Vocality Community Credit Union Garberville CA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Vocality Community, your trusted financial partner located at 747 Redwood Dr, Garberville, CA 95542. Since our establishment in 1980, we have proudly served our members with dedication and commitment, fostering a sense of community that goes beyond banking. With a total membership of 8,692 individuals, we are more than just a credit union; we are a community that grows together. At Vocality Community, we manage total assets of $143,060,199 and maintain an impressive net worth of $10,010,435. Our members benefit from a diverse range of services tailored to meet their needs whether it's personal banking solutions like checking and savings accounts or financing options for auto loans and mortgages. We currently offer over 4,095 loans and leases, ensuring that our members have access to the funds they need for their dreams and aspirations. While you can visit us directly at our branch location, please note that any official correspondence should be sent to our mailing address: 757 Redwood Dr, Garberville, CA 95542. Our dedicated team of 35 employees, led by CEO Patricia Neighbors and Board President Marcia Mendels, is here to assist you with all your banking needs. You can reach us at (707) 923-2012 during our lobby hours from 7:30 AM to 5 PM, Monday through Friday. We invite you to explore how Vocality Community can support your financial journey. For more information about our services or to become a member, please visit our website at Vocality Community. Join us in building a stronger community together!

Branch History & Mission

Join Us

As we look ahead, Vocality Community remains committed to being your trusted partner in financial success. Whether you're looking for personal banking options or business solutions, we invite you to explore what we offer. Join us today and experience firsthand the benefits of being part of a community-focused credit union. For more information or assistance, call us at (707) 923-2012 or visit us online at Vocality Community. Together, let's build a brighter financial future!

Our Evolution

Since our inception, Vocality Community has focused on providing personalized financial services to our members. We understand that banking isn't just about numbers; it's about people. Through the decades, we've adapted to meet the changing needs of our members while staying true to our mission: to empower individuals and families through accessible financial solutions and unwavering support. Our commitment to innovation has seen us embrace digital advancements such as online banking, mobile payments, and electronic signatures. These tools make it easier for our members to manage their finances anytime, anywhere. We are proud to be ADA compliant, ensuring everyone in our community can access our services.

Our Mission

The mission of Vocality Community is clear: we strive to enhance the lives of our members by offering a wide range of financial products and services tailored to their unique needs. From checking and savings accounts to auto loans and credit cards with rewards, we aim to provide solutions that foster financial well-being. But we don't stop there. We believe in giving back. Our partnerships with local organizations and community outreach initiatives reflect our dedication to supporting the neighborhoods we serve. By investing in local projects and activities, we help create a stronger future for everyone in Garberville. While members can visit us at 747 Redwood Dr Garberville Ca 95542, official correspondence should be sent to 757 Redwood Dr, Garberville, CA 95542. Our branch operates Monday through Friday from 7:30 AM to 5 PM, making it convenient for you to access your accounts and speak with our friendly staff.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is crucial for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and ample parking spaces to accommodate everyone. Whether you're visiting for a quick transaction or need assistance with more complex banking services, our friendly staff is here to help.

Operating Hours

We invite you to visit us during our lobby hours from 7:30 AM to 5 PM, Monday through Friday. We're here to assist you with everything from opening new accounts to discussing loan options or personal financing needs.

Services Offered

At Vocality Community, we offer a range of services tailored to meet your financial goals. Enjoy personal banking options such as checking and savings accounts, auto loans, mortgage loans and refinancing, credit cards with rewards, as well as business banking services including merchant services and business loans. Plus, with online and mobile banking capabilities, managing your finances has never been easier! Although we currently do not have ATM availability or drive-thru service at this branch, our team is always ready to provide personalized service inside the branch. Feel free to reach out to us at 707-923-2012 if you have any questions or need further assistance. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Vocality Community is like joining a family that truly cares about your financial well-being. If you live, work, worship, or attend school in the area surrounding our welcoming branch at 747 Redwood Dr Garberville Ca 95542, you're already on your way to enjoying the many benefits we offer. We believe that everyone deserves access to personalized financial services, so whether you're looking for a checking account, loans, or advice on saving for the future, we have something for you. For more details on eligibility criteria, feel free to check out this link. Opening an account with us is straightforward and friendly! Simply visit our website at this page to get started. If you have any questions or need assistance, don't hesitate to call us at (707) 923-2012 we're here to help! Joining Vocality Community means becoming part of a supportive community focused on your financial success.

