Community Programs

First Time Auto buying program

With competitive auto loan rates as low as 3.99% APR*, this program allows members to get a vehicle with no credit history. We accept ITIN qualified members as well. Program is for new or used vehicles up to $23K, terms up to 60 months, and up to 100% financing of vehicle’s MSRP or Kelley Blue Book value.

Credit Builder Loans

$500 and $1,000 loans are available to help establish or improve credit. Credit allows you to buy now and pay later. With prompt payments upon the due date, this program will help build and improve your credit score.

Payday loan alternatives

We offer an alternative to high interest loans found from Payday lenders. We may be able to quickly help you get the money you need at much lower rates.

ITIN Loans

Our ITIN auto loan and signature loan options consistently have lower rates compared to those at auto dealers and payday lenders. Credit Union membership is available for members of the Hispanic community with ITIN (Individual Taxpayer Identification Number) or Matricula Consular cards.

REEL Program

The Residential Energy Efficiency Loan (REEL) program was designed to help California homeowners and renters access affordable financing for energy efficiency projects. https://gogreenfinancing.com/

Opportunity Funds

We can provide small business loans to ITIN card holders and borrowers (Household income less than $86,300) who don't have access to loans from traditional banking institutions. It's a credit builder loan program that helps small business owners get the capital they need to start or grow a business, whether the loan is for a food truck or sewing machine.
https://www.opportunityfund.org/

Reloadable Cards

Experience the benefits of our prepaid debit card program through Member Access Pacific (MAP)! It’s Easy: Check Your Balance, know how much you have available on the card before you shop. Present and Sign—Present the card to the cashier, sign the receipt, and go. You have the Power of Visa. Click here to get started!

*Annual Percentage Rate as of 10/23/19. Certain restrictions apply.