Community First Jefferson OH Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Community First, your trusted financial partner located at 22 W Jefferson St, Jefferson, OH 44047. Since our establishment in 1955, we have been dedicated to serving our community, building relationships, and providing top-notch financial services tailored to the needs of our members. With a total membership of 5,136, we pride ourselves on being more than just a credit union; we're a community-focused organization that believes in putting our members first. At Community First, we manage over $91,845,607 in total assets and offer a variety of services including personal banking, auto loans, mortgages, and business banking solutions. Our commitment to you is reflected in our strong financial health, with total deposits amounting to $3,964,477 and a net worth of $12,405,272. We also hold $576,713 in cash on hand, ensuring that we are always ready to meet your financial needs. Our leadership team is dedicated to fostering an inclusive and supportive environment. Under the guidance of CEO Mark DeGeorge and Board President Michael Fitchet, our staff of 18 employees works diligently every day to ensure you receive personalized service that fits your lifestyle. While members can visit us at our Jefferson location for all their banking needs including drive-thru services official correspondence should be sent to our mailing address at 2043 E Prospect Rd, Ashtabula, OH 44004. Ready to take the next step? Whether you're looking for a new account or need assistance with loans or refinancing options, don't hesitate to reach out! Call us today at 440-997-5919 or visit us online at www.communityfirstcu.org. Your journey toward financial well-being starts here!

Branch History & Mission

Our Mission

Our mission is simple yet impactful: to provide quality financial services while fostering a sense of community. We believe that everyone deserves access to tools that can help them achieve their financial goals. Whether it's through our personal banking options like checking and savings accounts or loans for vehicles and homes, we aim to empower our members with the resources they need. Beyond just banking services, Community First is committed to supporting local initiatives and partnerships that uplift our community. From sponsoring events to collaborating with local organizations, we are dedicated to giving back and making a positive difference in Jefferson. While members can visit us at 22 W Jefferson St, official correspondence should be sent to 2043 E Prospect Rd, Ashtabula, OH 44004 if needed. We also feature drive-thru banking for your convenience and digital services like online banking and mobile applications. We invite you to join the Community First family. Experience firsthand how we prioritize your needs while actively contributing to the growth of Jefferson. Together, let's build a brighter future! For more information or assistance, please reach out at 440-997-5919 or visit us online at Community First.

Branch Location & Accessibility

A Comfortable Visit

Accessibility is important to us. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us without hassle. Plus, there's ample parking available right outside our doors, so you won't have to worry about finding a spot when you arrive.

Join Us Today!

While members can visit us at the Jefferson Branch for their banking needs, official correspondence should be sent to our mailing address at 2043 E Prospect Rd, Ashtabula, OH 44004. We invite you to come by and experience the friendly atmosphere at Community First where your financial well-being is our top priority. We look forward to welcoming you soon!

Operating Hours That Fit Your Schedule

We understand that life can be busy. That's why our lobby hours are designed with your convenience in mind: Monday through Wednesday from 8:30 AM to 5:00 PM and Thursday through Friday until 5:30 PM. Whether you're stopping in for a quick transaction or need assistance with more complex banking services, we're here for you.

Services Tailored for You

At Community First, we offer a range of services to help meet your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions tailored just for you. Need some cash? While we don't have an ATM on-site, our drive-thru service allows for simple transactions like deposits and withdrawals without leaving your vehicle. If you're looking for expert advice or support with business banking services like merchant services and business loans, our knowledgeable staff is ready to assist. You can reach us at (440) 997-5919 if you have any questions or need further information.

Member Eligibility

At Community First, we believe that becoming a member means joining a welcoming and supportive community where your financial well-being is our priority. If you're wondering about eligibility, you'll be pleased to know that membership is open to anyone who lives, works, or worships in Ashtabula County and surrounding areas. This inclusive approach makes it easy for you to enjoy the numerous benefits of being part of our credit union family. By choosing Community First, you gain access to personalized services tailored to meet your needs, from checking accounts to auto loans and more. Starting your journey with us is simple! Just visit us at our branch located at 22 W Jefferson St, Jefferson, OH 44047 or give us a call at 440-997-5919 for any questions you might have. For detailed eligibility criteria and the latest updates, check out our website at https://www.communityfirstcu.org/. We're excited to help you take this important step towards a brighter financial future!

