Uncle Credit Union Stockton CA | Best Auto Loans & Business Banking

Introduction

At Uncle, located at 5757 Pacific Ave Ste 120, Stockton, CA 95207, we believe in building strong financial futures for our members. Established in 1957, Uncle has grown into a trusted partner for over 37,673 members, providing personalized banking solutions that cater to your unique needs. With total assets of $753,952,319 and total deposits reaching $31,084,067, we prioritize your financial well-being. Our commitment to the community is evident through our various offerings: from personal banking services like checking and savings accounts to auto loans and mortgage refinancing. As we stand by you on your financial journey, you can count on our dedicated team of 107 employees, led by CEO Harold Roundtree and Board President Chung Bothwell. While members can visit us at our branch for all their banking needs, official correspondence should be sent to 2100 Las Positas Ct, Livermore, CA 94551. Whether you're looking for a new vehicle loan or want to explore business financing options, we're here to help you every step of the way. Feel free to reach out to us at 925-447-5001 or visit our website at www.unclecu.org for more information about how we can assist you today!

Branch History & Mission

At Uncle, we take pride in our rich legacy and commitment to serving the community. Since opening our doors in 1957, we've been dedicated to providing exceptional financial services to the residents of Stockton, CA. Located at 5757 Pacific Ave Ste 120, our branch has grown alongside the city, developing strong relationships with members and fostering a sense of belonging. Over the years, Uncle has evolved significantly. From a modest start, we've expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage financing, and business banking solutions. As of now, we proudly serve over 37,000 members and manage total assets exceeding $753 million. This growth is a testament to our focus on community needs and our ability to adapt to changing financial landscapes. Our mission at Uncle is clear: we strive to empower our members through accessible financial services while supporting local initiatives that strengthen our community. We believe that everyone deserves a chance to thrive financially, which is why we offer personalized service tailored to individual needs. Whether it's helping you secure a loan or guiding you in managing your savings, our dedicated team is here for you. While members can visit us at 5757 Pacific Ave Ste 120 Stockton Ca 95207, official correspondence should be sent to 2100 Las Positas Ct, Livermore, CA 94551. Our operating hours are Monday through Friday from 9 AM to 5 PM and Saturday from 10 AM to 2 PM, making it convenient for you to reach out whenever necessary. In addition to traditional banking services, we have embraced technology with features like online banking and mobile payments, ensuring that your banking experience is efficient and user-friendly. We also prioritize accessibility with ADA compliance measures in place across all platforms. Uncle is not just about transactions; we're committed to giving back. Through partnerships with local organizations and community outreach programs, we aim to make a positive impact in Stockton and beyond. We invite you to join the Uncle family today! Experience firsthand the benefits of membership where your financial well-being comes first. Visit us at our Stockton branch or check out our website at unclecu.org for more information on how we can support your financial journey!

Branch Location & Accessibility

Convenient Access and Features

At Uncle, we prioritize accessibility for all our members. Our branch is fully ADA-compliant, ensuring that everyone can navigate our space comfortably. You'll find ample parking available right outside, allowing for easy entry into our welcoming lobby. While we don't have a drive-thru service at this location, our friendly staff is always ready to assist you inside. Our operating hours are designed to accommodate your busy schedule: we're open Monday through Friday from 9 AM to 5 PM and on Saturdays from 10 AM to 2 PM. This way, you can visit us at a time that works best for you.

Get in Touch

Ready to take the next step? Whether you want to open an account or simply have questions about our services, feel free to give us a call at (925) 447-5001. We invite you to stop by Uncle Credit Union today your trusted financial partner in Stockton!

Services Offered

Uncle Credit Union offers a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. If you're looking for credit cards with rewards or need assistance with business banking, our team is here to help. Plus, with ATM availability right at our branch, accessing cash is simple and convenient. While members can visit us at 5757 Pacific Ave Ste 120 Stockton Ca 95207, official correspondence should be sent to our mailing address: 2100 Las Positas Ct, Livermore, CA 94551.

Member Eligibility

At Uncle, we believe that everyone deserves a supportive financial community. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us. We value all individuals and families who are looking for a trustworthy place to manage their finances. Our doors are open to new members, so whether you're looking for personal banking options or need assistance with loans, we have something for you. For detailed eligibility requirements, feel free to visit our website at https://www.unclecu.org/membership/. If you're ready to get started on your journey with us, simply reach out at (925) 447-5001 or stop by our branch located at 5757 Pacific Ave Ste 120 Stockton Ca 95207 during our operating hours. We can't wait to welcome you into the Uncle family!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer essential merchant services that simplify everyday transactions. Imagine a local bakery that can now accept mobile payments, making it easier for customers to enjoy their favorite treats. Our merchant services not only streamline payment processing but also enhance customer satisfaction, allowing your business to focus on what it does best. Visit us at 5757 Pacific Ave Ste 120 Stockton Ca 95207 in Stockton, CA, or call us at (925) 447-5001 to learn how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $868,745, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we offer specialized services under our Business Banking umbrella. This includes essential Merchant Services & Business Loans, helping you grow and thrive in your industry.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we've invested in robust Online & Mobile Banking features. You can check balances, transfer funds, and pay bills from anywhere at any time using our user-friendly mobile app or website. Need cash? Our ATM & Cash Withdrawal Services are readily available for easy access to your funds.

