Enlighten Credit Union Jackson TN | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Enlighten, your trusted partner in financial growth and community support since 1971. Located conveniently at 1306 Highway 70 Byp, Jackson, TN 38301, we are dedicated to serving our 1,494 members with a personal touch and a commitment to excellence. With a robust asset base of $16,223,983, we pride ourselves on being a stable and reliable credit union that prioritizes your financial well-being. At Enlighten, we understand the importance of providing accessible banking solutions tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, or business banking services, we've got you covered. Our experienced team is here to help you navigate your financial journey with confidence. Led by our compassionate CEO, Karen Climer, and Board President Jerry Bland, our small but dedicated staff of 4 employees works tirelessly to create a welcoming environment for all members. We believe in making a positive impact on our community while ensuring that you have the tools and resources to achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to the same address: 1306 Highway 70 Byp, Jackson, TN 38301. Feel free to reach out by phone at 731-423-7499 or send a fax to 731-935-7870 if you have any questions or need assistance. Join us today and experience the Enlighten difference! Visit our website at www.enlightenfcu.org to learn more about our services or apply for an account online. Your future starts here!

Branch History & Mission

Our Evolution

Since our inception, Enlighten has continuously evolved to provide better services and support to our members. We've navigated through economic changes and technological advancements, always with one goal in mind: to empower individuals and families in our community. From humble beginnings, we've expanded our offerings to include personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking services. Our commitment goes beyond just financial services; we strive to make a real difference in Jackson and its surrounding areas. Through various partnerships and community outreach initiatives, we aim to uplift those around us. We believe that when our members thrive, so does the entire community.

Our Mission

At the heart of Enlighten's mission is a commitment to provide exceptional financial services while fostering a supportive environment for all members. We focus on building long-lasting relationships grounded in trust and transparency. Our team is here to guide you through your financial journey whether you're looking for advice on saving for your first home or seeking assistance with everyday banking needs. While members can visit us at 1306 Highway 70 Byp for all their banking needs during our operating hours of Monday through Friday from 8:00 AM to 4:30 PM, we also emphasize digital accessibility. With online banking available, managing your finances is easier than ever. As part of our dedication to being inclusive, we ensure that all facilities are ADA compliant. We may not have ATMs or drive-thru services at this location yet; however, we encourage members to reach out via phone at 731-423-7499 for any assistance they may need. Join us at Enlighten and experience firsthand the benefits of being part of a credit union that truly cares about your financial well-being. Together, let's build a brighter future for ourselves and our community! For more information on membership eligibility or to open an account today, visit us at Enlighten's website.

Branch Location & Accessibility

A Welcoming Atmosphere

At Enlighten, we pride ourselves on creating a warm and inviting environment for all our members. Our branch is fully accessible, with ADA-compliant features ensuring everyone can visit us comfortably. Plus, parking is readily available, so you can stop by without any hassle.

Operating Hours That Fit Your Schedule

We know that life can get busy! That's why our lobby hours are tailored to fit around your schedule. You can visit us Monday through Friday from 8:00 AM to 4:30 PM, making it easy to drop in before or after work. If you have any questions or need assistance, don't hesitate to give us a call at 731-423-7499.

Services Tailored for You

While we currently do not offer ATM services or drive-thru banking, our dedicated team is here to assist you with a variety of personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also provide online and mobile banking options for added convenience, allowing you to manage your finances wherever you are. So why wait? Stop by Enlighten today at 1306 Highway 70 Byp and experience banking that truly puts you first. We look forward to serving you!

Member Eligibility

At Enlighten, we believe that becoming a member is like joining a warm and welcoming family. If you're interested in opening an account with us, you'll be glad to know that the eligibility criteria are straightforward. Typically, anyone who lives, works, or worships in Madison County can join our community. This means you have access to all the great benefits we offer, from personal banking services to loans tailored just for you. To find out more about the specific requirements, feel free to check out this resource: Membership Eligibility. Once you've confirmed your eligibility, getting started is easy! You can open your account online or visit us at our branch located at 1306 Highway 70 Byp, Jackson, TN 38301. If you have any questions along the way, don't hesitate to give us a call at 731-423-7499. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed for everyday transactions. Picture this: a local retail shop smoothly processing credit card payments while managing inventory with ease. Our services provide the tools you need to keep your operations running efficiently, allowing you to focus on what matters most growing your business. Visit us at 1306 Highway 70 Byp Jackson Tn 38301 in Jackson, TN, or call us at (731) 423-7499 to learn more about how we can help your business reach its full potential.

