Johnstown School Employees Credit Union PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Johnstown School Employees, where we believe in empowering our community through strong financial support and personalized service. Nestled at 738 Viewmont Ave, Johnstown, PA 15905, our credit union has been a trusted partner for local members since 1939. With a total membership of 523 and assets exceeding $6,670,635, we are committed to providing you with exceptional banking options tailored to meet your needs. At Johnstown School Employees, we understand the importance of financial security and convenience. That's why we offer a variety of services including checking and savings accounts, auto loans, mortgage loans, and personal loans. Whether you're looking to buy a new car or save for your future, we've got you covered. Our leadership team is dedicated to fostering a welcoming environment. Under the guidance of our CEO, Donald Irwin, Jr., and Board President, Lieda Milazzo, we strive to make every member feel valued. As a local institution with only 2 employees, we pride ourselves on building lasting relationships within our community. While members can visit us at our branch location, official correspondence should be sent to the same address: 738 Viewmont Ave, Johnstown, PA 15905. With total deposits amounting to $165,423 and a net worth of $1,608,674, we ensure that your finances are in safe hands. Join us today by visiting our website at jsefcu.com or give us a call at 814-255-6642. Experience the difference that comes from being part of a credit union that truly cares about its members!

Branch History & Mission

At Johnstown School Employees, our journey began in 1939 with a vision to support the financial needs of educators and their families in Johnstown, PA. Since then, we have grown from a small community credit union into a trusted partner for over 523 members, all while staying true to our core mission: providing exceptional financial services with a focus on community support. Located at 738 Viewmont Ave, Johnstown, PA 15905, our branch is easily accessible for our members. We are proud to be part of the vibrant community here in Cambria County, where education and collaboration flourish. Our headquarters remain firmly rooted in Johnstown, which allows us to maintain close ties with local schools and educational institutions. Throughout our history, we have achieved significant milestones that reflect our commitment to serving our members. As of today, we proudly manage total assets of $6,670,635. This growth empowers us to offer a variety of services designed specifically for our members' needs, including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking solutions. Our mission is clear: to provide personalized financial services that not only meet the needs of our members but also uplift the entire community. We believe in building lasting relationships based on trust and transparency. By investing in local initiatives and partnering with schools, we aim to contribute positively to the lives of those around us. While members can visit us at 738 Viewmont Ave, official correspondence should be sent to the same address for convenience. Our branch operates continuously during the week, ensuring that you can always reach us when needed. Although we currently do not have ATM or drive-thru services available, we are committed to providing excellent online banking options that allow you to manage your finances securely from anywhere. As we look ahead, we remain dedicated to enhancing our services and expanding our outreach efforts. We invite everyone in Johnstown and surrounding areas who shares our values to join us as members. Experience the benefits of being part of a community-focused credit union where your financial well-being matters. If you're ready to take the next step toward achieving your financial goals or need assistance with any banking needs, don't hesitate to reach out. Call us at 814-255-6642 or visit our website at jsefcu.com for more information on how you can become a member today!

Branch Location & Accessibility

Nearby Landmarks & Accessibility Features

Situated near popular spots like the Johnstown Mall and local parks, our branch is easily accessible for everyone in the area. We offer ample parking, ensuring that you can visit us without any hassle. Our facility is ADA-compliant, featuring ramps and accessible entrances for those who need them.

Operating Hours & Services Offered

We're open all week long, ready to assist you anytime during our lobby hours. Our dedicated team is here to help with personal banking services such as checking and savings accounts, auto loans, mortgage refinancing, and more. Although we don't have an ATM or drive-thru service available at this location, our online banking options are designed to make your banking experience smooth and convenient from anywhere. While members can visit us at 738 Viewmont Ave, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to give us a call at 814-255-6642.

Visit Us Today!

We invite you to stop by our Johnstown School Employees branch today! Let us help you achieve your financial goals in a welcoming environment. Your journey toward better banking starts here come see how we can support you!

Member Eligibility

At Johnstown School Employees, we believe that becoming a member is like joining a warm, welcoming family where your financial well-being matters. If you're looking to be part of our community, you'll find that eligibility is straightforward and friendly. Membership is available to individuals who work for or are retired from the school district, as well as their family members. This means if you're connected to someone in education here, you're likely eligible! Not only do our members gain access to a variety of financial services tailored just for them, but they also become part of a supportive network dedicated to helping one another thrive. To kick off your membership journey at Johnstown School Employees, just visit us at 738 Viewmont Ave Johnstown Pa 15905 or give us a call at (814) 255-6642. We've made the account opening process easy and accessible simply check out the details here. For a full rundown on membership criteria, feel free to explore more about it here. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having the tools to accept payments from customers seamlessly. Our merchant services allow businesses like yours to process transactions easily, whether in-person or online. This means faster sales and happier customers key ingredients for any thriving business. Located at 738 Viewmont Ave Johnstown Pa 15905 in Johnstown, PA, we're ready to partner with you on your journey toward success. Let's grow together! For more information, give us a call at (814) 255-6642 or visit us online at https://www.jsefcu.com/.