Home Financing

Thinking about buying a home? Our Mortgage Loans & Refinancing services can guide you through the process, whether you're a first-time buyer or looking to refinance an existing loan for better terms. We understand how important this decision is and are here to support you every step of the way.

Personal Banking Solutions

For those looking to manage their everyday finances, our Personal Banking services are designed with you in mind. We offer Checking & Savings Accounts that come with no monthly fees and easy online access. Imagine having a secure place to store your money while earning interest this is what our accounts can provide. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options make it easier than ever to drive away in your dream car without breaking the bank. With competitive rates and flexible terms, financing your next vehicle has never been simpler.

Personal Loans and Credit Cards

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation options come into play. These loans can help consolidate debt into one manageable payment or provide funds for urgent needs. Plus, don't forget about our Credit Cards with Rewards enjoy perks while managing your purchases efficiently.

Shared Branching Services

If you're a member of a partner credit union, take advantage of our Basic Shared Branch Transactions, including deposits and withdrawals all under one roof! We invite you to reach out to us at 925-447-5001 during our operating hours (M-F 9 am - 5 pm; Sat 10 am - 2 pm) for any questions or to get started with any of our services. At Uncle, we are dedicated to serving you with warmth and professionalism because your financial well-being is our top priority! Explore all that we offer by visiting us online at unclecu.org today!

Digital & Online Banking

Access Your Accounts Anytime

With our 24/7 online banking services available at https://www.unclecu.org/, you can check balances, transfer funds, and pay bills with just a few clicks. No need to rush to the bank during business hours everything you need is right at your fingertips!

Convenient Features

Our mobile application brings even more convenience, allowing you to manage your accounts on the go. Whether you're out shopping or relaxing at home, you can use features like person-to-person transfers to send money quickly to friends or family. Plus, our mobile payments feature lets you pay directly from your phone, making transactions simple and hassle-free.

Real-Time Account Management

Managing your finances has never been easier! With real-time updates on all transactions and account activity, you'll always know where you stand financially. Plus, our user-friendly interface makes navigating your accounts a breeze. Whether you're using our website or mobile app, Uncle provides everything you need for effective banking. Experience the ease of digital banking today!

Secure and User-Friendly

We prioritize your security with electronic signature authorization, ensuring that all your transactions are protected. You can also opt for e-statements instead of paper ones, keeping your information safe and organized while helping the environment.

Financial Strength

Growing Member Base

Total Share Accounts stand at 69,044, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) total $2,071,168, further highlighting our capacity to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Uncle is your trusted partner. Visit us at 5757 Pacific Ave Ste 120 Stockton Ca 95207 or call 925-447-5001 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income of $1,837,848 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 99 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Better Services

With $53,587,708 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 impressive; we have $62,590,9412 in total loans and leases available to support your financial goals across various sectors.

Secure Savings Opportunities

Members' savings are secured through $152,254,092 in share certificates and $126,646,812 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.

Strong Financial Health

With a net worth of $58,390,320, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 774 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 Loan Options

In addition to these popular products, we provide various credit lines and personal loans designed for different financial needs. With total credit lines reaching $317,231,559, our members enjoy access to funds when they need them most. For business owners, our outstanding commercial loans totaling $868,745 provide the capital needed to grow and expand your enterprise.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $90,693,804 in used vehicle loans and $143,491,114 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have flexible terms to suit your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $128,922,594, make buying or refinancing simple. We aim to provide a straightforward application process so you can focus on what matters most finding your dream home.

Refinancing Options

If you're considering refinancing any existing loans, we offer competitive rates and options that can help lower your monthly payments or reduce your overall interest costs. Be sure to ask our team about eligibility options when you visit us! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Uncle, we're committed to providing personalized service and support throughout your borrowing journey. Visit us today or call (925) 447-5001 to learn more about how our loan products can work for you!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $16,536,246 in loans helping members manage their finances effectively. These cards can be a great tool for everyday purchases while allowing you to build or improve your credit history.

Loan Aggregator

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Uncle