Jamestown Area Community Credit Union Lakewood NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Jamestown Area Community, your trusted partner in financial growth since 1940. Located at 121 Chautauqua Ave, Lakewood, NY 14750, we are proud to serve our vibrant community with a range of personalized banking services. Our commitment to our members is reflected in our impressive total assets of $78,723,744 and total deposits of $9,216,053. With a membership base of over 6,286, we have cultivated a strong community spirit that prioritizes your financial well-being. At Jamestown Area Community, led by our dedicated CEO Vicky Burdick and Board President Steven Maggio, we strive to provide services that meet the unique needs of each member. Whether you're looking for checking and savings accounts, auto loans, mortgage financing, or business banking solutions, we have you covered. We understand that every member's journey is different, and we are here to support you every step of the way. While members can visit us at our Lakewood branch for all their banking needs, official correspondence should be sent to our mailing address at 181 E Fairmount Ave, Lakewood, NY 14750. Our friendly staff is ready to assist you during our convenient hours: Monday through Wednesday from 9:00 AM to 4:30 PM, Thursday and Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to NOON. Join us as we continue to grow together! With total loans reaching 2,384 and cash in hand amounting to $819,250, we are well-equipped to help you achieve your financial goals. Feel free to reach out at 716-763-3642 or visit us online at www.jacfcu.org for more information on how we can help you thrive financially. Your success is our mission!

Branch History & Mission

Community First

Our roots run deep in the community, and we take pride in being involved in local outreach efforts. We actively seek partnerships with local organizations to support initiatives that enhance the quality of life in Lakewood. This spirit of collaboration fuels our passion for helping others, whether through financial literacy programs or direct assistance for those in need. While members can visit us at 121 Chautauqua Ave Lakewood Ny 14750, official correspondence should be sent to 181 E Fairmount Ave, Lakewood, NY 14750 if it differs from our physical location. Our branch operates with convenient hours: Monday through Wednesday from 9:00 AM to 4:30 PM, Thursday and Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM until noon. We also offer ATM access and drive-thru banking services for those who prefer quick transactions without leaving their vehicles.

Join Us Today!

As we continue our journey forward, we invite you to become part of the Jamestown Area Community family. Discover how we can help you achieve your financial goals while contributing positively to the community around us. Feel free to reach out at (716) 763-3642 or visit us online at https://www.jacfcu.org/ for more information on membership eligibility and account openings. Together, let's build a brighter future!

Our Commitment to You

At Jamestown Area Community, we are dedicated to providing a range of services that cater to your needs from personal banking options like checking and savings accounts to auto loans and mortgages. We also offer credit cards with rewards, ensuring that every financial decision you make brings value back to you. Our commitment extends beyond traditional banking; we have embraced modern technology by offering online and mobile banking services, making it easier than ever for you to manage your finances on-the-go.

Branch Location & Accessibility

Easy Access and Parking

Our branch offers ample parking for members, so you won't have to worry about finding a spot when you visit. We prioritize accessibility for all our members; our facility is ADA compliant and features ramps for easy entry.

Operating Hours

We know your time is valuable, which is why we offer flexible operating hours. You can visit us Monday through Wednesday from 9:00 AM to 4:30 PM, Thursday and Friday from 9:00 AM to 5:00 PM, and Saturday mornings from 9:00 AM to noon. We're here to help make your banking experience as smooth as possible.

Services Offered

At the Jamestown Area Community branch, we provide a variety of services tailored to meet your personal banking needs. From checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is ready to assist you. Enjoy the convenience of drive-thru banking for simple transactions or use our ATM for quick cash withdrawals or balance checks. Whether you're looking to open an account or get advice on loans, feel free to give us a call at 716-763-3642 or stop by during our hours of operation. We look forward to welcoming you into our community!

Member Eligibility

Joining the Jamestown Area Community is like stepping into a supportive family that's dedicated to your financial well-being. To become a member, you simply need to meet a few welcoming eligibility criteria, which primarily focus on living, working, or worshipping in the Chautauqua County area. This means if you are part of our vibrant community, you're likely already qualified! Embracing membership opens up a world of benefits, from personalized banking services to competitive loan rates and access to online banking features. If you're ready to take the next step and open your account, it's as easy as visiting us at 121 Chautauqua Ave, Lakewood, NY 14750 or giving us a call at 716-763-3642 for any questions. You can find detailed eligibility information on our website at https://www.jacfcu.org/membership.html. Once you're ready to join, just follow the instructions provided at this link to start your application process. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Lending Options for Growth

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 That Matter

In addition to loans, our merchant services simplify transactions, allowing you to focus on what you do best running your business. From easy payment processing to online banking tools, our services are designed with your success in mind. Located at 121 Chautauqua Ave Lakewood Ny 14750 in Lakewood, NY, we're just a phone call away at (716) 763-3642. Let us help you take the next step in your business journey!

