Jamestown Area Community Credit Union Randolph NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Jamestown Area Community, your trusted partner in financial well-being, located at 71 Main St, Randolph, NY 14772. Established in 1940, we have been serving our community for over 80 years, committed to providing personalized banking solutions that fit your unique needs. With a strong membership base of 6,286 individuals and total assets reaching an impressive $78,723,744, our focus remains on delivering exceptional service while helping you achieve your financial goals. Under the leadership of our dedicated CEO, Vicky Burdick, and Board President, Steven Maggio, we pride ourselves on fostering a welcoming environment where members can feel secure and valued. Our team of 22 employees is always ready to assist you with a wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. While you can visit us at our branch location for your banking needs, please note that any official correspondence should be directed to our mailing address if it differs from our physical location. Your convenience is essential to us! At Jamestown Area Community, we understand the importance of community impact. With total deposits of $9,216,053 and net worth standing at $7,112,268, we are not just about numbers; we're about building relationships. Our commitment extends beyond transactions as we strive to be an integral part of your financial journey. We invite you to explore what we have to offer by visiting our website at jacfcu.org or by giving us a call at 716-358-9326. Whether you have questions about opening an account or need assistance with loans, our friendly staff is here to help. Join us today and discover the benefits of being part of the Jamestown Area Community!

Branch History & Mission

A Legacy of Growth

Since opening our doors, Jamestown Area Community has evolved significantly. With a total asset base of $78,723,744, we have consistently prioritized the needs of our members while adapting to the changing financial landscape. Our branch has maintained a dedicated team of 22 employees who are committed to providing personalized service and fostering lasting relationships with our members. Over the years, we have embraced modern banking practices while keeping our community values at the forefront. We offer a range of services, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our commitment extends beyond just banking; we aim to empower our members through education and outreach programs that strengthen our community ties.

Community Engagement

We take pride in actively engaging with local organizations and initiatives that promote community development. From educational workshops to sponsorships of local events, Jamestown Area Community is dedicated to giving back and making a positive impact in Randolph and surrounding areas. As we look toward the future, we invite you to join us on this journey. Experience the benefits of being part of an institution that genuinely cares about your financial success and community well-being. Visit us today or explore more about membership opportunities on our website at Jamestown Area Community. Together, let's build a stronger community!

Our Mission

The mission of Jamestown Area Community is simple yet impactful: to provide affordable financial services while supporting the well-being of our local community. We believe that when individuals thrive financially, the entire community benefits. This mission drives us to ensure accessible banking options for everyone whether through our ATM availability or drive-thru services. While you can visit us at 71 Main St for your banking needs, official correspondence should be sent to our mailing address if it differs from our branch location. Our operating hours are designed to accommodate busy schedules: Monday through Wednesday from 9:00 AM to 4:00 PM; Thursday from 9:00 AM to 5:00 PM; Friday from 9:00 AM to 5:30 PM; and Saturday from 9:00 AM to noon.

Branch Location & Accessibility

Welcome to the Jamestown Area Community branch, your friendly neighborhood credit union located at 71 Main St, Randolph, NY 14772. We're here to serve you with convenience and care in the heart of Cattaraugus County. Whether you're coming from nearby landmarks like the charming Randolph Park or the local schools, finding us is a breeze. We understand that accessibility matters. Our branch is designed to welcome everyone, featuring ADA-compliant entrances and ramps for easy access. You'll also find ample parking right outside our doors, making your visit as smooth as possible. At our branch, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, if you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your car. Our operating hours are designed for your convenience: we're open Monday through Wednesday from 9:00 AM to 4:00 PM, Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday mornings from 9:00 AM to noon. This means you can easily find a time that fits your busy schedule. If you have any questions or need assistance while visiting us at the branch, feel free to reach out at 716-358-9326. We invite you to stop by and see how we can help you with your financial journey!

Member Eligibility

Joining the Jamestown Area Community is like becoming part of a welcoming family that truly cares about your financial well-being. To become a member of our community, you simply need to meet a few friendly criteria. If you live, work, worship, or attend school in Chautauqua County or have a family member who is already a member, you're eligible to join us! This means more than just banking; it's about being part of a supportive network that prioritizes your needs. Plus, as a member of Jamestown Area Community, you'll enjoy access to personalized services and competitive rates that make managing your finances easier. Getting started is straightforward! You can find detailed eligibility information on our website at https://www.jacfcu.org/membership.html. Once you're ready to open an account, just head over to this link to get the process rolling. If you have any questions or need assistance, feel free to give us a call at (716) 358-9326. We're here for you every step of the way!

