Jackson River Community Credit Union Low Moor VA | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Jackson River Community Credit Union, your trusted partner in financial wellness since 1953. Nestled on Westvaco Road in Low Moor, VA, we are proud to serve our community with personalized banking solutions tailored to meet your unique needs. With a strong commitment to our members, we've built a vibrant community of 6,571 individuals who share our values and goals. At Jackson River Community, we understand that financial decisions can be daunting. That's why our dedicated team is here to guide you every step of the way. Whether you're seeking a new auto loan, mortgage refinancing, or simply want to open a checking account, we have a range of services designed just for you. Our total assets amount to an impressive $115,213,440, and with $25,441,252 in deposits and 3,349 loans under management, we are well-equipped to help you achieve your financial dreams. Led by our compassionate CEO, Kathleen All, and Board President Hunter Fridley, our team of 16 employees is committed to providing excellent service. We believe that banking should be more than just numbers; it should be about building relationships and supporting one another. If you need assistance or have questions about our offerings, feel free to reach out at 540-862-3763. For any official correspondence, please send it to our mailing address at 347 North Court Avenue, Covington, VA 24426. Explore what we can offer by visiting our website at http://www.jrccu.org. We invite you to stop by our branch during lobby hours from Monday through Friday, 9 AM to 5 PM. Come see how Jackson River Community Credit Union can make a positive impact on your financial journey!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to become part of the Jackson River Community family. Experience firsthand the benefits of being a member of a credit union that truly cares about its people. For more information or to open an account online, visit us at Jackson River Community Credit Union or call us at 540-862-3763. Together, let's build a brighter financial future!

Our Journey

Located at Westvaco Road, Low Moor, VA 24457, Jackson River Community has witnessed significant milestones since its inception. From humble beginnings, we have expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Over the years, our total assets have grown to an impressive $115,213,440, reflecting our commitment to responsible growth and member satisfaction. While members can visit us at our branch location for their banking needs, official correspondence should be sent to our mailing address: 347 North Court Avenue, Covington, VA 24426. Our convenient operating hours from Monday to Friday, 9 AM to 5 PM ensure that we are accessible when you need us most.

Our Mission

At Jackson River Community Credit Union, our mission is simple yet powerful: to provide exceptional financial services while enhancing the quality of life in our community. We believe that everyone deserves access to affordable financial products and personalized service. Our dedicated team is here to guide you through every step of your financial journey. We are committed not only to serving our members but also to giving back to the community through various outreach programs and partnerships. This spirit of cooperation lies at the heart of what we do; it's about making a positive impact on people's lives. In addition to traditional banking services, we offer modern conveniences such as online banking and mobile payments. We ensure ADA compliance so that all members can comfortably access our services. With features like ATM availability and drive-thru banking options at our branch, we strive for customer convenience every day.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is crucial for all our members. Our branch complies with ADA standards, ensuring that everyone can enter without any hassle. Plus, we offer ample parking space right outside the building for your convenience.

Convenient Location

Situated near local landmarks, our branch is easy to find. If you're coming from the heart of Low Moor, just follow Westvaco Road, and you'll spot us quickly. We pride ourselves on being part of this vibrant community in Alleghany County.

Get in Touch

Have questions? Feel free to give us a call at 540-862-3763. Our team looks forward to welcoming you at Jackson River Community Credit Union your trusted partner in financial success!

Operating Hours

Our friendly staff is available to assist you Monday through Friday from 9 AM to 5 PM. These hours are designed to fit into your busy schedule so you can get the services you need when it's most convenient for you.

Services Offered

At Jackson River Community Credit Union, we provide a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. For those quick transactions, take advantage of our drive-thru service or visit our ATM on-site for easy cash withdrawals and balance checks. While members can visit us at Westvaco Road, official correspondence should be sent to our mailing address at 347 North Court Avenue in Covington, VA.

Member Eligibility

At Jackson River Community, we believe that becoming a member means joining a welcoming community where your financial well-being is our top priority. If you're looking to enjoy the benefits of personalized banking, you're in the right place! To become a member, you just need to meet some simple eligibility criteria. Generally, we welcome individuals who live, work, or worship in the area surrounding our branch at Westvaco Road Low Moor Va 24457. This means that many of your friends and neighbors might already be part of our family! For more specific details about eligibility requirements. Getting started is easy! You can open an account by visiting us or through our online application process available at https://www.mobicint.net/jrc/autoenrollment/start. If you have any questions or need assistance, don't hesitate to call us at (540) 862-3763. We're here to help you every step of the way as you take this exciting step toward better banking with Jackson River Community!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced environment, efficient payment solutions are crucial. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Imagine being able to accept payments easily from your customers while keeping track of sales effortlessly. That's what we aim to provide, helping you streamline operations and enhance customer satisfaction. If you're ready to take your business to the next level, visit us at Jackson River Community in Low Moor, VA, or give us a call at (540) 862-3763. Let's explore how we can support your journey towards success!

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

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options make it easier than ever. We provide competitive rates and flexible terms that can fit any budget. Picture yourself driving off in that new vehicle without the stress of high payments weighing you down.

Business Banking

For local entrepreneurs, our Business Banking services include merchant services and business loans designed to support small businesses' growth. We take pride in helping our community thrive by providing personalized banking solutions tailored for business owners.

