Jackson Area Credit Union Jackson MS | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Jackson Area Credit Union, your trusted partner in financial success since 1953. Located at 5675 Highway 18 W, Jackson, MS 39209, we have been dedicated to serving our community for decades. With a robust membership of 15,007 and total assets reaching $139,477,422, we prioritize your financial well-being above all else. At Jackson Area, we understand that managing your finances can be daunting. That's why we offer a range of services designed to meet your needs whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage financing. Our commitment to our members is reflected in our impressive total deposits of $78,924,866 and net worth of $13,329,537. Our experienced team, led by CEO Leigh Bridges and Board President John Anderson, is here to help you navigate your financial journey with confidence. We employ 30 dedicated professionals who are ready to assist you during our operating hours: Monday through Thursday from 8:00 AM to 4:30 PM and Friday until 5:00 PM (with extended drive-thru hours). While members can visit us at our main branch, official correspondence should be sent to our mailing address at PO Box 1403, Jackson, MS 39215. Join us at Jackson Area Credit Union where you can access essential services like online banking and mobile payments while benefiting from personalized support every step of the way. Ready to take control of your finances? Call us today at 601-922-7055 or visit our website at jacksonareafcu.com for more information.

Branch History & Mission

Join Us Today

As we continue to grow and adapt to the changing landscape of banking, we invite you to become part of the Jackson Area family. Experience firsthand the benefits of membership with personalized service and community-focused initiatives. Together, let's build a brighter financial future! For more information or to get started today, give us a call at 601-922-7055 or visit us online at Jackson Area.

Our Evolution

Since our inception, Jackson Area has evolved significantly. Initially established to provide affordable financial services to local residents, we have expanded our offerings to include personal banking products such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. This growth reflects our dedication not only to meeting the financial needs of our members but also to enhancing their overall banking experience. As we look back on our history, we celebrate milestones such as becoming ADA compliant and embracing digital advancements that allow for online and mobile banking services. These initiatives ensure that our members can manage their finances conveniently and securely from anywhere.

Our Mission

At Jackson Area, our mission is clear: to empower individuals through accessible financial services while fostering a spirit of community support. We believe that when our members succeed financially, it enriches the entire community. That's why we actively engage in outreach efforts that benefit local schools, charities, and other organizations. We strive to be more than just a bank; we aim to be a trusted partner in every member's financial journey. While members can visit us at 5675 Highway 18 W for all their banking needs including drive-thru services and ATM access official correspondence should be sent to PO Box 1403, Jackson, MS 39215 if needed.

Branch Location & Accessibility

Welcome to the Jackson Area Credit Union, conveniently located at 5675 Highway 18 W in Jackson, MS. Whether you're a long-time member or new to our community, our branch is designed to make your banking experience as easy and accessible as possible. Nestled near local landmarks, including the bustling shopping areas and parks of Hinds County, we are here to serve you with a smile. At our branch, you'll find ample parking available for your convenience. We've also made sure that our facility is ADA compliant, featuring ramps and accessible entrances so everyone can comfortably visit us. Our friendly staff is ready to assist you during our operating hours: Monday through Tuesday from 8:00 AM to 4:30 PM, and Friday from 8:30 AM to 6:00 PM. Don't forget that we also offer drive-thru banking for quick transactions and ATM access if you need cash on the go. While members can visit us at our physical location for personal banking services like checking and savings accounts, auto loans, mortgages, and more, official correspondence should be sent to PO Box 1403, Jackson, MS 39215 if that's more convenient for you. We also provide shared services with partner credit unions, making it easier for you to manage your finances across various locations. If you have any questions or would like to learn more about what we offer, feel free to give us a call at 601-922-7055. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Jackson Area is like joining a caring community that puts you first. If you live, work, worship, or attend school in the Jackson area, you're already eligible! We believe in inclusivity and want everyone to feel welcome. Membership not only opens doors to great financial products but also connects you to a supportive network dedicated to your success. You can find more detailed eligibility criteria on our website at . Ready to take the next step? Opening an account is straightforward and designed with you in mind. Just visit us at our branch located at 5675 Highway 18 W Jackson Ms 39209, or give us a call at (601) 922-7055 for assistance. We're excited to have you as part of our family at Jackson Area!

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently don't have specific figures to share regarding member or non-member commercial loans, we are dedicated to developing options that suit the needs of local businesses.

Merchant Services That Simplify Transactions

Picture this: your customers are ready to pay, and you want to make the process as smooth as possible. Our merchant services provide reliable payment processing solutions that help you accept payments effortlessly, whether in-store or online. This means more time focusing on what you do best running your business while we take care of the transactions. Visit us at 5675 Highway 18 W Jackson Ms 39209 in Jackson, MS to learn more about how our business banking and commercial services can help fuel your success. Reach out at (601) 922-7055, and let's work together to achieve your business goals!

