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

Introduction

Welcome to The First Financial at our Montclair Branch, located at 8750 Central Ave, Montclair, CA 91763. Since we opened our doors in 1974, we have been committed to serving our community and helping our members achieve their financial goals. With a membership of over 35,000 and total assets exceeding $771 million, we pride ourselves on providing personalized banking solutions that truly make a difference. At The First Financial, we understand that each member's financial journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. Our dedicated team of 127 employees is here to assist you every step of the way. While members can visit us at our branch location for assistance, official correspondence should be sent to the same address: 8750 Central Ave, Montclair, CA 91763-5100. For any inquiries or support, feel free to reach out by calling us at 800-537-8491. Under the leadership of CEO Carlton Musmann and Board President Kari Jean McMullin, we focus on building lasting relationships with our members while ensuring their financial well-being. With total deposits amounting to $6,545,864 and cash in hand reaching $2,311,505, you can trust that your finances are secure with us. Join us today and experience the difference that a member-focused credit union can make in your life. Whether you're looking to open an account or apply for a loan, visit our website at www.ffcu.org for more information. Your financial future starts here!

Branch History & Mission

Community Engagement

Our commitment extends beyond just financial services; we actively participate in community outreach efforts that help strengthen the fabric of Montclair. We understand that our success is intertwined with the well-being of the communities we serve. Through partnerships with local organizations and initiatives aimed at promoting financial literacy and wellness, we strive to make a positive impact every day. As technology evolves, so do we. Our facilities are designed with ADA compliance in mind to ensure that all members can access our services comfortably. While we currently do not have ATM or drive-thru services available at this location, our friendly staff is always ready to assist you during operating hours: Monday through Friday from 10:00 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM.

Join Us Today

We invite you to become part of The First Financial family. Experience the difference that a member-focused credit union can make in your financial journey. With dedicated staff ready to assist you and a variety of services tailored to meet your needs, there's no better time than now to join us! For more information on how you can become a member or open an account, please visit us online at The First Financial or give us a call at 800-537-8491. Together, let's build a brighter financial future!

Our Mission

At The First Financial, our mission is simple yet powerful: to empower our members by providing exceptional financial services while fostering a strong sense of community. We believe in making banking personal and accessible for everyone. Whether it's helping you secure an auto loan or guiding you through home financing options, we're here to support your financial goals. We take pride in offering a wide range of services including checking and savings accounts, personal loans, credit cards with rewards, and business banking solutions. Our digital offerings like online banking and mobile payments make managing your finances easier than ever.

Branch Location & Accessibility

Convenient Access and Features

At The First Financial, we understand that convenience is key. While visiting us at our branch location, you'll find ample parking available, ensuring your visit is hassle-free. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances so that all members can comfortably access our services. We offer extended lobby hours from Monday to Friday between 10:00 AM and 6:00 PM and Saturday from 9:00 AM to 4:00 PM, giving you plenty of time to come by when it suits you best. Unfortunately, we currently do not have ATM services or drive-thru banking available at this location; however, our team is here to help you with all your banking needs directly inside the branch.

Personalized Service Awaits

When you step into The First Financial's Montclair Branch, you're greeted by a team of dedicated professionals ready to assist you with personal banking options like checking and savings accounts, auto loans, mortgage loans, and more. Whether you're looking for financial advice or need help with online banking options, we are here to guide you every step of the way. If you're unable to visit us in person or prefer a more remote option, feel free to give us a call at 800-537-8491 for any inquiries or assistance. We're excited to support you on your financial journey! We invite you to visit The First Financial Montclair Branch today! Experience the difference of personalized service in your community bank where your financial well-being is our priority.

Member Eligibility

At The First Financial, we believe that everyone deserves access to a supportive financial community. Joining us is simple! If you live, work, worship, or attend school in the Montclair area, you're already on your way to becoming a member. We welcome individuals and their families who meet these criteria, making it easy for you to take advantage of our personalized banking services. To learn more about what it takes to become part of our family, check out the detailed eligibility information at http://www.ffcu.org/about/membership/become-a-member/membership-application. Once you're ready to join, opening an account is straightforward and hassle-free. You can start the process online through our website by visiting http://www.ffcu.org/loans-credit/apply-for-a-loan or give us a call at (800) 537-8491 if you have any questions. We're here to help you every step of the way as you embark on this exciting journey with us at The First Financial, located at 8750 Central Ave Montclair Ca 91763.

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. With user-friendly tools and support, you can accept payments easily, keeping your cash flow steady and your customers happy. Located at 8750 Central Ave Montclair Ca 91763 in Montclair, CA, we're ready to partner with you on your journey to success. Let us be the financial ally you need! For more information, call us at (800) 537-8491 or visit our website at https://www.ffcu.org/.