Business Banking & Commercial Services

Merchant Services that Work for You

Imagine having a reliable partner to handle your payment processing needs. Our merchant services are designed to simplify transactions, making it easier for you to focus on running your business. From credit card processing to point-of-sale systems, we offer solutions that enhance customer experience and streamline operations. Visit us at 71 Main St Randolph Ny 14772 in Randolph, NY, or call us at (716) 358-9326 to learn more about how we can support your business's financial journey!

Tailored Business Loans

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. If you're not yet a member, don't worry! 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

Business Banking Solutions

For our local businesses, we offer comprehensive business banking services that include merchant services and business loans. We believe in supporting the community by providing the tools necessary for business growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our online and mobile banking features, managing your finances has never been easier. You can check balances, transfer funds, and even make payments right from your phone or computer. We also provide ATM and cash withdrawal services, ensuring you have access to your money whenever you need it.

Easy Access Through Drive-Thru and ATMs

If you're on the go, take advantage of our basic drive-thru banking, where simple transactions like deposits and withdrawals can be completed without leaving your car. Our ATMs also provide basic access for cash withdrawals and balance checks at any time. At Jamestown Area Community, we're dedicated to ensuring that all members receive personalized service in a welcoming environment. Visit us at 71 Main St Randolph Ny 14772 or give us a call at (716) 358-9326 to learn more about how we can help meet your financial needs. Join our community today and experience banking that truly cares about you!

Personal Banking Services

We understand that every member has unique financial goals. That's why we offer personal banking options like checking and savings accounts tailored to fit different lifestyles. For those dreaming of a new vehicle, our auto loans and vehicle financing services make it easier than ever to drive away in the car you want. If you're considering homeownership or refinancing, our mortgage loans can guide you through the process smoothly.

Support for Your Financial Needs

Life can be unpredictable, and sometimes you need a little extra support. Our personal loans are here for moments when you need quick cash, whether it's for unexpected expenses or debt consolidation. Plus, our credit cards with rewards allow you to earn points on your purchases while enjoying financial flexibility.

Digital & Online Banking

Easy Online Access

With our online banking platform available at https://www.jacfcu.org/, you can access your accounts anytime, anywhere. Whether you're checking your balance, paying bills, or transferring funds, our user-friendly interface ensures that all your banking needs are just a click away. Enjoy 24/7 online banking services that fit perfectly into your busy lifestyle.

Manage Your Money on the Go

Our mobile application makes it even easier to manage your finances from the palm of your hand. With features like mobile payments and person-to-person transfers, sending money to friends or family is quick and hassle-free. Plus, if you prefer keeping things paperless, you can opt for e-statements available through our platform allowing you to view your statements securely online whenever you need them.

Secure and Convenient Transactions

At Jamestown Area Community, we prioritize your security. Our electronic signature authorization feature allows you to complete transactions safely without the need for physical paperwork. You can trust that your sensitive information is protected while enjoying the ease of digital banking.

Stay Connected

No matter where life takes you, our digital banking services keep you connected to your finances. Our commitment to providing accessible, real-time account management means you'll always be in control. Join us at Jamestown Area Community and experience the future of banking today!

Financial Strength

Growing Membership Base

We are proud to report a growing membership base with 12,002 total share accounts, showing that more individuals trust us with their finances every day. 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 71 Main St Randolph NY 14772 or call us at 716-358-9326 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.*

Member-Centric Savings

Members' savings are secured through $0 in share certificates and $0 in money market shares, which means we're focused on providing you with other 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 concentrated on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our net income of $0, which allows us to focus on offering competitive loan rates and solid financial products tailored 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 and committed team.

Reinvesting in Our Members

With $6,480,368 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $19,964 in used auto loans and a total of $46,791,269 in loans and leases available for our members.

Solid Financial Foundation

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.

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 purchasing a brand-new model or a reliable used vehicle, our financing solutions can make it easier for you to hit the ground running.

Contact Us

Our dedicated team at Jamestown Area Community is here to assist you with any questions regarding our loan offerings. Feel free to reach out by phone at (716) 358-9326 or visit us at our convenient location: 71 Main St Randolph Ny 14772 in Randolph, 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 committed to providing transparent and supportive services that empower our members financially. Let us be part of your journey toward achieving your financial dreams!

Credit Lines and Personal Loans

For those looking for additional flexibility, our credit lines total $2,410,000 and can provide the financial cushion you need for unexpected expenses or planned purchases. Additionally, we also have options for unsecured credit card loans to help manage daily expenses effectively. If you're considering refinancing any existing loans, we can help guide you through eligibility options and benefits that could save you money over time.

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 personalized assistance throughout the mortgage process, ensuring you understand each step.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you receive is reliable. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This ensures that all users have equal access to the best rates available. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. Whether you're looking for a mortgage or an auto loan, LendMesh helps you find what you need without hassle. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the real benefits of using this tool. Compare real-time loan offers today at LendMesh and find the best rates for 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.