J.C.T. Credit Union Edna TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to J.c.t., your trusted financial partner located at 309 N Allen St, Edna, TX 77957. Since our establishment in 1971, we have proudly served our community with a commitment to providing personalized banking solutions that cater to your unique needs. As a member of Jackson County Teachers Federal Credit Union, you join a family of over 609 members, all benefiting from our dedication to exceptional service and community engagement. At J.c.t., we understand that financial wellness is essential for everyone, whether you're looking to save for the future or secure a loan for that much-needed vehicle. With total assets exceeding $10,347,468 and deposits around $1,421,278, we are well-equipped to support you on your financial journey. Our team is led by CEO Lori Matus and Board President Dianne Juroske, who prioritize creating an environment where members feel valued and empowered. While you can visit us at our branch for personal assistance, please note that official correspondence should be directed to the same address: 309 N Allen St, Edna, TX 77957. Whether it's through our friendly lobby hours from 9:00 AM to 4:30 PM Monday through Friday or via phone at 361-782-5745, we're here to help you navigate your financial goals with ease. Explore a range of services tailored just for you, including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. We pride ourselves on being accessible both in-person and online enjoy the convenience of mobile banking or check out our website at jacksoncountyteachers.com for more information. Join us today and experience the difference of being part of a community-focused credit union that genuinely cares about your financial success!

Branch History & Mission

Modern Banking Experience

While we cherish our traditional values, we also embrace modern advancements in banking. At J.c.t., you can enjoy online and mobile banking options that allow you to manage your finances conveniently from anywhere. Although we do not offer ATM services at this location, our drive-thru facility makes banking quick and accessible for all your essential transactions. Our operating hours are designed with your schedule in mind: Monday through Friday from 9:00 AM to 4:30 PM for lobby access and 7:45 AM to 5:00 PM for drive-thru service. Should you have any questions or require assistance, feel free to reach out at (361) 782-5745. As we look toward the future, we invite you to become part of the J.c.t. family. Experience firsthand how our dedicated team works tirelessly to provide financial solutions tailored just for you. Join us today and take the first step towards securing your financial future with a credit union that truly cares about its members!

Our Mission

Our mission at J.c.t. is simple yet profound: to provide exceptional financial services while fostering community support. We believe that everyone deserves access to quality banking options that empower them to achieve their dreams. Whether it's offering personal banking services such as checking and savings accounts or providing loans for vehicles and homes, we are here to support you every step of the way. We understand that financial success goes beyond transactions; it involves building lasting relationships with our members. That's why we prioritize community outreach programs, partnering with local organizations to make a positive impact on the lives of those around us. We aim not only to serve but also to uplift our community through various initiatives.

Branch Location & Accessibility

Convenient Access and Facilities

Our location is easily accessible, with ample parking available for our members. Whether you're stopping by for a quick transaction or need assistance from one of our team members, you'll find that navigating to our branch is simple. We take pride in being ADA compliant, ensuring that everyone can comfortably access our facilities. While you can visit us at 309 N Allen St for all your banking needs, if you have any official correspondence, please send it to the same address as our mailing address: 309 N Allen St, Edna, TX 77957.

Operating Hours

At J.c.t., we understand that your time is valuable. That's why we offer convenient operating hours to fit your schedule. Our lobby is open Monday through Friday from 9:00 AM to 4:30 PM, and if you prefer drive-thru banking, we open even earlier at 7:45 AM and close at 5:00 PM. This means you can come by before work or during lunch breaks!

Services Tailored for You

As part of our commitment to serving our members, we provide an array of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, and much more. Plus, our basic drive-thru service allows for quick deposits and withdrawals without having to leave your vehicle. Feel free to call us at 361-782-5745 if you have any questions or would like more information about our services. We're here to help! Come visit us today at J.c.t., where banking feels like home!

Member Eligibility

At J.c.t., we believe that everyone deserves a chance to be part of a supportive financial community. If you're looking to join us, becoming a member is easier than you might think! We welcome individuals who live, work, or go to school in our local area, along with their families. This means if you're connected to our community in any way, you can take advantage of the benefits we offer. With personalized services and competitive rates, being a member at J.c.t. opens the door to financial opportunities tailored just for you. To get started, simply visit us at 309 N Allen St Edna Tx 77957, or check out the detailed eligibility criteria on our website at https://jacksoncountyteachers.com/become-a-member/ . If you're ready to open an account and enjoy the perks of membership, you can easily start the process online by visiting https://jctfcu.culoanportal.com/?utm_source=organic&utm_medium=menuapplyonline&utm_id=jctfcu . For any questions, feel free to give us a call at (361) 782-5745. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have not issued any commercial loans, we are eager to explore opportunities that can help local businesses flourish in Edna, TX. Our aim is to create flexible financing solutions that adapt to the unique circumstances of each business owner.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine a busy Saturday at your store customers are lining up, and you need an efficient way to handle transactions. Our merchant services allow you to accept various payment methods seamlessly, ensuring a smooth experience for both you and your customers. With J.c.t., you're not just getting a financial partner; you're gaining a team dedicated to helping your business succeed. For more information on how we can assist you, visit us at 309 N Allen St Edna, TX 77957 or call us at 361-782-5745. Together, let's take your business to the next level!

