Jamestown Area Community Credit Union Panama NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Jamestown Area Community at 1 E Main St, Panama, NY 14767! Since our establishment in 1940, we have proudly served our community with a commitment to financial well-being and personalized service. With a total membership of over 6,286 individuals, we are more than just a credit union; we are a trusted partner in your financial journey. Our assets currently stand at an impressive $78,723,744, and we have loaned out 2,384 loans to help our members achieve their goals. From auto loans to mortgage financing, we offer a variety of products tailored to meet your needs. With total deposits of $9,216,053, our members' trust is reflected in every dollar. At Jamestown Area Community, we understand the importance of community impact. Under the leadership of our dedicated CEO, Vicky Burdick, and Board President Steven Maggio, we strive to create a positive difference in the lives of our members. Our team of 22 employees is here to assist you with services that include personal banking, online banking options, and competitive loan offerings. While you can visit us at our branch for face-to-face interactions during lobby hours from 8:30 AM to 4:00 PM, official correspondence should be sent to the same address: 1 E Main St, Panama, NY 14767. Ready to take your financial future into your own hands? We invite you to explore our services further by visiting us online at jacfcu.org or giving us a call at 716-782-2336. Let's work together towards achieving your financial dreams!

Branch History & Mission

Welcome to the Jamestown Area Community, located at 1 E Main St in beautiful Panama, NY. Since our founding in 1940, we have been dedicated to serving our members and the community with a strong commitment to financial growth and support. With a rich history spanning over eight decades, we have evolved alongside our members, ensuring that we provide the services they need to thrive. From our humble beginnings, we have grown to welcome over 6,286 members and manage total assets of approximately $78,723,744. This growth reflects not only our dedication to outstanding service but also the trust placed in us by the community we serve. Our mission is clear: we strive to empower individuals and families through accessible financial services while fostering a spirit of cooperation and community support. At Jamestown Area Community, we believe that banking should be personal. Our team is here to guide you through various offerings such as checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. We also prioritize digital advancements by providing online banking and mobile payment options for your convenience. While members can visit us at 1 E Main St Panama NY 14767 for all their banking needs, official correspondence should be sent to the same address. We are committed to ensuring that every visit is welcoming and accessible; therefore, our branch complies with ADA standards for all members. In addition to traditional banking services, we actively engage in community outreach initiatives. Partnering with local organizations allows us to give back and make a positive impact on those around us. Our drive-thru service may not be available currently, but we do offer ATM access for quick cash withdrawals. As you explore what Jamestown Area Community has to offer, remember that we're more than just a credit union; we're a part of your community's fabric. Whether you're looking for your first loan or seeking advice on financial management, our knowledgeable staff is ready to assist you. Join us today and experience firsthand the benefits of being a member of Jamestown Area Community! For any questions or assistance, feel free to call us at 716-782-2336 during our operating hours from Monday through Friday between 8:30 AM and 4:00 PM. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At our Panama branch, we prioritize accessibility for all members. Our facilities are designed to be welcoming and ADA compliant, featuring ramps and ample parking for your convenience. We want everyone to feel comfortable while they visit us.

Connect With Us

Have questions or need assistance? Don't hesitate to give us a call at 716-782-2336. Our dedicated staff is ready to help you with all your banking needs. We invite you to come visit us at Jacfcu - Panama today!

Operating Hours

We know your time is valuable, which is why our doors are open Monday through Friday from 8:30 AM to 4:00 PM. Stop by during these hours for personal service that meets your needs!

Services Offered

Our branch offers a variety of services tailored just for you! From personal checking and savings accounts to auto loans and mortgage refinancing, we have everything covered. Plus, enjoy the ease of online and mobile banking options whenever you need them. For those on the go, we provide ATM services right here at our location, making cash withdrawals quick and hassle-free. While we don't have a drive-thru service available at this branch, our friendly team is always eager to assist you inside.

Member Eligibility

Becoming a member of Jamestown Area Community is like joining a family that truly cares about your financial well-being. Located at 1 E Main St Panama Ny 14767, we welcome individuals who live, work, or worship in our community, making it easy for you to become part of our supportive network. Whether you're looking for personal banking services, loans, or just a friendly place to manage your finances, we have something special for everyone. To find out if you're eligible, check out the details on our website at https://www.jacfcu.org/membership.html. We believe that everyone deserves access to quality financial services without the red tape. If you're ready to open an account and start enjoying the benefits of membership, visit us online at https://my.homecu.net/fi/jacfcu/secure-forms/loan-application.html or give us a call at (716) 782-2336. We can't wait to welcome you!