Comprehensive List Of Services

Accessibility and Convenience

Convenience is key at Jackson Area. With ATM access available for quick cash withdrawals and balance checks, you won't have to wait in line during your busy day. Our drive-thru service makes simple transactions easy just deposit or withdraw without leaving your car! Additionally, if you're a member of another partner credit union, our shared branch services allow basic transactions like deposits and withdrawals at our location as well.

Business Banking

For our business members, we offer essential services like merchant services and business loans that can help you manage and grow your enterprise. We know how crucial it is for businesses to have reliable banking support, so we're here every step of the way.

Digital Banking Features

In today's fast-paced world, digital banking is more important than ever. That's why we offer robust online and mobile banking platforms that include features such as electronic signatures and person-to-person payment options. You can manage your finances from anywhere, making it easier than ever to stay on top of your budget. We invite you to explore these services further by visiting us at Jafcu or calling us at (601) 922-7055. Our friendly team is ready to assist you in achieving your financial goals!

Loans and Financing

Need a new car or looking to refinance your home? Our auto loans and vehicle financing options offer competitive rates that help put you behind the wheel without breaking the bank. For those considering homeownership or wanting to adjust their current mortgage, our mortgage loans and refinancing solutions are designed with your best interests in mind. If life throws unexpected expenses your way, our personal loans can provide the financial relief you need, whether it's for debt consolidation or other personal projects. Plus, our credit cards come with rewards to help you earn while you spend.

Personal Banking

When it comes to personal banking, we understand that having the right accounts can make all the difference. At Jackson Area, you can open checking and savings accounts tailored to your lifestyle. Imagine easily managing your money with online banking and mobile app features that let you check balances, transfer funds, and even make payments on-the-go.

Digital & Online Banking

Key Services Available

With our easy-to-use online banking platform, accessible through https://www.jacksonareafcu.com/ , you can check your account balances, transfer funds, and pay bills with just a few clicks. Our service is available 24/7, so whether it's day or night, you can bank when it suits you best. For added flexibility, we offer e-statements that allow you to view your financial statements electronically. This not only saves paper but also makes it easier to keep track of your spending. If you're looking for quick payments, our mobile payments feature lets you make purchases directly from your smartphone no need for cash or cards.

Security and Accessibility

Security is a top priority at Jackson Area. Our electronic signature authorization ensures that your transactions are secure while maintaining a user-friendly experience. Plus, if you ever need to send money to friends or family, our person-to-person transfers make it simple and safe. Our mobile application provides all these features in one place, making it even easier for you to manage your finances on the go. With just a tap on your phone, you're connected to everything you need. In summary, at Jackson Area, we're committed to providing accessible and secure digital banking solutions that fit into your lifestyle. Experience the ease of managing your finances with us today!

Financial Strength

A Solid 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.

Commitment to Growth

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

Growing Membership

We are pleased to report a strong member base with a total of 25,594 accounts that trust us with their finances. This growing membership not only strengthens our community but also enhances our ability to provide valuable services tailored to your needs. In conclusion, 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 5675 Highway 18 W Jackson Ms 39209 or call (601) 922-7055 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $20,980,496 in share certificates, offering 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 $0 reflects our operational efficiency, 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 dedicated to providing excellent service.

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 rates to ensure that you can find an option that fits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,195, make buying or refinancing simple. We believe that owning a home should be accessible and straightforward for everyone.

Other Loan Products

In addition to our primary offerings, we also have credit lines available totaling $8,000,000, providing additional options for managing larger purchases or unexpected expenses. If you're considering refinancing any of these products or want to learn about eligibility options, don't hesitate to reach out. Our team is here to help you navigate your choices and find the best solution for your situation. For more information about our loan products or to get started today, please contact us at (601) 922-7055 or visit us at our branch located at 5675 Highway 18 W Jackson MS 39209. 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 us help you take the next step toward achieving your financial dreams!

Unsecured Credit Card Loans

For those looking for financial flexibility, we also offer unsecured credit card loans with a total of $1,847,940 helping members manage their finances effectively. These cards come with flexible terms that allow you to use them as needed while keeping your finances under control.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several reasons: - Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many platforms that prioritize lenders based on paid promotions, LendMesh provides unbiased results. Every user receives equal access to all available options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions. This timely information empowers borrowers to make informed decisions tailored to their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to find the best loan rates? Compare real-time loan offers today at LendMesh and discover options that fit your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This rigorous sourcing ensures fair and transparent offers for all users. By connecting borrowers with legitimate lenders, LendMesh guarantees that the information presented is both accurate and trustworthy.

JACKSON AREA FEDERAL CREDIT UNION - Jackson, MS