Sonoma Federal Credit Union, located at 917 College Ave in Santa Rosa, California, operates as a member-owned financial cooperative chartered by the National Credit Union Administration. Established to serve the local community, it traces its origins to the mid-20th century, evolving from smaller credit unions in Sonoma County amid post-World War II economic growth. The institution maintains its federal charter, emphasizing cooperative principles of mutual assistance among members.
Its primary functions include providing deposit accounts, consumer and real estate loans, and basic financial services tailored to individuals and small businesses within its field of membership. Operational scope centers on Sonoma County residents, employees of select groups, and their families, with a single branch at the specified address handling in-person transactions, account management, and member support. The credit union adheres to regulatory standards governing federally insured cooperatives, focusing on community-based banking without broader geographic expansion.
Better than 62% of providers in Santa Rosa
In addition to the primary service, Sonoma Federal Credit Union also offers:
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Sonoma Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Sonoma Federal Credit Union is listed as a financial service provider in Santa Rosa, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Sonoma Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Sonoma Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Sonoma Federal Credit Union with other providers in Santa Rosa and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Sonoma Federal Credit Union has a rating of 3.9, which is better than 62% of providers in Santa Rosa.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Sonoma Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Sonoma Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Sonoma Federal Credit Union also offers: Credit union, Bank, Loan agency, Mortgage lender.