Joliet Municipal Employees Credit Union IL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Joliet Municipal Employees Federal Credit Union, your trusted financial partner since 1964. Located at 818 E Cass St, Joliet, IL 60432, we pride ourselves on serving our community with dedication and care. With a total membership of 861 and assets exceeding $11,412,271, we are committed to providing you with personalized banking solutions that fit your needs. At our credit union, we believe in building relationships based on trust and transparency. Under the leadership of our CEO, Maribel Bedolla, and Board President, Harold Harty, we strive to create a welcoming environment where every member feels valued. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 818 E Cass St, Joliet, IL 60432. Our credit union offers a variety of services designed to help you achieve your financial goals from checking and savings accounts to auto loans and mortgages. We have processed a total of 628 loans and maintain deposits totaling $3,261,486. Our net worth stands proudly at $1,169,313, reflecting our stability and commitment to our members. We invite you to experience the difference with us. Whether you're looking for personal banking solutions or business services like merchant accounts and business loans, we are here for you. Don't hesitate to reach out at (815) 726-3883 for any inquiries or visit our website at jolietmunicipal.com for more information. Join us today and become part of a community-focused institution dedicated to your financial well-being!

Branch History & Mission

Commitment to Accessibility

We are proud to offer online banking services that make managing finances easier for everyone. Though we currently do not have ATMs or drive-thru service at our branch, we ensure that our members can access their accounts safely and conveniently from home or on-the-go.

Join Us Today!

As we look toward the future, Joliet Municipal Employees remains steadfast in its mission: providing accessible financial solutions while nurturing a strong sense of community. We invite you to join us on this journey! Experience firsthand how being part of our credit union can benefit you and your family. For more information about membership eligibility or services, feel free to reach out by calling us at (815) 726-3883 or visiting our website at jolietmunicipal.com. Together, let's build a stronger Joliet!

Our Community Focus

As a member-focused institution, we believe in giving back to the community that supports us. We partner with local organizations to promote financial literacy and provide resources that help individuals achieve their goals. Our commitment to service is evident in everything we do from personalized banking experiences to participating in community events that strengthen ties within Joliet.

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

While you're here, take advantage of our wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we have you covered. If you're a member of a partner credit union, feel free to utilize basic shared branch transactions like deposits and withdrawals as well.

Easy Access for Everyone

At our branch, we prioritize accessibility for all our members. The building is ADA compliant, featuring ramps and designated parking spaces to ensure everyone can visit us with ease. Whether you are stopping by for a quick transaction or seeking financial advice, we aim to provide a welcoming environment.

Operating Hours Designed for You

We understand that your time is valuable. That's why our lobby hours are designed to fit around your schedule. We're open Monday through Friday from 5:00 PM to 7:00 PM, and on Monday, Tuesday, and Wednesday from 11:00 AM to 1:00 PM. Our friendly staff is ready to assist you during these hours.

Stay Connected with Us

If you need assistance or have any questions before your visit, don't hesitate to give us a call at 815-726-3883. While you're welcome to stop by our location at 818 E Cass St for all your banking needs, please note that official correspondence should be sent to the same address as our mailing address: 818 E Cass St, Joliet, IL 60432. We look forward to serving you soon!

Member Eligibility

Becoming a member of Joliet Municipal Employees is like joining a warm and welcoming family that supports your financial goals. To be eligible, you need to be a city employee or an immediate family member of one, making it easy for you to join if you are part of the Joliet community. We believe in creating opportunities for our members, offering great rates on loans and personalized services tailored just for you. If you're ready to take the next step, opening an account is simple! You can find all the details about eligibility on our website at http://www.jolietmunicipal.com/become-a-member. For any questions or assistance, feel free to reach out to us at (815) 726-3883 we're here to help! Join us at 818 E Cass St Joliet Il 60432 and experience the difference membership can make in your financial journey.

