Valley Strong Credit Union Stockton CA | Best Auto Loans & Rewards Cards

Introduction

Welcome to Valley Strong, your trusted partner in financial success located at 18 S Center St, Stockton, CA 95202. Since our establishment in 1940, we have been dedicated to serving our community with integrity and care. With a robust membership of 332,896 individuals, we pride ourselves on fostering meaningful relationships that empower our members to achieve their financial goals. At Valley Strong, we understand the importance of having reliable financial resources. Our total assets stand at an impressive $3,925,605,060, reflecting our commitment to stability and growth. We offer a wide range of services, from personal banking solutions like checking and savings accounts to auto loans and mortgages, all designed to meet your unique needs. Currently, we manage total loans amounting to 168,320 while ensuring our members have access to $25,335,596 in deposits. Our leadership team is passionate about guiding Valley Strong towards excellence. Under the direction of CEO Nicholas Ambrosini and Board President S William Bruce, we continue to innovate and expand our offerings while maintaining the highest level of service for our members. While you can visit us at our branch address for your banking needs, please note that official correspondence should be sent to our mailing address: P.O. Box 208005, Stockton, CA 95208. Whether you're looking for assistance with loans or simply want to explore how we can help you save more effectively, we're here for you. Feel free to reach out by calling us at 209-948-6024 or explore our services online at www.valleystrong.com. Join us today as we build a brighter financial future together!

Branch History & Mission

Valley Strong has been a pillar of the Stockton community since it first opened its doors in 1940. Nestled at 18 S Center St, Stockton, CA 95202, our branch has grown alongside the city and its residents, evolving from humble beginnings into a vibrant financial institution dedicated to serving over 332,896 members. With total assets reaching an impressive $3,925,605,060, Valley Strong is committed to providing not just banking services but also a sense of belonging and support for our community. Our mission is clear: we aim to empower our members by offering a wide range of financial products and services designed to meet their unique needs. From personal banking solutions like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we are here to help you achieve your financial goals. We also recognize the importance of community engagement and strive to support local initiatives through partnerships that foster growth and development. While our main office is located in Stockton, official correspondence can be sent to P.O. Box 208005, Stockton, CA 95208. As part of our commitment to accessibility, we provide ATM services for your convenience. Although we do not currently offer drive-thru banking or shared service centers at this location, our team is always ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. As we reflect on our journey from a small credit union to one of the largest in the region, we celebrate the trust placed in us by our members. Our focus remains on delivering exceptional customer service while embracing digital advancements that make banking easier for everyone. Whether it's through online banking or mobile payment options, we prioritize your experience every step of the way. Join us at Valley Strong and become part of a community that values connection and support. Experience firsthand how we can help you build a brighter financial future together. For any questions or assistance, feel free to reach us at (209) 948-6024. Your journey toward financial empowerment starts here!

Branch Location & Accessibility

A Range of Services Just for You

At Valley Strong, we offer a variety of financial solutions tailored to meet your needs. From personal banking services like checking and savings accounts to auto loans and mortgage refinancing options, we're here to help you make sound financial decisions. Additionally, if you're a business owner, our merchant services and business loans could support your ventures effectively.

Come Visit Us!

We invite you to drop by Valley Strong at your convenience or give us a call at 209-948-6024 if you have any questions before your visit. Our team looks forward to welcoming you and helping you achieve your financial goals!

Convenient Access and Amenities

Our branch is designed with accessibility in mind, ensuring that all members can comfortably visit us. There's ample parking available nearby, making your trip hassle-free. We also comply with ADA standards, featuring ramps and accessible entrances for those who need them. While our physical branch is where you can receive personalized service, we also have an ATM on-site for quick cash withdrawals and balance checks, so you can manage your finances on-the-go.

Operating Hours That Fit Your Schedule

We understand that life can get busy! That's why our lobby is open Monday through Thursday from 9 AM to 5 PM and extends to 6 PM on Fridays. Whether you're stopping in for banking needs or simply seeking advice about loans or accounts, our friendly staff is here to assist you during these hours. If you need to send us official correspondence, please note that while our main operations are at 18 S Center St, official mail should be directed to P.O. Box 208005, Stockton, CA 95208.

Member Eligibility

At Valley Strong, we believe that everyone deserves to be part of a caring community where their financial needs are met with personalized attention. Becoming a member is simple and welcoming! If you're living, working, or attending school in our local area, you're likely eligible to join us. Our friendly team is here to help guide you through the membership process, ensuring you feel right at home from the start. Plus, as a member of Valley Strong, you'll enjoy exclusive benefits like competitive loan rates and tailored financial services designed just for you. To learn more about what it takes to become a member, feel free to check out the detailed eligibility criteria on our website at . When you're ready to open an account, it's just a few clicks away! Visit us online at https://apply.valleystrong.com/#/product-selector or give us a call at (209) 948-6024 for any questions. We're excited to welcome you into our Valley Strong family located at 18 S Center St Stockton Ca 95202!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer merchant services that make transactions smooth and simple. Picture this: your customers can pay easily with various methods credit cards, mobile payments, or even online transactions all backed by our reliable systems. This means less hassle for you and more satisfaction for your customers. Let us be your partner in success at Valley Strong, located at 18 S Center St Stockton Ca 95202 in Stockton, CA. We're here to support your business every step of the way! For more information or to get started, call us at (209) 948-6024 or visit our website at http://www.valleystrong.com.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the tools and resources to help your business thrive.

