewood Ca 90712 in Lakewood, CA, or give us a call at (800) 537-8491 to learn more about how we can help your business thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? We offer competitive auto loans and vehicle financing options that make it easier to get behind the wheel of your dream vehicle. Our loan specialists will work with you to find the best rates and terms that fit your budget. Plus, the application process is simple and straightforward, allowing you to focus on what matters most driving your new car!

Business Banking

For our business members, we provide essential business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your growth with tailored financial solutions.

Credit Cards with Rewards

Our credit cards with rewards make spending rewarding! Use them for everyday purchases and earn points towards exciting rewards. It's an excellent way to make the most out of your spending while enjoying added benefits.

Digital Banking Features

We understand how important convenience is in today's fast-paced world. That's why we offer comprehensive online and mobile banking services. From mobile payments to person-to-person transfers, managing your money has never been easier or more accessible. Feel free to reach out at 800-537-8491 if you have any questions about our services or want assistance in choosing what's right for you. Join us at The First Financial, where we're dedicated to helping you achieve financial success every step of the way! Visit us today or explore more on our website: www.ffcu.org.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and our mortgage loans and refinancing options are designed to support you in achieving that goal. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, we provide personalized guidance throughout the process.

Personal Banking

Our personal banking services include checking and savings accounts that are tailored to help you manage your finances effectively. Imagine having a checking account that not only keeps your money secure but also offers easy online access. With our online and mobile banking features, you can check balances, pay bills, and transfer funds from anywhere at any time.

Personal Loans & Debt Consolidation

Life can be unpredictable, which is why we offer personal loans for various needs from unexpected expenses to planned purchases. If you're feeling overwhelmed by multiple debts, consider our debt consolidation services. We can help simplify your payments by combining them into one manageable loan.

Digital & Online Banking

At The First Financial, we understand that managing your finances should be as convenient and secure as possible. That's why we've invested in a range of digital and online banking services designed to fit your busy lifestyle. With just a few clicks, you can take control of your accounts from anywhere, anytime. Our online banking platform is user-friendly and accessible 24/7 at https://www.ffcu.org/. Whether you want to check your balance, pay bills, or transfer money, everything is just a tap away. You can also enjoy the convenience of person-to-person transfers, making it easy to send money to friends or family without any hassle. Security is our top priority. We offer electronic signature authorization for important transactions, ensuring that your information remains protected while giving you the flexibility to sign documents digitally. Plus, with e-statements available, you'll receive your bank statements electronically keeping your financial records organized and accessible whenever you need them. For those who prefer banking on-the-go, our mobile application provides all the features of our online banking right in your pocket. You can even make mobile payments effortlessly, adding another layer of convenience to your everyday transactions. At The First Financial, we believe that managing your finances should be straightforward and stress-free. Our digital services are designed not only to enhance accessibility but also to empower you with real-time account management tools. Experience the ease of banking with us today!

Financial Strength

Growing Membership Base

With a total of 82,203 share accounts, our strong and growing member base trusts us with their finances. This trust allows us to continue expanding our offerings to meet your diverse needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The First Financial is your trusted partner. Visit us at 4018 Hardwick St Lakewood Ca 90712 or call 800-537-8491 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $161,064,814 in share certificates and $41,373,023 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.

Operational Efficiency

Our net income stands at $0, which reflects our commitment to maintaining operational efficiency while focusing on serving you better. We are proud to have 125 full-time employees and 2 part-time employees, ensuring our branches are always ready to assist you with a knowledgeable and dedicated team.

Reinvesting in Our Members

With $53,831,752 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is significant; with $40,881,098 in total loans and leases including 3,805 used auto loans, we support members' financial goals across various sectors.

Strong Financial Foundation

With a net worth of $57,405,965, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 746 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 $64,804,277 in used vehicle loans and $44,517,505 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our straightforward application process makes it easy for you to get behind the wheel.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $78,997,363. Our competitive rates and flexible terms mean you can find a mortgage solution that fits your budget. Plus, if you're considering refinancing your existing mortgage, we have options available that might be beneficial for you.

Personal & Business Loans

In addition to personal loans and auto financing options, we are proud to offer credit lines totaling $222,550,071 for those who need additional flexibility with their finances. For business owners looking for capital to grow and expand their ventures, our commercial loan services can also provide support as needed.

Unsecured Credit Cards

Managing day-to-day expenses is easier with our unsecured credit card loans. We currently have a total of $101,585,762 in these loans helping members manage their finances effectively. With flexible terms and rewards programs available, our credit cards can be an excellent tool for both budgeting and building credit.

Why Choose Us?

Our member-focused approach means that we're dedicated to providing personalized service every step of the way. Whether you're applying for your first auto loan or considering refinancing your home mortgage, we're here to guide you through the process. For more information on eligibility requirements or to begin your application process today, feel free to contact us at 800-537-8491 or visit our website at www.ffcu.org. 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!

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