Jamestown Area Community Credit Union NY | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to Jamestown Area Community, your trusted partner in financial well-being since 1940. Located at 915 E 2Nd St, Jamestown, NY 14701, we are dedicated to serving our community with a range of banking solutions tailored to meet your needs. With over 6,286 members and total assets exceeding $78,723,744, we pride ourselves on being more than just a credit union; we're a vital part of your financial journey. At Jamestown Area Community, we understand the importance of personalized service. Our team is committed to helping you navigate your financial goals whether it's opening a checking account, securing an auto loan, or exploring mortgage options. Under the leadership of our CEO, Vicky Burdick, and Board President, Steven Maggio, we strive to foster an environment where every member feels valued and supported. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 915 E 2ND ST, Jamestown, NY 14701. You can reach us easily by phone at 716-483-1650 or send a fax to 716-483-2046. We are proud to offer a variety of services including personal banking accounts, auto loans, mortgage financing, and business banking options all designed with you in mind. With total deposits amounting to $9,216,053 and cash in hand of $819,250, our financial health allows us to provide competitive rates and reliable service. Join us today and experience the difference that comes from being a member of Jamestown Area Community. Visit our website at https://www.jacfcu.org for more information or stop by our branch during lobby hours from 9:00 AM to 4:30 PM (Mon-Wed) and 9:00 AM to 5:00 PM (Thurs-Fri). We look forward to welcoming you into our community!

Branch History & Mission

Commitment to Innovation

As technology evolves, so do we. Our digital advancements allow you to manage your finances easily through online banking, mobile payments, and person-to-person transfers. We're dedicated to making banking convenient and accessible for everyone while ensuring ADA compliance.

Community Connections

We take pride in our partnerships with local organizations and initiatives aimed at improving financial literacy and supporting those in need within Jamestown. From sponsoring local events to offering workshops on budgeting and saving, we're always looking for ways to give back. Join us on this journey! At Jamestown Area Community, you're not just another member; you're part of a family dedicated to uplifting one another. Experience firsthand how we can help you reach your financial goals today! For more information or assistance, call us at 716-483-1650 or visit our website at https://www.jacfcu.org.

Mission Statement

At Jamestown Area Community, our mission is simple yet profound: We aim to empower our members by providing personalized financial solutions while actively supporting local initiatives that enhance the quality of life in our community. We believe that by investing in people and neighborhoods, we can create lasting positive change. Our services go beyond just banking; we are here to help you achieve your dreams whether it's buying your first home or starting a new business. While members can visit us at 915 E 2Nd St for all their banking needs, official correspondence should be sent to the same address.

Our Story

Jamestown Area Community was founded with a mission to provide accessible financial services to the people of Jamestown and surrounding areas. Over the decades, we have embraced growth and innovation while maintaining our core values of trust and service. As we evolved, we've expanded our offerings to include personal banking, auto loans, mortgage loans, business banking services, and more. Our commitment to adapting to the needs of our community has allowed us to thrive and support countless families and businesses. Our headquarters remain in Jamestown, ensuring that we stay close to the communities we serve. We are proud to be recognized for our dedication to customer service and community outreach initiatives that make a real difference in people's lives.

Branch Location & Accessibility

Come Visit Us!

We invite you to drop by and discover how we can support your financial journey. From checking and savings accounts to auto loans and mortgage financing, we have a variety of services tailored for you. Your community credit union is here to help come see us today!

Convenient Access and Features

At our branch, accessibility is a priority. We offer ample parking and are proud to be ADA compliant, ensuring everyone can access our services without hassle. Though we don't have a drive-thru or ATM on-site, our dedicated team is ready to assist you inside during our welcoming hours. You can visit us from 9:00 AM to 4:30 PM Monday through Wednesday and until 5:00 PM on Thursday and Friday. We aim to accommodate your schedule so that you can manage your finances with ease.

Stay Connected

If you need assistance outside of your visit, don't hesitate to give us a call at 716-483-1650. Our friendly staff is eager to help with any inquiries about our services or account management. While members can visit us at our physical location, please note that official correspondence should be sent to the same address: 915 E 2ND ST, Jamestown, NY 14701.

Member Eligibility

At Jamestown Area Community, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is easy and welcoming! If you live, work, or worship in Chautauqua County, or if you're a family member of an existing member, you're already eligible to join us. We're here to offer you personalized financial services and a sense of belonging that larger banks just can't provide. You can find more detailed eligibility criteria on our website at https://www.jacfcu.org/membership.html. Joining is simple! Just head over to our account opening page at https://my.homecu.net/fi/jacfcu/secure-forms/loan-application.html to get started on your journey with us. If you have any questions or need assistance, feel free to reach out to us at (716) 483-1650. We're excited to welcome you to the Jamestown Area Community family!

Business Banking & Commercial Services

Loan Options Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans issued, we are dedicated to providing flexible financing solutions when you need them. This means that when your business is ready to take that next step, we'll be here to help make it happen.