Credit Cards That Reward You

Looking for a credit card? Our credit cards with rewards not only provide convenience but also allow you to earn points on purchases. Use them wisely, and watch how quickly rewards add up!

Digital Banking Convenience

In today's fast-paced world, having access to your finances at your fingertips is essential. That's why we offer online and mobile banking capabilities. With these features, managing your accounts is simple and convenient check balances, transfer funds, or pay bills from anywhere! Plus, our ATM services allow for quick cash withdrawals whenever you need them.

Managing Debt with Confidence

Debt can be overwhelming, but our personal loans and debt consolidation services are here to help. We understand that life happens, and sometimes consolidating debt can simplify your financial life. Our team is ready to work with you to find a plan that fits your budget and helps you regain control.

Personal Banking Made Easy

Whether you're just starting out or looking to manage your wealth, our personal banking services have you covered. We offer checking and savings accounts tailored for your lifestyle, ensuring you have easy access to your funds when you need them. For those considering buying a car, our auto loans and vehicle financing options provide competitive rates and flexible terms, making it easier than ever to drive off in your dream vehicle. Thinking about homeownership? Our mortgage loans and refinancing programs can help make that dream a reality. With guidance from our experienced staff, you'll find the right mortgage solution for your situation.

We're Here for You

No matter what stage of life you're in or what financial challenges you're facing, Valley Strong is dedicated to supporting you every step of the way. Our friendly staff is always available by phone at (209) 948-6024 during our operating hours of 9 AM - 5 PM (Monday through Thursday) and 9 AM - 6 PM (Friday). Ready to explore all that we have to offer? Visit us at 18 S Center St Stockton Ca 95202, or check out our website at http://www.valleystrong.com for more information on how we can assist you in achieving your financial dreams!

Digital & Online Banking

Accessible Online Banking

With our 24/7 online banking services available at http://www.valleystrong.com, you can check balances, transfer funds, and pay bills whenever it suits you. No more rushing to the bank before it closes! You have full access to your accounts anytime, day or night.

Mobile App & Payments

Our mobile application makes banking even simpler. Easily deposit checks using your phone camera or set up mobile payments for quick transactions. And if you need to send money to a friend, our person-to-person transfer feature lets you do that with just a few taps.

Security & Convenience

We prioritize your security while offering user-friendly features that make banking stress-free. While we currently do not offer electronic signature authorization, we ensure that all transactions are protected with robust security measures. Plus, you'll receive e-statements directly in your inbox no more paper clutter!

Stay in Control

With everything available at your fingertips, you can manage your finances in real-time. Check out our online banking services today and experience the ease of banking at Valley Strong. Your financial well-being is just a click away!

Financial Strength

Commitment to Your Savings

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.

Growing Together

Total Share Accounts stand at an impressive 742,487, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments remain well-managed. 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 18 S Center St Stockton Ca 95202 or call 209-948-6024 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

With $199,739,663 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust; we have $24,967 in used auto loans and a total of $2,930,579,673 in loans and leases, supporting your financial goals across various sectors.

Operational Efficiency

Our ability to generate income reflects our operational efficiency. While our current net income is $0, it demonstrates our commitment to maintaining stability while focusing on member services. 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 and committed team.

Solid Financial Foundation

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 Options

We believe in making borrowing accessible and straightforward. If you're interested in refinancing options or want to learn more about eligibility requirements for any of our loan products, feel free to reach out. If you want personalized assistance or have any questions, please don't hesitate to contact us at (209) 948-6024. Our dedicated team is ready to help you navigate your financial journey at our branch located at 18 S Center St Stockton Ca 95202, Stockton, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. We provide financing options that make it easy for you to choose the right vehicle without breaking the bank.

Business Financing

For business owners, our outstanding commercial loans totaling $202,521,933 provide the capital needed to grow and expand. We know how vital access to funds can be for your business's success, and we're here to support you every step of the way.

Credit Card Loans

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. This option can be a great way to cover unexpected expenses or consolidate debt while enjoying the benefits of rewards and cashback.

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 offer competitive rates and flexible terms to fit your budget, whether you're a first-time buyer or looking to refinance your existing mortgage.

Loan Aggregator

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Valley Strong

Type of Loan Offerings

Personal Loans