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer merchant services designed to simplify transactions for your business. Imagine having access to tools that streamline payments, manage cash flow efficiently, and enhance customer experience all tailored for your needs. Our services ensure that you can focus on what you do best: running your business. Located at 747 Redwood Dr Garberville Ca 95542 in Garberville, CA, we invite you to discover how our business banking and commercial services can help turn your vision into reality. Reach out at (707) 923-2012 or visit us online at http://www.vocalityccu.org to learn more!

Tailored Business 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.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, Vocality Community has got you covered too! Our business banking services include essential tools like merchant services and business loans that can help your company thrive. We understand that every business has unique needs, and we're here to support you in achieving your goals.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking solutions. With these features, managing your accounts is just a click away. You can check balances, transfer funds, or pay bills anytime, anywhere all from the comfort of your smartphone or computer. Additionally, our ATM and cash withdrawal services ensure that accessing your money is hassle-free. While we currently do not have ATMs on-site, our network provides plenty of options for easy cash access when needed.

Join Us Today!

At Vocality Community, we pride ourselves on building lasting relationships with our members by offering comprehensive services designed for life's ups and downs. Whether you're looking for personal banking solutions or business support, we're here to help every step of the way. Don't wait any longer! Visit us at our website or call us at 707-923-2012 to learn more about how we can assist you today!

Personal Banking Solutions

Managing your personal finances should be simple and effective. At Vocality Community, we offer checking and savings accounts designed for flexibility and ease of use. Whether you're saving for a dream vacation or managing day-to-day expenses, our accounts help keep your money accessible. Need a new vehicle? Our auto loans and vehicle financing options make it easier than ever to drive away in the car of your dreams without breaking the bank. Plus, if you're considering homeownership, our mortgage loans and refinancing services can guide you through the process with competitive rates and personalized advice. For those unexpected expenses or planned projects, our personal loans and debt consolidation options provide financial relief when you need it most. And don't forget about our rewarding credit cards, which offer various perks to help you make the most of your purchases.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer money with just a few clicks. If you want to send money to friends or family, our person-to-person transfer feature makes it simple and quick. No more waiting in line; you can handle everything from the comfort of your home or on the go. For those who prefer mobile banking, our user-friendly mobile application is ready for download. You can manage your accounts right from your smartphone, whether you're out shopping or relaxing at home. Plus, if you like making payments through your phone, you'll be pleased to know that we support mobile payments for a hassle-free experience.

Security and Accessibility

We prioritize your security with electronic signature authorization, ensuring that all transactions are safe and secure. Additionally, our e-statements feature allows you to receive account statements electronically, helping you keep track of your finances while reducing paper clutter. At Vocality Community, we believe that banking should be straightforward and accessible for everyone. Our commitment to providing easy-to-use digital services means you can manage your money with confidence and control. Whether you're checking your account balance or making a payment, we're here to support you every step of the way!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 16,418, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $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 747 Redwood Dr Garberville Ca 95542 or call (707) 923-2012 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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. Our operational efficiency is reflected in our $-480,109, 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 ready to assist you.

Member-Centric Savings

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.

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. This commitment to financial strength is reflected in our net worth ratio of $696, which demonstrates a solid capital foundation. It ensures 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. We've already facilitated $29,584,148 in used vehicle loans and $15,672,052 in new vehicle loans to help members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our flexible terms make it easier than ever to drive off with confidence.

Credit Lines

For those who prefer flexibility in managing expenses, our credit lines offer total access to $28,273,680 in funds. This allows you to borrow as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options are designed to simplify the buying process. We offer Junior Lien 1-4 Family Residential Properties loans totaling $974,496, providing you with the financial support needed for either purchasing or refinancing your home.

Refinancing Options

If you're considering refinancing your current loans for better rates or terms, we encourage you to explore our refinancing options available across all types of loans. This could help lower your monthly payments or reduce your overall interest costs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Vocality Community is here to support you every step of the way in your financial journey. Visit us today at our branch location or check out our website for more information about eligibility and how to apply for one of our loan products!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $2,587,781 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind while making everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

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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 tailored to their needs. By using only verified data from legitimate financial institutions, LendMesh provides a trustworthy platform for comparing loans.

VOCALITY COMMUNITY CREDIT UNION - Garberville, CA