Merchant Services That Work for You

In today's fast-paced market, effective merchant services can make a significant difference. Picture this: you're at a busy trade show, and potential customers want to buy your products on the spot. Our merchant services streamline transactions so you can focus on what matters growing your business. With tools that simplify payments and enhance customer experiences, we empower you to manage your finances with ease. Ready to learn more? Visit us at 915 E 2Nd St Jamestown Ny 14701 in Jamestown, NY, or give us a call at (716) 483-1650. Let's work together to elevate your business!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer Business Banking solutions that cater to your specific needs. With Merchant Services and Business Loans available, we help you manage cash flow and grow your enterprise effectively.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features like Online & Mobile Banking that allow you to manage your accounts anytime, anywhere. You can access account information, transfer funds, and pay bills with just a few taps on your smartphone. Additionally, our ATM & Cash Withdrawal Services ensure that you have easy access to cash when you need it. At Jamestown Area Community, we believe that everyone deserves financial security and the tools to achieve their goals. Whether you're just starting out or looking to expand your financial portfolio, we're here for you every step of the way. If you'd like to learn more about how we can assist with your financial journey or if you have any questions about our services, please don't hesitate to reach out at (716) 483-1650. Join us at Jamestown Area Community Fcu and experience the difference of community-focused banking today!

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why we offer comprehensive personal banking solutions, including Checking & Savings Accounts that help you keep track of your money effortlessly. Need funds for a new car? Our Auto Loans & Vehicle Financing options are designed to fit your budget with competitive rates and flexible terms. If you're considering homeownership or looking to refinance, our Mortgage Loans & Refinancing services provide the support you need every step of the way. If life throws unexpected expenses your way, don't worry! Our Personal Loans & Debt Consolidation services can assist you in regaining control over your finances. Plus, for those who love rewards, our Credit Cards with Rewards program lets you earn while you spend.

Digital & Online Banking

Key Features

With online banking, you can check your balance, transfer funds, and pay bills with just a few clicks. Our electronic signature authorization makes it easy to sign documents securely from anywhere, eliminating the need for printing and mailing. Plus, we provide e-statements so you can keep track of your transactions without the clutter of paper statements. For those who prefer mobile banking, our mobile application lets you manage your account right from your smartphone. You can even make mobile payments and send money to friends or family using our person-to-person transfer feature. It's simple and quick perfect for when you're out and about!

Security and Support

We prioritize your security with advanced encryption methods to protect your personal information. Our digital services are designed with ease of use in mind, so you can navigate effortlessly while keeping your data safe. At Jamestown Area Community, we believe that financial management should be accessible to everyone. With our innovative digital banking tools, you have real-time access to your accounts whenever you need it. Join us in embracing modern banking solutions that fit seamlessly into your lifestyle!

Financial Strength

A Growing Member Base

We're proud to have served 6,286 members, showcasing a strong and growing base that trusts us with their finances. Together with our commitment to operational efficiency reflected by a net income of $0 we can continue offering competitive loan rates and solid financial products tailored for your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Jamestown Area Community is your trusted partner. Visit us at 915 E 2Nd St Jamestown NY 14701 or call 716-483-1650 to learn more about how we can help you achieve your financial goals.

A Team You Can Trust

Our dedicated team consists of 19 full-time employees and 3 part-time employees, all committed to providing you with exceptional service. Whether you're visiting us at our branch located at 915 E 2Nd St Jamestown NY 14701 or reaching out by phone at 716-483-1650, rest assured that knowledgeable staff are always ready to assist you.

Commitment to Stability

With a net worth of $7,112,268, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 903 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Investing in Your Future

We believe in reinvesting in our community and our members. With $6,480,368 in undivided earnings, we fund innovative banking tools and stronger lending options while enhancing security measures to serve you better. Our lending capacity is robust as well; we currently have $46,791,269 in total loans and leases supporting your financial goals across various sectors.

Secure Savings for Members

Your savings are our priority. While we currently have no share certificates or money market shares available, we still focus on providing safe and rewarding financial growth opportunities for our members. Unlike traditional banks, we prioritize our members over profits. With $1,894,000 in non-member deposits, we ensure that our resources are dedicated to benefiting you through better loan rates and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $14,689,182 in used vehicle loans and $12,046,875 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new model or a reliable used vehicle, we make the process straightforward and accessible.

Credit Lines and Personal Financing

For those needing additional flexibility, we provide credit lines totaling $2,410,000. These lines can serve as a safety net for unexpected expenses or planned purchases. Additionally, we have flexible terms on unsecured credit card loans, which help members manage their finances effectively though currently, there are no outstanding unsecured credit card loans available. At Jamestown Area Community, we also recognize that situations change. If you're considering refinancing your current loan or exploring eligibility options for our various products, please don't hesitate to reach out. We're committed to finding solutions that work best for you. You can contact us at (716) 483-1650 during our operating hours from 9:00 AM to 4:30 PM Monday through Wednesday and 9:00 AM to 5:00 PM on Thursdays and Fridays. For more details about our services or to start your application today, visit our website at https://www.jacfcu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Jamestown Area Community, we are dedicated to supporting our members with transparent information and reliable financial products tailored to meet your unique needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $728,770, make buying or refinancing simple. Our team is ready to guide you through every step of the mortgage process so you can feel confident in your decision.

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 ensures that users receive fair and transparent offers, grounded in reliable information. Every lender featured on LendMesh has been thoroughly vetted, which means users can trust the accuracy of the loan comparisons presented.