Comprehensive List Of Services

Business Banking Support

For entrepreneurs and small business owners, we offer comprehensive business banking services, including merchant services and business loans. These resources can help you manage cash flow and expand your operations effectively.

Credit Card Benefits

Don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases. It's a great way to save while spending!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Jacfcu_ Lakewood, we prioritize digital banking features such as online and mobile banking. You can easily access your accounts from anywhere, make transactions, pay bills, and even transfer money using our user-friendly mobile app. We also provide ATM services for quick cash withdrawals, along with basic drive-thru banking for deposits, withdrawals, and simple transactions. Our ATMs are available to ensure that accessing your funds is hassle-free.

Local Accessibility

Located at 121 Chautauqua Ave Lakewood Ny 14750, we welcome you during our convenient operating hours: Monday through Wednesday from 9:00 AM to 4:30 PM; Thursday and Friday from 9:00 AM to 5:00 PM; and Saturday from 9:00 AM until noon. You can reach us at (716) 763-3642 if you have any questions or need assistance. At Jamestown Area Community, we strive to be more than just a credit union; we want to be your trusted financial partner. Explore all that we have to offer by visiting us online at https://www.jacfcu.org/. We look forward to helping you achieve your financial goals!

Personal Banking Solutions

When it comes to managing your finances, our personal banking services are designed with you in mind. We offer checking and savings accounts that help you keep your money safe while earning interest. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can get you on the road quickly with competitive rates and flexible terms. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services simplify the process, making it easier for you to secure your dream home. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation options provide financial relief.

Digital & Online Banking

Convenient Online Services

With our online banking platform, accessible at https://www.jacfcu.org/, you can take control of your accounts from anywhere, at any time. Whether you're checking your balance, paying bills, or transferring funds, our 24/7 online banking services make it simple and straightforward.

Mobile Banking at Your Fingertips

For those on the go, our mobile application offers all the convenience of online banking right from your smartphone. You can make mobile payments, send money to friends with person-to-person transfers, and even access e-statements all from the palm of your hand!

Real-Time Account Management

Stay updated with real-time notifications about your account activity. Our user-friendly platform ensures you never miss a beat when it comes to your finances. With features like mobile payments and the ability to view e-statements, managing your money has never been easier. At Jamestown Area Community, we are committed to making banking as accessible as possible for all our members. Explore all that our digital services have to offer today!

Security and Ease of Use

Your security is our top priority. We use advanced encryption technology to protect your personal information. Plus, with electronic signature authorization available, signing documents is quick and hassle-free. You can manage your accounts with confidence knowing that we have your back.

Financial Strength

At Jamestown Area Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. 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. Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,894,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $6,480,368 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals with $19,964 in used auto loans and a total of $46,791,269 in loans and leases across various sectors. Our net income of $0 reflects our operational efficiency during this period. We also take pride in having 19 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at an impressive 12,002, showing 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, Jamestown Area Community is your trusted partner. Visit us at 121 Chautauqua Ave Lakewood Ny 14750 or call 716-763-3642 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.

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 a brand-new model or a reliable used vehicle, we have options that fit your budget and lifestyle.

Credit Lines

For those needing extra flexibility in their finances, our credit lines amounting to $2,410,000 can provide the necessary support for unexpected expenses or planned projects. At Jamestown Area Community located at 121 Chautauqua Ave Lakewood NY 14750, our dedicated team is here to assist you every step of the way. You can reach us at (716) 763-3642 for any inquiries or assistance regarding our loan products. We invite you to explore your options today! For more information about eligibility and how to apply for a loan, visit our website or check out our membership details here. Remember that 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 towards achieving your financial dreams!

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. We provide competitive rates and flexible terms to help you navigate the journey to owning your home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While we currently do not have any outstanding unsecured credit card loans, our goal is to help members manage their finances effectively through various lending solutions.

Loan Aggregator

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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 means you can trust that the offers presented are fair and transparent. Each lender featured has been vetted to ensure compliance with regulatory guidelines, which adds an extra layer of reliability to the comparison process.

JAMESTOWN AREA COMMUNITY FEDERAL CREDIT UNION - Lakewood, NY

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