Convenient Access

At Jackson River Community, convenience is key. Our ATM & Cash Withdrawal Services allow you easy access to cash whenever you need it. Plus, our basic drive-thru banking means you can handle deposits and withdrawals without leaving your car perfect for busy days! In today's fast-paced world, we recognize that managing finances digitally is crucial. That's why we offer robust online and mobile banking capabilities along with person-to-person payment options to simplify transactions between friends and family. If you're ready to experience all that we have to offer or if you have any questions about our services, don't hesitate to reach out! Call us at (540) 862-3763 or visit us in person during our lobby hours from Monday through Friday, 9 AM to 5 PM. We look forward to assisting you on your financial journey! Visit us online at http://www.jrccu.org for more information about all our offerings!

Credit Cards with Rewards

Make everyday purchases rewarding with our Credit Cards with Rewards program! Use them for shopping, dining, or travel and earn points that can be redeemed for exciting rewards. It's a simple way to get more out of your spending.

Mortgage Loans & Refinancing

For those considering homeownership or refinancing their current mortgage, we offer comprehensive Mortgage Loans & Refinancing services. With expert guidance from our team, you'll navigate the process smoothly and find the best rates available in the market.

Personal Banking

We understand that managing personal finances can be overwhelming. That's why we offer Personal Banking solutions, including checking and savings accounts tailored to fit your lifestyle. With our online and mobile banking features, you can easily access your accounts from anywhere, making it simple to keep track of your finances on the go. Imagine being able to check your balance or transfer funds right from your phone while waiting in line at the grocery store!

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options are here to help you manage those costs effectively. Whether it's an emergency repair or consolidating existing debts into one manageable payment, we've got you covered.

Digital & Online Banking

Key Features of Our Online Banking Services

Our online banking platform, which you can explore at http://www.jrccu.org, offers a wealth of features to simplify your banking experience. Whether you're checking your balance, paying bills, or transferring money, everything is right at your fingertips. You can securely log in 24/7 to monitor your accounts and keep track of your spending. One of the standout features is our electronic signature authorization. This means you can complete transactions without the hassle of printing or mailing documents just sign electronically and you're all set! Plus, with e-statements available, you can go green by opting for digital statements instead of paper ones. No more cluttered mailboxes!

Mobile Banking Made Easy

In today's fast-paced world, being able to bank on the go is essential. That's why we offer a mobile application that lets you manage your finances right from your smartphone. Not only can you check balances and transfer funds, but our app also supports mobile payments. You can pay bills or make purchases quickly and safely all from the palm of your hand. Additionally, our person-to-person transfer feature allows you to send money easily to friends or family without needing cash or checks. Need to split a bill? Just use our secure service to send funds instantly! With all these tools combined, managing your money has never been easier or more secure at Jackson River Community. Join us today and take advantage of our digital banking solutions that cater to your lifestyle!

Financial Strength

Commitment to Our Members

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. This commitment reflects our dedication to fostering a supportive environment for your financial journey.

Dedicated Team

We also take pride in having 16 full-time employees who are always ready to assist you with their knowledge and commitment to your needs. Although there are no part-time employees at this branch, every team member is dedicated to making your experience positive.

Growing Member Base

Our total share accounts stand at 12,731, showcasing 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, Jackson River Community is your trusted partner. Visit us at Westvaco Road Low Moor Va 24457 or call (540) 862-3763 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.*

Lending Opportunities

We are proud to support our community with $1,600 in used auto loans and $50,911,025 in total loans and leases. Our lending capacity supports members' financial goals across various sectors, whether you're looking to purchase a vehicle or consolidate debt.

Member-Centric Savings

Members' savings are secured through $13,574,054 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have no money market shares, our focus remains on maximizing the benefits for our members through thoughtful product offerings.

Operational Efficiency

Our operational efficiency is reflected in our $759,767, enabling us to continue offering competitive loan rates and solid financial products for our members.

Reinvestment in Services

With $1,251,647 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This strategy ensures that your funds contribute directly to improving the quality of services we provide.

Solid Financial Foundation

With a net worth of $16,605,378, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.38% 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 $32,000 in total auto loans already helping members get on the road. We provide competitive financing for both new and used vehicles. Our new vehicle loans total $10,687,884, while our used vehicle loans amount to $32,295,558. No matter your choice of vehicle, we have the right loan option for you.

Credit Lines

For those who need more flexible borrowing options, our total credit lines reach up to $19,208,600. This allows you to access funds as needed without the hassle of reapplying each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $73,438. This is a great opportunity for those looking to invest in their future and secure a place they can call home.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, our knowledgeable team is ready to assist you in finding the best solutions tailored to your situation. Located at Westvaco Road Low Moor Va 24457, you can reach us at 540-862-3763 during our lobby hours from Monday through Friday between 9 AM and 5 PM. We're dedicated to providing exceptional service and support throughout your borrowing journey. 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 invite you to visit us or check out our website at www.jrccu.org for more information about our loan offerings and how we can help you achieve your financial dreams!

Unsecured Credit Card Loans

Managing day-to-day expenses? We also offer flexible terms on unsecured credit card loans, with a total of $336,361 in loans helping members manage their finances effectively. With straightforward repayment options and no collateral required, it's easier than ever to stay on top of your spending.

Loan Aggregator

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Ensuring Accurate 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 that all loan offers are fair and transparent. Each financial institution featured on LendMesh has been vetted for compliance, giving users confidence in the information presented.

JACKSON RIVER COMMUNITY CREDIT UNION - Low Moor, VA

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