Valley Strong Credit Union Bakersfield CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Valley Strong, your trusted financial partner located at 3300 Buena Vista Rd, Bakersfield, CA 93311. Since our establishment in 1940, we have been dedicated to serving the community with integrity and care. With over 332,896 members and total assets exceeding $3.9 billion, we pride ourselves on fostering a welcoming environment where everyone can achieve their financial goals. At Valley Strong, we believe in more than just banking; we are committed to making a positive impact in the lives of our members and the communities we serve. Our robust offerings include personal banking services such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions like merchant services and business loans. With total deposits reaching $25,335,596 and an impressive net worth of $368,656,109, our strong financial foundation allows us to provide exceptional service and competitive rates. Our CEO, Nicholas Ambrosini, along with Board President S William Bruce, leads a dedicated team of 585 employees who are here to assist you every step of the way. We understand that navigating your financial journey can be challenging, which is why our team is always ready to offer personalized guidance tailored to your needs. While members can visit us at our branch location for face-to-face assistance or utilize our convenient online and mobile banking options, official correspondence should be sent to PO Box 9506, Bakersfield, CA 93389. We invite you to discover how Valley Strong can empower you on your financial journey. Feel free to call us at 661-833-7900 during our operating hours or explore our website at www.valleystrong.com for more information about our services. Let's work together towards a brighter financial future!

Branch History & Mission

Community Focus

Accessibility is key at Valley Strong. With ATM availability and drive-thru banking options at our branch, we ensure that you can manage your finances conveniently. We also offer online and mobile banking services so that you can take care of your banking needs anytime and anywhere. As we continue forward, we invite you to join our family. Whether you're looking for a loan or simply want guidance on saving for your future, Valley Strong is here for you every step of the way. Experience firsthand how we can make a difference in your financial journey. Come visit us today or explore more about what we offer by visiting our website. Together, let's build a brighter future!

Our Mission

Valley Strong's mission goes beyond just providing financial products; it's about empowering our members to achieve their dreams. We focus on personal banking services that include checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. Our commitment to customer service is evident through our operating hours Monday through Thursday from 9:00 AM to 6:00 PM, Friday until 1:00 PM, and Saturday mornings as well. We aim to support not only your financial health but also the wellbeing of our community through various outreach programs and partnerships with local organizations. By investing in the people around us, we strive to create a stronger Bakersfield for everyone.

Our Story

Located at 3300 Buena Vista Rd, Bakersfield, CA 93311, our branch has become a cornerstone of the local community. The year 1940 marked our opening, and since then, we've seen countless milestones that reflect our commitment to growth and service. We understand the importance of adapting to the changing needs of our members and the community. This is why we've embraced advancements in technology while ensuring our services are accessible to everyone. While you can visit us at the branch for personalized assistance, official correspondence can be sent to PO Box 9506, Bakersfield, CA 93389.

Branch Location & Accessibility

Accessibility Features

At Valley Strong, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features including ramps and designated parking spaces. You'll find ample parking available, ensuring a hassle-free visit whether you drive or walk.

Call to Action

We invite you to come visit us at Valley Strong! Our friendly staff is ready to assist you with any questions or banking needs you may have. Feel free to call us at 661-833-7900 if you need assistance before your visit. We look forward to serving you!

Operating Hours

We understand that life can get busy. That's why our lobby hours are designed with your convenience in mind. We're open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday until 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. If you need to make a quick deposit or withdrawal, take advantage of our drive-thru banking service as well!

Services Offered

At Valley Strong, we offer a variety of personal and business banking services tailored to fit your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, our ATM is always available for quick cash withdrawals and balance checks.

Member Eligibility

Becoming a member of Valley Strong feels like joining a caring family where your financial well-being is our priority. Located at 3300 Buena Vista Rd Bakersfield Ca 93311, we invite anyone who shares a common bond with our community to apply for membership. Whether you're living, working, or attending school in the area, you can join us and take advantage of the many benefits we offer. Membership opens the door to personalized service, competitive rates, and a variety of financial products designed just for you. To learn more about eligibility requirements, feel free to check out this resource: . If you're ready to start your journey with us, opening an account is simple! Just visit https://apply.valleystrong.com/#/product-selector or give us a call at (661) 833-7900 for any questions. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable payment processing system that makes transactions smooth for you and your customers. Our merchant services help you accept payments effortlessly, ensuring you can focus on what really matters growing your business. From point-of-sale systems to online payment solutions, we have the tools you need to thrive. Located at 3300 Buena Vista Rd Bakersfield Ca 93311, Bakersfield, CA, we're here to help your business succeed. Reach out today at (661) 833-7900 and discover how we can partner with you on your 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 $213 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $40 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $202,521,933, 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? At Valley Strong, we offer competitive auto loans and vehicle financing options that make getting behind the wheel more accessible than ever. Picture driving off in your dream car with an affordable monthly payment tailored just for you. Our friendly team will work with you to find the right financing solution that fits your budget.