Business Banking & Commercial Services

Commercial 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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to diverse business requirements. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools to streamline your transactions and enhance customer satisfaction. Our merchant services offer just that allowing you to accept payments easily and efficiently. Whether it's setting up point-of-sale systems or online payment gateways, we equip you with everything you need to keep your cash flow steady and your customers happy. Visit us at 1 E Main St Panama Ny 14767 in Panama, NY, or give us a call at (716) 782-2336 to discover how our business banking and commercial services can empower your business journey.

Comprehensive List Of Services

Convenient Online Services

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features so you can bank anytime, anywhere. With services like ATM and cash withdrawal, you can access your funds when you need them most without any hassle. Don't forget about our basic ATM access for withdrawals and balance checks, ensuring that even when you're on the go, your finances are just a tap away.

Flexible Lending Options

Need some extra cash? Our personal loans and debt consolidation options can help ease financial burdens by combining multiple payments into one manageable loan. If you like rewards, check out our credit cards with rewards that offer points on purchases, making your spending work for you. For business owners, we also provide specialized services through our business banking solutions, which include merchant services and business loans designed to fuel your growth.

Join Us Today!

At Jamestown Area Community, we believe in empowering our members with the tools they need to succeed financially. With friendly staff ready to assist you at every turn, we invite you to visit us at 1 E Main St Panama Ny 14767 or give us a call at (716) 782-2336 during our operating hours from Monday to Friday, 8:30 AM - 4:00 PM. Ready to take the next step? Explore all the ways we can support your financial journey by visiting us online at Jacfcu - Panama. We look forward to serving you!

Personal Banking Made Easy

Our personal banking services are designed with you in mind. With our checking and savings accounts, managing your money is simple and efficient. Imagine easily accessing your funds online or through our mobile app while enjoying competitive interest rates that help your savings grow. If you're considering purchasing a new car, our auto loans and vehicle financing options can make that dream a reality. We offer flexible terms and competitive rates that fit your budget. Plus, if you're thinking about buying a home, our mortgage loans and refinancing services provide the support you need every step of the way.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform is user-friendly and packed with features that make managing your money simpler. You can sign documents electronically with our Electronic Signature Authorization feature, which saves you time and allows for quick transactions without the hassle of paperwork. Plus, if you prefer to go green, our E-Statements availability means you can receive your account statements digitally. Need to send money to a friend? Our Person-to-Person Transfers allow you to quickly send funds directly from your account using just their email or phone number no need for cash or checks. And with our Mobile Payments feature, paying for purchases has never been easier. Simply link your accounts through our mobile application, available on both Android and iOS devices.

Security and Accessibility

Security is a top priority at Jamestown Area Community. Our online banking system uses advanced encryption technology to keep your information safe while giving you peace of mind as you manage your finances. Whether you're using our mobile app or logging in from a computer, you can trust that your data is protected. Managing your accounts has never been more accessible. With real-time updates and instant notifications about your transactions, you'll always know where your money is going. Plus, our intuitive interface ensures that even those who aren't tech-savvy can navigate through their accounts with ease. In summary, digital banking at Jamestown Area Community combines convenience with security so that you can focus on what matters most your financial well-being. Explore all our services today by visiting https://www.jacfcu.org/!

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. We are proud of our strong financial foundation, which is designed to support you and your financial goals. 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 your financial goals across various sectors with $9,820 in used auto loans and $46,791,269 in total loans and leases. Our operational efficiency is reflected in our $0 net income, enabling us to continue offering competitive loan rates and solid financial products for our members. 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 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 1 E Main St Panama Ny 14767 or call 716-782-2336 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. We provide flexible terms and competitive interest rates that make it easy for you to get behind the wheel of your next vehicle.

Credit Lines

In addition to traditional loans, we offer credit lines totaling $2,410,000. This can be a smart way to access funds when needed without the pressure of fixed payments until you use the credit. It's an excellent choice for those who want flexibility in managing their finances. If you're interested in refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. You can contact us at (716) 782-2336 or visit us at our branch located at 1 E Main St Panama Ny 14767 in Panama, NY. 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 here to help you navigate your financial journey with confidence!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $728,770, make buying or refinancing simple. We work closely with our members to provide guidance throughout the process and ensure that you find a mortgage solution that fits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans to help you manage your finances effectively. While currently we have $0 in unsecured credit card loans issued, our commitment to providing solutions means we are always here to discuss options that can work for you.

Loan Aggregator

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