Comprehensive List Of Services

Business Banking Solutions

For small businesses, Enlighten offers business banking services including merchant services and business loans. We know how important it is for businesses to have access to funding and payment solutions that help them thrive.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! They not only give you the flexibility to make purchases but also allow you to earn points on every dollar spent. It's an easy way to get rewarded for your everyday expenses.

Digital Banking Features

In today's fast-paced world, we recognize the importance of digital banking features. With online and mobile banking at your fingertips, managing your accounts has never been easier. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, our person-to-person payment feature allows you to send money quickly and securely. While we currently do not have ATM or drive-thru services available, our commitment remains strong in ensuring that your banking experience is as convenient as possible during lobby hours from Monday to Friday, 8:00 AM - 4:30 PM.

Get Started Today!

Ready to take advantage of everything Enlighten has to offer? Whether you're opening an account or applying for a loan, we're here to assist you every step of the way. Feel free to give us a call at 731-423-7499 or visit us online at Enlighten's website for more information on how we can help meet your financial goals. Your journey towards better banking starts here!

Personal Banking Services

We understand that managing your personal finances can sometimes feel overwhelming. That's why we offer checking and savings accounts designed to fit your lifestyle. Whether you're saving for a vacation or just need a reliable checking account for daily expenses, we have options that work for you. If you're considering purchasing a vehicle, our auto loans and vehicle financing can help make that dream a reality. We offer competitive rates and flexible terms to ensure that you can drive away in the car you want without financial stress. Homeownership is also within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to lower your current mortgage payments, our team is here to guide you through the process. For those unexpected expenses or larger purchases, our personal loans and debt consolidation options can provide the financial relief you need. We aim to make borrowing simple and straightforward so that you can focus on what truly matters.

Digital & Online Banking

Key Services at Your Fingertips

With just a few clicks on our website, accessible at https://www.enlightenfcu.org/ , you can dive into a world of banking that fits your lifestyle. Our 24/7 online banking services ensure you have access to your accounts whenever you need it. Plus, with the option for e-statements, keeping track of your finances is not only easier but also more eco-friendly. If you're always on the go, our mobile application has got you covered. It allows you to manage your accounts right from your smartphone. While we currently don't offer mobile payments directly through the app, the ability to perform person-to-person transfers means you can quickly send money to friends and family without hassle.

Security You Can Trust

Security is a top priority at Enlighten. Although we do not offer electronic signature authorization for transactions, we employ strong security measures to protect your information while using our online services. Our user-friendly interface ensures that managing your account feels intuitive and straightforward. Experience real-time account management like never before. With our digital banking tools, staying on top of your financial goals has never been easier or more accessible. Join us at Enlighten today and take advantage of our comprehensive digital banking offerings!

Financial Strength

A Trusted Partner for Your Financial Future

Net Shares (Funds available for lending and investments): $742,689. We boast a strong membership base with 2,763 total share accounts that trust 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, Enlighten is your trusted partner. Visit us at 1306 Highway 70 Byp Jackson Tn 38301 or call (731) 423-7499 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through our financial practices. Although we currently do not hold $0 in share certificates or $0 in money market shares, our focus remains steadfast on maximizing your savings through other means. 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.

Operational Efficiency

Our operational efficiency shines through with a net income of $172,879, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 0 part-time employees who are dedicated to serving you with a knowledgeable and committed approach.

Reinvestment for Growth

With $1,631,606 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is evident with $106 in used auto loans and $4,196,196 in total loans and leases, supporting our members' financial goals across various sectors.

Strong Financial Health

With a net worth of $2,050,848, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,264 demonstrates a solid capital foundation, ensuring 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, with over $1,572,463 in used vehicle loans and $1,547,224 in new vehicle loans already helping members get on the road. We provide flexible terms and quick approval processes so you can get behind the wheel without any hassle.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $396,649 in loans helping members manage their finances effectively. This is a great way to build your credit while enjoying the convenience of easy payments and rewards.

Credit Lines

For those looking for additional financial flexibility, we provide credit lines totaling $800,000. This option allows you to access funds as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, our team is here to guide you through other financing options that may suit your needs.

Refinancing and Eligibility Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, our team is here to help. We encourage you to reach out for personalized assistance tailored to your specific circumstances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. No matter what your financial goals are, Enlighten is committed to providing support every step of the way. Contact us today at 731-423-7499 or visit our website at Enlighten FCU for more information!

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ENLIGHTEN FEDERAL CREDIT UNION