Vocality Community Credit Union Garberville CA | Best Auto Loans & Business Banking

Introduction

Welcome to Vocality Community, your trusted partner in financial growth and stability. Nestled in the heart of Garberville at 757 Redwood Dr, CA 95542, we have been proudly serving our community since 1980. With a commitment to our members, we currently support over 8,692 individuals and families, helping them achieve their financial dreams. At Vocality Community, we understand that banking is more than just transactions; it's about building relationships. Our robust financial portfolio showcases total assets of $143,060,199 and total deposits reaching $17,422,437. We take pride in providing accessible loans, with a total of 4,095 loans and leases offered to meet various needs from auto financing to personal loans. Led by our dedicated CEO, Patricia Neighbors, and Board President Marcia Mendels, our team works tirelessly to create an environment where you can thrive. With a net worth of $10,010,435 and cash in hand amounting to $1,011,782, we are well-equipped to support your financial journey. While members can visit us at our branch for personalized service, official correspondence should be sent to our mailing address: 757 Redwood Drive, Garberville, CA 95542. We invite you to explore our wide array of services including personal banking accounts, business loans, online banking options, and more designed with your needs in mind. Join us today and experience the difference of being part of a community-focused credit union. For inquiries or assistance, feel free to reach out at (707) 923-2012 or visit us online at Vocality Community. Your journey towards financial empowerment starts here!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become part of the Vocality Community family. Experience firsthand the benefits of membership from tailored financial products to dedicated support from a team that genuinely cares about your success. Together, let's build a brighter future for you and our community! For more information or to join us today, please call us at (707) 923-2012 or visit our website at Vocality Community.

Our Journey

From our humble beginnings at 757 Redwood Dr, we've grown significantly, adapting to the needs of our members and the evolving landscape of banking. Over the years, we've embraced technological advancements that make banking easier and more efficient while ensuring that we remain compliant with ADA standards for accessibility. Our dedicated team of 35 employees is here to assist you with everything from personal banking needs to business loans. Our branch is open Monday through Thursday from 8:30 AM to 4:00 PM and on Fridays until 5:00 PM, making it convenient for you to visit us. If you're looking for an ATM, we're pleased to offer one on-site for your convenience.

Our Mission

At Vocality Community, our mission goes beyond just providing financial services; we aim to uplift our community. We believe in empowering individuals by offering personalized support and resources that help them achieve their financial goals. Whether it's through auto loans, mortgage options, or credit cards with rewards, we strive to meet every member's unique needs. We actively engage with local organizations and participate in outreach efforts that strengthen our ties within Garberville. By doing so, we not only enhance the lives of our members but also contribute positively to the community as a whole. While members can visit us at 757 Redwood Dr Garberville Ca 95542, official correspondence should be sent to 757 Redwood Drive, Garberville, CA 95542.

Branch Location & Accessibility

Welcome to Vocality Community! Conveniently located at 757 Redwood Dr in the charming town of Garberville, CA, our branch is here to serve you. With easy access to local landmarks and situated in Humboldt County, we provide a friendly environment where you can manage your banking needs effortlessly. Our branch is designed with your convenience in mind. Parking is readily available, ensuring that your visit is hassle-free. We also take accessibility seriously, featuring ramps and ADA-compliant facilities to accommodate all members of our community. When you step inside, you'll find a welcoming atmosphere ready to assist you with various services such as checking and savings accounts, auto loans, mortgages, and more. If you're on the go, take advantage of our ATM services for quick cash withdrawals and balance checks. We understand that your time is valuable. That's why our operating hours are tailored to fit your busy schedule: Monday through Thursday from 8:30 AM to 4:00 PM and Friday from 8:30 AM to 5:00 PM. While you can visit us at our physical address for all your banking needs, please note that any official correspondence should be directed to the same mailing address at 757 Redwood Drive, Garberville, CA 95542. Whether you're a long-time member or considering joining our credit union family, we invite you to stop by or call us at 707-923-2012. Our dedicated team is eager to help you achieve your financial goals!

Member Eligibility

Joining the vibrant community at Vocality Community is a wonderful way to enhance your financial journey and connect with like-minded individuals. If you're looking to become a member, the process is straightforward and welcoming. To be eligible, you simply need to live, work, worship, or attend school in Humboldt County or belong to a family member who does. This inclusive approach means that many people can enjoy the benefits of membership! You'll gain access to personalized banking services, competitive loan rates, and a supportive network dedicated to helping you achieve your financial goals. For more specific details on eligibility criteria, feel free to visit our website at http://www.vocalityccu.org/field-of-membership. Opening an account is just as easy! Whether you're ready to start your membership today or have questions about the process, don't hesitate to reach out at (707) 923-2012. We're here to guide you every step of the way! You can also find more information about opening an account by visiting http://www.vocalityccu.org/open-account-join. We can't wait for you to join us at Vocality Community, located at 757 Redwood Dr Garberville Ca 95542!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $16 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $34 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $2,289,226, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan options, we offer comprehensive merchant services that help streamline your operations. Imagine being able to accept payments quickly and securely, giving you more time to focus on what really matters growing your business. Our solutions are designed to make transactions smooth, whether you're serving customers in-store or online. Located at 757 Redwood Dr Garberville Ca 95542 in Garberville, CA, we're here to partner with you on your journey toward success. Give us a call at (707) 923-2012 or visit us today!