Business Banking & Commercial Services

Business Loan Options

Imagine opening your dream café or expanding your existing retail space. With our support, that dream can become a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $107 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $899,357, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, having efficient merchant services can set your business apart. Whether you need reliable payment processing or tools to manage transactions smoothly, we have solutions designed for your unique needs. Picture this: a busy Saturday at your store where customers are eager to make purchases, and with our services, their payments are processed quickly and easily keeping both you and your customers happy. For more information on how we can help your business thrive, visit us at 22 W Jefferson St Jefferson Oh 44047 or give us a call at 440-997-5919. Let's build a brighter future together!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, Community First has tailored solutions just for you. Our business banking services include merchant services and business loans that can help you grow your enterprise without the hassle. We understand how vital access to funds is for small businesses, and we're committed to making this process straightforward.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is paramount. That's why we provide robust online and mobile banking features. With our online platform, managing your finances is just a few clicks away whether you're checking your balance or transferring funds between accounts. You can even enjoy person-to-person payment options that make sending money to friends or family simple and quick. For those times when you need cash on the go, we also offer ATM and cash withdrawal services through our drive-thru banking option. While we currently don't have ATMs available at our branch, our drive-thru service allows for easy deposits, withdrawals, and other simple transactions without leaving your vehicle.

Get In Touch Today!

At Community First, we're more than just a credit union; we're part of your community. For any questions about our services or to speak with one of our friendly representatives, feel free to call us at 440-997-5919 during lobby hours: Monday through Wednesday from 8:30 AM to 5:00 PM and Thursday through Friday from 8:30 AM to 5:30 PM. Ready to explore what Community First can do for you? Visit us today at 22 W Jefferson St in Jefferson or check out our website here. Let's work together toward achieving your financial goals!

Personal Banking Made Easy

When it comes to personal banking, we understand that flexibility and accessibility are key. That's why we offer checking and savings accounts that cater to different needs, allowing you to choose what works best for your financial goals. If you're in the market for a vehicle, our auto loans and vehicle financing options provide competitive rates that make purchasing a new or used car easier than ever. For those who are considering homeownership or looking to refinance, our mortgage loans come with guidance from our knowledgeable staff to help you navigate the process smoothly. Plus, if you're facing unexpected expenses or want to consolidate debt, our personal loans can give you the financial relief you need.

Rewarding Credit Card Options

We also offer credit cards with rewards that let you earn as you spend. Imagine earning points on your everyday purchases it's like getting paid back for using your card!

Digital & Online Banking

At Community First, we know that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your lifestyle. With our user-friendly platform, you can access your accounts anytime, anywhere, ensuring that you're always in control. Our online banking services are available 24/7 at Community First. This means you can check balances, pay bills, and transfer funds with just a few clicks. Plus, our electronic signature authorization feature makes it simpler than ever to sign documents securely without the hassle of printing or mailing. Stay organized and eco-friendly with e-statements. We provide e-statements to all our members, allowing you to view your account statements online whenever you need them. It's not only convenient but also helps reduce paper waste. If you're always on the go, our mobile application is here to help. With this app, you can manage your accounts from the palm of your hand. Although we currently don't support mobile payments, you can still enjoy person-to-person transfers. This feature lets you send money quickly and easily to friends or family right from your device. At Community First, we prioritize your security while making banking straightforward and accessible. Our commitment to providing top-notch digital services ensures that you'll have real-time access to your accounts whenever you need it. Whether you're at home or out and about, we're here to support your banking needs every step of the way!

Financial Strength

At Community First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, which underpins our commitment to serving our community effectively. With a net worth of $12,405,272, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1351 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $11,658,261 in share certificates and $14,974,282 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $12,405,272 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 $6,817,690 in used auto loans and a total of $41,610,651 in loans and leases. Our operational efficiency is evident as reflected by our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 18 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 10,481, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community First is your trusted partner. Visit us at 22 W Jefferson St Jefferson Oh 44047 or call 440-997-5919 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.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,179,690 in used vehicle loans and $3,781,306 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $899,357 provide the capital needed to grow and expand your business. We understand the challenges entrepreneurs face and are committed to supporting local businesses. If you're considering refinancing any existing loans or want to explore eligibility options for our products, our team is ready to assist you. Don't hesitate to reach out for personalized advice tailored to your financial situation. You can contact us at 440-997-5919 or visit us at 22 W Jefferson St Jefferson OH 44047. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Community First help you navigate your financial journey with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,456,083, make buying or refinancing simple. We are here to guide you through the process, offering support every step of the way.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $1,133,551 in loans helping members manage their finances effectively. Our credit cards come with rewards and no hidden fees.

Loan Aggregator

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COMMUNITY FIRST CREDIT UNION - Jefferson, OH

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