SMW 104 Federal Credit Union - Livermore, California

SMW 104 Federal Credit Union: A Comprehensive Overview

For individuals and businesses seeking a reliable and community-focused financial institution, SMW 104 Federal Credit Union presents a compelling option. Located at 3156 Constitution Dr, Livermore, CA 94551, this credit union offers a wide range of financial services tailored to meet the diverse needs of its members. With a dedicated team and a commitment to member satisfaction, SMW 104 stands out as a strong contender in the competitive financial landscape. The phone number is 5104831300, and their website can be found at smw104fcu.org. This detailed overview will delve into the specifics of SMW 104, exploring its specialties, accessibility features, member reviews, and overall value proposition.

Specialties and Services

As a Federal credit union, SMW 104 operates under a member-owned structure, prioritizing the financial well-being of its members. This fundamental principle shapes their approach to service and product development. They offer a comprehensive suite of services, including:

• Checking Accounts: Various account options with competitive interest rates and minimal fees.
• Savings Accounts: Promote savings habits with different savings account types designed for various goals.
• Loans: SMW 104 provides loans for mortgages, auto loans, personal loans, and small business loans, offering tailored financing solutions.
• Credit Cards: They offer credit card options with competitive rewards and rates.
• Online and Mobile Banking: Convenient access to accounts and services through secure online and mobile platforms.
• Financial Education: SMW 104 is committed to providing financial literacy resources to help members make informed decisions.

The credit union’s focus is on providing personalized service and building long-term relationships with its members. They strive to go beyond simply offering financial products; they aim to empower members with the knowledge and tools they need to achieve their financial goals.

Location and Accessibility

The physical location of SMW 104 at 3156 Constitution Dr, Livermore, CA 94551 provides members with a convenient place to conduct business. The facility is equipped with important accessibility features, ensuring it is welcoming to all. Specifically, the location offers:

• Wheelchair-Accessible Car Park: A designated parking area for individuals using wheelchairs or mobility devices.
• Wheelchair-Accessible Entrance: A ramp or other accessible entry point to the building.

This commitment to accessibility reflects SMW 104’s dedication to serving the entire community. Beyond the physical location, the credit union’s website and online services are designed to be user-friendly and accessible to everyone.

Member Reviews and Reputation

Currently, SMW 104 has 13 reviews on Google My Business, with an average rating of 3.8/5. These reviews provide valuable insights into the experiences of current members. While the average rating suggests areas for potential improvement, many reviewers praise the credit union’s friendly staff, efficient service, and commitment to members. Some common themes emerging from the reviews include positive feedback regarding loan approvals, helpful staff, and the convenience of online banking. Conversely, a few reviewers mentioned occasional long wait times or difficulty reaching customer service. These are areas the credit union can actively work to address by continuing to enhance its operational efficiency and customer service protocols. A deeper dive into the reviews on Google My Business reveals a generally positive sentiment, suggesting that SMW 104 is a worthwhile financial institution for many.

Further Information and Recommendations

Individuals considering SMW 104 Federal Credit Union should explore the following resources:

• Website: smw104fcu.org – Provides detailed information on all services, rates, and policies.
• Contact Information: Phone: 5104831300 – Allows for direct communication with credit union representatives.
• Google My Business: Provides access to recent reviews and updates.

SMW 104 Federal Credit Union presents a solid choice for individuals and families seeking a member-focused financial institution. Their commitment to accessibility, combined with a wide range of services and a generally positive member reputation, makes them a competitive option in the market. Potential members are encouraged to thoroughly research the credit union’s offerings and consider their individual financial needs before making a decision. The combination of their Federal credit union status and community-oriented approach offers a distinct advantage.