Comprehensive List Of Services

Call Us Today!

With all these comprehensive services available at Vocality Community, we're dedicated to supporting your financial journey every step of the way. If you have questions or want to learn more about how we can assist you, don't hesitate to give us a call at 707-923-2012. Join us today and experience the difference in community-focused banking!

Convenient Access to Funds

Accessing your money is simple with our ATM & Cash Withdrawal Services, ensuring you can get cash when needed without hassle. Basic ATM access includes withdrawals and balance checks so that you can stay updated on your finances effortlessly.

Personal Banking Solutions

For individuals seeking to manage their finances effectively, our Personal Banking options include checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds anytime through our online and mobile banking platforms. You can check balances, transfer money, and pay bills right from your smartphone or computer. When it comes to financing your next vehicle, we offer competitive Auto Loans & Vehicle Financing. Picture driving away in your dream car with a loan that suits your budget. For those looking to purchase a home or refinance an existing mortgage, our Mortgage Loans & Refinancing options provide flexible terms designed for your comfort. If you're facing unexpected expenses or looking to consolidate debt, consider our Personal Loans & Debt Consolidation services. We understand life can throw curveballs, and we're here to help you navigate them smoothly.

Rewards and Business Services

Additionally, our Credit Cards with Rewards allow you to earn while you spend, perfect for those who love to travel or shop. Not just personal finance, but if you're running a business, our Business Banking services are essential. We offer merchant services and business loans that help your company thrive in today's competitive market.

Digital & Online Banking

Accessibility and Security

We take your security seriously. Our digital banking services use advanced technology to protect your information while providing easy access to your accounts. Whether you're checking e-statements or making transactions through our app, rest assured that your data is safe with us. At Vocality Community, we believe banking should be as straightforward as possible. Our e-statements help you stay organized while reducing paper clutter. Everything you need is at your fingertips, allowing for real-time account management wherever you are. Experience the modern way to bank with Vocality Community where convenience meets security every step of the way!

Key Services

With our online banking platform, available at https://www.vocalityccu.org/, managing your account is just a click away. You can check your balance, pay bills, and transfer funds whenever it suits you. Plus, our 24/7 online banking ensures that your financial needs are met around the clock. If you're on the go, you'll love our mobile application. It's not only user-friendly but also packed with features like mobile payments and person-to-person transfers. Imagine sending money to a friend in seconds without having to write a check or visit the branch! And with electronic signature authorization available, signing documents has never been easier or more secure.

Financial Strength

Commitment to Growth

With $9,185,026 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 members' financial goals across various sectors with $1,553 in used auto loans and $110,679,187 in total loans and leases.

Member Savings and Security

Members' savings are secured through $26,141,615 in share certificates and $23,970,035 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $21,733,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Member Trust

Total Share and Deposit Accounts: 16,418, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $762,165. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Vocality Community is your trusted partner. Visit us at 757 Redwood Dr Garberville Ca 95542 or call (707) 923-2012 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $-480,109 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 35 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $10,010,435, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $696 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 $29,584,148 in used vehicle loans and $15,672,052 in new vehicle loans already helping members get on the road. We also provide refinancing options if you're considering switching lenders or lowering your payments.

Credit Lines and Unsecured Credit Cards

Need extra cash for unexpected expenses? Our total credit lines amount to $28,273,680, giving you flexibility when you need it most. We also offer flexible terms on unsecured credit card loans, with a total of $2,587,781 in loans helping members manage their finances effectively. For business owners looking for funding opportunities, our outstanding commercial loans totaling $2,289,226 provide the capital needed to grow and expand your business. Our commitment is to help you navigate your financial journey smoothly. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're interested in an auto loan or exploring mortgage options, our team is here to assist you every step of the way. Visit us today at Vocality Community and let's discuss how we can support your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $974,496, make buying or refinancing simple. We guide you through the process and offer competitive rates to make homeownership more accessible.

Loan Aggregator

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 commitment to using verified data means that users receive fair and transparent offers tailored to their financial needs.

Benefits of Using LendMesh

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