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no commercial loans funded, we are dedicated to developing options that cater to the unique needs of our community.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing options are designed to help you get on the road without breaking the bank. We offer competitive rates that make car ownership more affordable. Imagine cruising down the highway in your new car, knowing you've made a smart financial choice with our support.

Business Banking

For our entrepreneurial members, we provide comprehensive Business Banking solutions including Merchant Services and Business Loans. We understand that running a business comes with its own set of challenges, and we aim to support local businesses with financial tools that promote growth and success.

Convenience at Your Fingertips

At Montclair Branch, convenience is key. With access to ATM & Cash Withdrawal Services along with our robust online banking platform, managing your finances has never been easier. You can complete transactions from home or on the go whenever it suits you best. Our friendly staff at 8750 Central Ave Montclair Ca 91763 in Montclair, CA is always ready to assist you with any questions or concerns. Feel free to reach out at (800) 537-8491 during our lobby hours from Monday to Friday, 10:00 am - 6:00 pm and Saturday from 9:00 am - 4:00 pm. Ready to take control of your financial future? Visit us today or check out our website at http://www.ffcu.org for more information on how we can help!

Credit Cards with Rewards

With our Credit Cards with Rewards, you can earn points on everyday purchases while enjoying low-interest rates and no annual fees. Imagine earning rewards just by using your card for groceries or gas it's a win-win!

Mortgage Loans & Refinancing

If homeownership is on your radar, look no further than our Mortgage Loans & Refinancing services. We provide personalized mortgage solutions that cater to different budgets and needs. Whether you're buying your first home or refinancing an existing mortgage for better terms, we're here to guide you every step of the way.

Personal Banking

We understand that managing your finances is essential. That's why we offer Personal Banking options including Checking & Savings Accounts. You can easily keep track of your money and save for the future with accounts designed to fit your lifestyle. Plus, our Online & Mobile Banking services give you the flexibility to bank whenever and wherever you need. With features like e-statements and mobile payments, you'll always have control over your finances right at your fingertips.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why our Personal Loans & Debt Consolidation services are here to help. If you're facing multiple debts or need funds for an emergency, we offer flexible personal loans that can ease financial burdens and help simplify your payments into one manageable monthly amount.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and accessible 24/7, allowing you to check your balance, pay bills, and transfer funds without the hassle of visiting a branch. You can explore these features at https://www.ffcu.org/. If you're on the go, our mobile application makes it even easier to keep track of your accounts and make transactions with just a few taps. One standout feature is our electronic signature authorization, which streamlines processes like loan applications or account changes. Plus, with e-statements available, you can say goodbye to paper clutter while still keeping an eye on your finances. You'll always have access to your financial records securely online.

Security and Accessibility

Security is a top priority for us. Our systems are built with advanced safeguards to protect your personal information and ensure safe transactions. You can confidently use our mobile payments feature to make purchases directly from your device without worry. Need to send money to a friend? Our person-to-person transfer option lets you do this quickly and easily, so sharing expenses or splitting bills has never been simpler. In short, with the digital banking services at The First Financial, managing your money has never been easier or more secure. Whether you're at home or on the move, we're here to help you take charge of your finances effortlessly!

Financial Strength

Commitment to Service

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 125 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 82,203, 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, The First Financial is your trusted partner. Visit us at 8750 Central Ave Montclair Ca 91763 or call (800) 537-8491 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Reinvestment for Growth

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 lending capacity is further supported by $3,805 in used auto loans and $408,810,898 in total loans and leases, helping members achieve their financial goals across various sectors.

Strong Financial Position

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

Additional Financing Options

If you're in need of additional credit lines or personal loans for other purposes, we have options available as well. Our total credit lines amount to $222,550,071, providing ample resources for those looking to consolidate debt or finance personal projects. For any questions about our loan offerings or to discuss which option may be best for you, feel free to call us at 800-537-8491. We are open Monday through Friday from 10:00 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. 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 our loan products today and see how we can help you navigate your financial journey!

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, we can assist you with flexible terms and competitive rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $78,997,363, make buying or refinancing simple. We provide various mortgage solutions that cater to different budgets and needs. If you're looking to refinance your existing mortgage or explore eligibility options for purchasing a new home, our team is ready to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $101,585,762 in loans helping members manage their finances effectively. This option provides an easy way to handle everyday expenses while allowing you to build or improve your credit score.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency and trustworthiness. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling them to make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness of the platform in meeting users' needs. Compare real-time loan offers today at 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.*

Ensuring Accurate Loan 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 ensures that users receive fair and transparent offers. The commitment to accuracy means that every loan comparison is grounded in reliable data.