Jackson Area Credit Union Byram MS | Best Auto Loans & Business Banking

Introduction

Welcome to Jackson Area! Located at 7375 S Siwell Rd, Byram, MS 39272, we are proud to serve our community since 1953. With a commitment to providing exceptional financial services, we currently support over 15,000 members and manage total assets of $139,477,422. Our goal is to help you achieve your financial dreams through a range of personalized banking solutions. At Jackson Area, we believe in the power of community and strive to make a positive impact on the lives of our members. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking options, we've got you covered. With total deposits reaching $78,924,866, your hard-earned money is in safe hands with us. Our dedicated team is led by CEO Leigh Bridges and Board President John Anderson, who are passionate about ensuring that every member feels valued and supported. We have a team of 30 employees ready to assist you with any questions or needs you may have. You can reach us at (601) 373-1071 for inquiries or assistance. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 7375 Siwell Road, Byram, MS 39272. We are here to provide convenience with services like online banking and mobile payments. Explore all that we offer at jacksonareafcu.com and discover how we can help you build a brighter financial future. Come see us today!

Branch History & Mission

Welcome to the inspiring journey of Jackson Area, located at 7375 S Siwell Rd, Byram, MS 39272. Since its opening in 1953, this credit union has been a cornerstone of the community, evolving alongside the needs of its members and the surrounding area. From humble beginnings, Jackson Area has grown significantly over the decades. Today, we proudly serve 15,007 members with total assets exceeding $139 million. Our mission is straightforward yet impactful: to provide accessible financial services while supporting our community's growth and prosperity. We believe that when our members thrive, so does our community. At Jackson Area, we offer a variety of personal banking services, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Our commitment to modern banking includes online and mobile banking options, ensuring that members can manage their finances conveniently from anywhere. With ADA compliance in mind, we strive to create an inclusive environment for all. Our branch not only prioritizes financial services but also emphasizes community support. We engage in various outreach initiatives and partnerships that empower local organizations and promote well-being within Byram and beyond. For those who prefer face-to-face interactions, we provide drive-thru banking services for quick transactions and have shared service center availability for seamless banking experiences across partner credit unions. Plus, our ATM is ready for use whenever you need it. While members can visit us at our physical location, official correspondence should be sent to 7375 Siwell Road, Byram, MS 39272 if different from our branch address. We invite you to join us at Jackson Area. Experience firsthand how we prioritize your financial health while fostering a strong sense of community. Whether you're looking to open an account or explore loan options, our friendly team is here to help you every step of the way. Call us today at 601-373-1071 or visit our website for more information!

Branch Location & Accessibility

Call Us Today!

If you have any questions or would like more information about our services, don't hesitate to reach out! You can call us at 601-373-1071. Our friendly staff is always ready to assist you. We invite you to visit us soon at the Jackson Area Credit Union in Byram where banking meets community!

Convenient Access

Our branch is not only easy to find but also accessible for everyone. We have ample parking available, and our facilities meet ADA compliance standards, ensuring that all members can comfortably access our services. If you're in the area, you'll find us just a short drive from local landmarks like the Byram Town Hall and the nearby shopping centers. While members can visit us at 7375 S Siwell Rd, official correspondence should be sent to our mailing address at 7375 Siwell Road, Byram, MS 39272.

Operating Hours & Services

At Jackson Area Credit Union, we understand that your time is valuable. That's why we've designed our operating hours to fit your busy schedule. Our lobby is open Monday through Tuesday from 8:00 AM to 4:30 PM and Friday from 8:00 AM to 5:00 PM. We also offer a convenient drive-thru service for those quick transactions like deposits or withdrawals without leaving your vehicle. We are proud to provide a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Our ATM is available for cash withdrawals and balance checks anytime you need it.

Member Eligibility

At Jackson Area, we believe that everyone deserves a place in our supportive community. Becoming a member is not just about banking; it's about joining a family that cares for your financial well-being. If you live, work, or worship in the Byram area, you're likely eligible to join us! We welcome individuals from various backgrounds and walks of life. For detailed eligibility criteria, feel free to visit our website at . Joining is straightforward! Simply reach out to us at (601) 373-1071 or stop by our branch located at 7375 S Siwell Rd Byram Ms 39272. Our friendly team is here to guide you through the account opening process and answer any questions you may have. At Jackson Area, we're excited to help you embark on your financial journey with us!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a payment processing solution that keeps your cash flow steady and your customers happy. Our merchant services enable you to accept payments easily, whether it's in-store or online. This means faster checkouts, happier customers, and more time for you to focus on what truly matters growing your business. Located conveniently at 7375 S Siwell Rd Byram Ms 39272 in Byram, MS, our team is ready to help you navigate the world of business banking. Let's turn your vision into reality together! For more information, give us a call at (601) 373-1071 or visit our website at https://www.jacksonareafcu.com/ .