Business Banking

Entrepreneurs will find valuable support at Valley Strong through our business banking services. From merchant services that simplify payment processing to flexible business loans, we're committed to helping local businesses thrive. We understand the unique challenges business owners face, and we're here to provide solutions tailored specifically for them.

Credit Cards with Rewards

For those who enjoy earning rewards while spending, our credit cards come with fantastic perks designed to benefit you. Whether it's cashback on purchases or travel rewards, having a card that aligns with your lifestyle makes spending feel even more rewarding.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. Need cash? Use our conveniently located ATMs for quick withdrawals or balance checks without stepping foot inside the branch. If you're in a hurry but still need assistance, our drive-thru service is available for quick deposits and withdrawals. At Valley Strong, we are more than just a credit union; we are your financial partner committed to supporting your goals. If you're ready to explore how we can assist you further, give us a call at (661) 833-7900 or visit us online at http://www.valleystrong.com . Let's embark on this financial journey together!

Mortgage Loans & Refinancing

Homeownership can be one of life's most rewarding experiences, and we're here to support you every step of the way. With our mortgage loans and refinancing options, we can help you secure the home of your dreams or lower your current mortgage payments. Our experts will guide you through the process, ensuring that you understand every detail along the way.

Personal Banking

For individuals seeking to simplify their banking experience, our personal banking options include checking and savings accounts designed to fit various lifestyles. Imagine effortlessly managing your day-to-day expenses with a checking account that offers convenient online and mobile banking features. You can easily check balances, transfer funds, and pay bills all from the comfort of your home or while on the go.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the financial relief you need. Imagine freeing yourself from high-interest credit card debt by consolidating it into a single loan with a lower rate. Our team will assist you in finding a solution that best addresses your situation.

Digital & Online Banking

Key Features for Your Convenience

With features like e-statements available at your fingertips, keeping track of your finances is simple and eco-friendly. No more cluttered mailboxes your statements are stored securely online, ready for you whenever you need them. If you're looking to send money quickly, our person-to-person transfer service makes it easy to send money to friends and family without hassle. Plus, our mobile payments feature allows you to make purchases directly from your phone, providing even more flexibility in how you manage your spending. For those who prefer managing their accounts on the go, don't forget to check out our mobile application! It's user-friendly and packed with all the tools you need for real-time account management right in your pocket.

Security You Can Trust

At Valley Strong, security is a top priority. We use advanced encryption technologies to ensure that your information remains safe while using our digital services. Although we currently do not offer electronic signature authorization, we are committed to providing secure ways for you to manage your banking needs. With all these features combined, Valley Strong ensures that banking is not only accessible but also tailored to meet the demands of modern life. Experience the ease of digital banking today!

Financial Strength

Commitment to Operational Efficiency

Our $0 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 531 full-time employees and 54 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts: 742,487, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further illustrate our capability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley Strong is your trusted partner. Visit us at 3300 Buena Vista Rd Bakersfield Ca 93311 or call (661) 833-7900 to learn more about how we can help you achieve your financial goals.

Investments in Member Services

With $199,739,663 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 your financial goals across various sectors with $24,967 in used auto loans and $2,930,579,673 in total loans and leases.

Secure Savings Opportunities

Members' savings are secured through $180,655,050 in share certificates and $1,093,773,446 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $138,204,734, 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 $368,656,109, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $932 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

For business owners, our outstanding commercial loans totaling $202,521,933 provide the capital needed to grow and expand your business. We believe in supporting local businesses and entrepreneurs every step of the way. If you're interested in refinancing any existing loans or exploring eligibility options for our various products, please don't hesitate to reach out. We're committed to making the lending process as straightforward as possible. To learn more about our loan offerings or to apply today, give us a call at (661) 833-7900, visit us at 3300 Buena Vista Rd Bakersfield Ca 93311, or explore our website at http://www.valleystrong.com . Your journey toward better financial health begins here!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $250,484,035 in used vehicle loans and $30,729,181 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a new or used vehicle, our team is here to guide you through the process.

Comprehensive Loan Solutions

With over 168,320 loans issued, we've helped thousands of members achieve their financial goals. Our diverse range of loan offerings includes auto loans, mortgage options, unsecured credit card loans, and more.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $680,101,955, make buying or refinancing simple. We provide flexible terms and competitive rates to help you secure your dream home.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $55,790,096 in loans helping members manage their finances effectively. Our credit cards come with rewards and features designed to fit your lifestyle.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 compliance guarantees that all loan offers presented on LendMesh are fair and transparent.

VALLEY STRONG CREDIT UNION

Type of Loan Offerings

Vehicle Loans