Tailored 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. - 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

ATM & Cash Withdrawal Services

While we currently do not have ATM facilities at this branch location, our extensive network ensures you have access to cash withdrawal services when needed. At Johnstown School Employees, we are committed to supporting our members' financial journeys every step of the way. If you're ready to explore what we offer further or have any questions about how we can assist you with your financial needs, don't hesitate to reach out! Call us today at (814) 255-6642 or visit us online at Main. Let's work together towards achieving your financial goals!

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, consider our auto loans and vehicle financing options. We offer competitive rates that can help make your next car purchase more affordable. Picture driving away in your new car without breaking the bank! Our team is here to guide you through the loan process and ensure you find a plan that fits your budget.

Business Banking

We also support local businesses with tailored banking solutions. From merchant services that simplify transactions to business loans that provide necessary capital for growth, we are invested in helping our local entrepreneurs thrive.

Credit Cards with Rewards

For those who love rewards, our credit cards come with great benefits that allow you to earn while you spend. Enjoy cash back on purchases or points redeemable for travel and gifts. This way, every swipe brings you closer to something special!

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans are tailored to fit various financial situations. We understand that purchasing a home is one of the biggest decisions you'll ever make. With our guidance, you can navigate this process smoothly and confidently.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that give you control over your finances anytime, anywhere. With just a few taps on your smartphone or clicks on your computer, managing your accounts has never been easier!

Personal Banking

Our personal banking services include checking and savings accounts that cater to every lifestyle. If you're just starting out or looking to manage your finances better, our friendly staff can help you choose the right account. Imagine having easy access to your funds whenever you need them through our online and mobile banking platforms. You can check balances, transfer money, and pay bills all from the comfort of your home or on-the-go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation options, you can tackle those challenges head-on. Whether it's for medical bills, home repairs, or consolidating existing debts into one manageable payment, we're here to help ease your financial stress.

Digital & Online Banking

Key Features

Visit us online at https://www.jsefcu.com/ to explore all the ways our digital banking can simplify your life. Our user-friendly platform allows you to check balances, transfer funds, and monitor transactions with ease. Whether you're at home or on the go, our online banking makes it simple to manage your money effectively. While we currently don't offer mobile payments or a mobile application, our robust online banking system stands ready to serve your needs. Although electronic signatures are not available right now, rest assured that every step of your digital banking experience is designed with security in mind. You can feel confident knowing that your information is protected while you manage your accounts.

Real-Time Management

Our members enjoy real-time account management without any hassle. While we don't currently support person-to-person transfers or e-statements, our commitment to enhancing your banking experience remains strong. We encourage you to make the most of our online features for a seamless financial journey. In today's fast-paced world, having access to your accounts whenever you need them is crucial. At Johnstown School Employees, we're here to help make banking easier for you through our dedicated online services. Join us today and experience the benefits of modern banking tailored just for you!

Financial Strength

At Johnstown School Employees, 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 understand how important it is for you to feel confident in where you choose to bank, and we are proud to showcase our strong financial position. With a net worth of $1,608,674, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 24.12% 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 $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $1,489,365 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $108 in used auto loans and $3,429,677 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency shines through with a net income of $9,536, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. As of now, total share accounts stand at 523, showcasing 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, Johnstown School Employees is your trusted partner. Visit us at 738 Viewmont Ave Johnstown Pa 15905 or call (814) 255-6642 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 $1,527,196 in used vehicle loans and $956,030 in new vehicle loans already helping members get on the road. We provide financing solutions for both new and used vehicles, ensuring that you can find something that fits your budget and lifestyle.

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 navigate the complexities of home financing with ease.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These cards come with competitive interest rates and no collateral requirement, making them an accessible choice for many. If you're interested in refinancing your existing loans or learning about eligibility options, please ask one of our representatives during your visit or give us a call. We're committed to helping you find the right financial solutions to suit your needs. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at 738 Viewmont Ave Johnstown Pa 15905 in Johnstown, or check out our website at https://www.jsefcu.com/ for more information about our loan offerings!

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JOHNSTOWN SCHOOL EMPLOYEES FEDERAL CREDIT UNION - Johnstown, PA

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