Comprehensive List Of Services

Additional Services

We also offer essential ATM and cash withdrawal services alongside basic drive-thru banking for deposits and simple transactions. This ensures that no matter how busy life gets, accessing your money remains hassle-free. At J.c.t., we're more than just a financial institution; we're part of the community. If you're interested in learning more about how we can assist you with any of these services or if you'd like to become a member, please don't hesitate to contact us at (361) 782-5745 or visit us at http://www.jacksoncountyteachers.co . Together, let's take steps toward achieving your financial goals!

Business Banking Services

For entrepreneurs and small business owners, J.c.t. offers tailored business banking solutions including merchant services and business loans. We understand the unique challenges businesses face, which is why our team works closely with you to ensure you have the right financial tools at your disposal.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options so you can manage your finances anytime, anywhere. From checking balances to transferring funds or paying bills, our digital platform is user-friendly and designed with your needs in mind.

Home Loans

Thinking about homeownership? Our mortgage loans and refinancing options can help turn that dream into reality. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we're here to assist you with personalized service and expert advice.

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts that cater to your lifestyle. Imagine having a checking account that not only makes everyday transactions easy but also helps you save with competitive interest rates. Our savings accounts are designed to help you grow your money over time, making it easier for you to reach those important financial goals.

Personal Loans & Credit Cards

Life can throw unexpected expenses your way. Our personal loans provide quick access to cash when you need it most, whether for debt consolidation or unforeseen bills. Additionally, our credit cards come with rewards that let you earn while you spend perfect for those who want a little extra from their purchases.

Vehicle Financing

For those in need of a new ride, our auto loans and vehicle financing options make purchasing or refinancing your car straightforward and affordable. We understand that buying a car is a significant investment, and our friendly staff is here to guide you through every step of the process. With flexible terms and competitive rates, driving off in your dream car is just around the corner.

Digital & Online Banking

E-Statements

Go green with our e-statements! They're not only environmentally friendly but also secure and easily accessible. You'll receive your statements directly in your inbox, eliminating the worry of lost mail while giving you a clear view of your financial activity.

Mobile Banking App

With our mobile application available, banking is even easier. Whether you're waiting in line or enjoying a coffee break, managing your finances is just a tap away. You can deposit checks, view transactions, and navigate through your account effortlessly.

Security and Accessibility

Your security is our top priority. Although we currently do not offer electronic signature authorization, rest assured that our systems are designed to protect your information as you bank online. Our user-friendly features ensure that everyone can navigate their accounts without hassle. At J.c.t., we believe that banking should fit into your lifestyle easy, fast, and secure. Join us today to experience how our digital banking services can simplify managing your finances!

Financial Strength

Commitment to Growth

With $1,163,443 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We also have $4,774,076 in total loans and leases, which supports members' financial goals across various sectors.

Growing Membership Base

Total Share Accounts stand at 937, showing a strong and growing member base that trusts us with their finances. This growth underlines our commitment to serving the community of Edna, TX. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, J.c.t. is your trusted partner. Visit us at 309 N Allen St Edna Tx 77957 or call 361-782-5745 to learn more about how we can help you achieve your financial goals.

Member-Centric Resources

Members' savings are secured through $1,770,278 in share certificates, offering stable and rewarding financial growth opportunities. 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.

Operational Efficiency

Our $0 net income reflects our operational efficiency. While this may seem low, it illustrates our focus on serving you rather than maximizing profit margins alone. We also take pride in having 4 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Health

With a net worth of $1,163,443, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.24% 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 $1,354,279 in used vehicle loans and $2,647,913 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used option, our team is here to help you find the perfect financing solution.

Business Financing

If you're a business owner, our commercial loans can provide the capital needed to grow and expand your operations. Although there are no outstanding commercial loans at this time, we remain committed to supporting local businesses with competitive financing options when available. At J.c.t., we're proud to serve Edna and surrounding areas with quality financial products. For more information about our loan offerings or to start an application, please call us at (361) 782-5745 or visit us at 309 N Allen St Edna Tx 77957 in Edna, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how our loan products can work for you today!

Credit Lines and Personal Loans

For those looking for flexibility, we provide credit lines up to $300,000. This can be ideal for managing unexpected expenses or funding personal projects. Additionally, while we don't currently offer unsecured credit card loans (totaling $0), our other lending options are designed to help you manage your finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we offer Junior Lien 1-4 Family Residential Properties loans totaling $0, which can help you secure your dream home with ease. If you're interested in refinancing, ask us about eligibility options that might save you money on your monthly payments.

Loan Aggregator

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. Each lender's information is verified, helping you trust that the comparisons are accurate and up-to-date.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of the platform in delivering significant savings. Ready to find your best loan option? Compare real-time loan offers today at LendMesh and discover 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.*

J.C.T. FEDERAL CREDIT UNION - Edna, TX