Tailored 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.

Comprehensive List Of Services

Additional Services

We also offer basic drive-thru banking for quick deposits and withdrawals as well as shared branch transactions for members of partner credit unions. Our goal is to simplify your banking experience while providing excellent service at every turn. If you have any questions or would like more information about how we can assist you with your financial needs, please don't hesitate to reach out! Call us at 601-373-1071 or visit our website at jacksonareafcu.com. Let Jackson Area be your trusted partner in achieving your financial aspirations!

Business Banking Services

For entrepreneurs and small business owners, we offer business banking solutions including merchant services and business loans. We know that running a business comes with its own set of challenges, and having reliable financial support can make all the difference.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. Whether you need to check your balance, transfer funds, or pay bills on-the-go, our digital platforms allow you to manage your finances from anywhere. Plus, our ATM services ensure you have easy access to cash when you need it most.

Credit Cards with Rewards

Our credit cards not only provide a means for purchases but also come with rewards that can enhance your everyday spending. Picture earning points for travel or cashback while managing your monthly expenses it's just another way Jackson Area strives to add value to your life.

Home Financing Options

Thinking about buying a home? Our mortgage loans and refinancing options make homeownership attainable. We understand that each member's situation is unique, so our team is here to guide you through every step of the process, ensuring you get the best rate possible.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, Jackson Area has you covered. Our personal banking services are tailored to fit your lifestyle. If you're planning a vacation or need extra cash for an unexpected expense, our personal loans and debt consolidation options can help ease your financial burden. For those in need of a vehicle, our auto loans offer competitive rates and flexible terms. Imagine driving off in your new car with the peace of mind that comes from knowing you made a smart financial choice.

Digital & Online Banking

Key Features

One of the standout features of our digital banking service is the ability to use electronic signature authorization. This means you can sign documents quickly and securely without needing to visit a branch. We also offer e-statements to help you stay organized while being environmentally friendly. You can view and download your statements anytime, reducing clutter while keeping important information at your fingertips. For those who are always on the go, our mobile application is a game-changer. Available for download on both Android and iOS devices, it allows you to make mobile payments effortlessly. Need to send money to a friend? Our person-to-person transfer feature has got you covered just tap a few buttons and you're done!

Security and Accessibility

Your security is our top priority. With advanced encryption technology in place, you can bank with peace of mind knowing that your personal information is protected. Our mobile payments feature also ensures secure transactions every time. Whether you're managing day-to-day expenses or planning for future goals, our digital banking services are designed for real-time account management that fits your busy life. Join us at Jackson Area and experience banking that adapts to your needs!

Financial Strength

Commitment to Service

Total Share Accounts stand at 25,594, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $1,480,164, we are well-positioned to support your needs today and into the future. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Jackson Area is your trusted partner. Visit us at 7375 S Siwell Rd Byram Ms 39272 or call (601) 373-1071 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $11,991,889 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity supports your financial goals across various sectors with $2,063 in used auto loans and $46,107,617 in total loans and leases.

Member-Focused Savings

Members' savings are secured through $20,980,496 in share certificates. This provides our members with stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $25,214,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our performance reflects our operational efficiency with a 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 29 full-time employees and 1 part-time employees who are always ready to assist you with knowledgeable service.

Solid Financial Foundation

With a net worth of $13,329,537, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $956 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 $31,468,490 in used vehicle loans and $5,416,174 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make it easier for you to drive away with the vehicle you want.

Credit Lines

For those who need additional flexibility, our credit lines totaling $8,000,000 are available for various purposes. This option allows members to access funds as needed without having to apply for a new loan each time. If you're considering refinancing or checking eligibility options for any of our loan products, feel free to contact us at 601-373-1071. Our dedicated team is here to guide you through every step of the process. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're committed to providing transparent and reliable services that empower our members to reach their financial aspirations.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,195. We simplify the process of buying or refinancing your home so you can focus on making it yours.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,847,940 in loans helping members manage their finances effectively. These cards provide a convenient way to handle everyday expenses while giving you the freedom to pay them off at your own pace.

Loan Aggregator

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JACKSON AREA FEDERAL CREDIT UNION