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer merchant services designed to make transactions easier for your business. Whether you're processing payments at a retail location or online, our merchant solutions can streamline operations and enhance customer satisfaction. Located conveniently at 818 E Cass St Joliet Il 60432 in Joliet, IL, we are here to partner with you on your journey toward success. Contact us at (815) 726-3883 to learn more about how our business banking and commercial services can work for you!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options make it easy for you to drive away in the car of your dreams without breaking the bank. With competitive rates and flexible terms, you can enjoy peace of mind knowing you're getting the best deal possible.

Business Banking

For local business owners, we provide robust business banking services, including merchant services and business loans designed to help your venture thrive. We understand the challenges of running a business, and our team is here to support you every step of the way.

Credit Cards with Rewards

Enjoy rewards while you spend with our credit cards that offer benefits tailored just for you. Use them for everyday purchases and watch as points accumulate toward exciting rewards making every dollar spent work harder for you.

Mortgage Loans & Refinancing

If homeownership is on your horizon or if you're considering refinancing your current mortgage, our mortgage loans provide various solutions that fit different budgets and circumstances. We take the time to understand your unique situation so that we can offer the best loan options for your needs.

Online & Mobile Banking

We know convenience matters, which is why our online and mobile banking services make managing your finances easy and accessible. With features like bill pay, fund transfers, and e-statements available at your fingertips, you'll never have to worry about long lines or limited hours again.

Personal Banking

For those just starting out or looking to manage their everyday finances, our personal banking services include checking and savings accounts designed to help you reach your financial goals. Imagine being able to easily access your funds online or through our mobile banking features, which allow you to check balances, transfer money, and pay bills from anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans offer quick access to cash when you need it most, whether it's for a home improvement project or consolidating debt. By combining multiple debts into one manageable payment, you can simplify your finances and reduce stress.

Shared Branch Transactions

Additionally, if you're a member of another credit union within our network, we offer basic shared branch transactions like deposits and withdrawals. This means more flexibility and access no matter where you are. For any inquiries or further details about our services at Joliet Municipal Employees Federal Credit Union, feel free to call us at (815) 726-3883 or visit us at our branch located at 818 E Cass St Joliet Il 60432 in Joliet. We look forward to helping you achieve all of your financial goals!

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking platform is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can also enjoy e-statements, which help you keep track of your transactions without the clutter of paper statements. This eco-friendly option is not only convenient but also secure, ensuring that your financial information stays protected. Although we currently don't offer mobile payments or a dedicated mobile application, our website is fully optimized for mobile use. This means you can easily navigate your accounts from your smartphone or tablet. While person-to-person transfers aren't available yet, we're committed to providing features that matter most to our members. For those who need to sign documents electronically, please note that electronic signature authorization isn't currently supported either. In summary, Joliet Municipal Employees offers a user-friendly online banking experience designed with your needs in mind. We prioritize your security while giving you the tools to manage your finances effectively. Visit us at http://www.jolietmunicipal.com/ today to explore how our digital services can simplify your banking experience!

Financial Strength

At Joliet Municipal 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 are proud to share insights into our financial strength, which underlines our commitment to serving you with reliability and trust. With a net worth of $1,169,313, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.25% 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 $5,690,771 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $750,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $1,169,313 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $3,901 in total auto loans and $8,061,168 in total loans and leases. Our operational efficiency is reflected in our $0 net income, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share and Deposit Accounts: 1,179, 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, Joliet Municipal Employees is your trusted partner. Visit us at 818 E Cass St Joliet IL 60432 or call (815) 726-3883 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 $3,540,258 in used vehicle loans and $2,557,726 in new vehicle loans already helping members get on the road. We offer flexible terms that make it easier for you to find the perfect financing solution for your needs.

Credit Lines and Refinancing Options

For those looking for additional financial flexibility, we provide credit lines totaling $300, allowing you to access funds when you need them most. If you're considering refinancing existing loans or exploring eligibility options for any of our products, our team is ready to assist you every step of the way. At Joliet Municipal Employees, we are committed to helping you navigate your financial journey with confidence. For more information or assistance with our loan products, feel free to reach out at (815) 726-3883 or visit us at 818 E Cass St Joliet Il 60432 in Joliet, IL. Remember, all 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's work together toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We provide competitive rates and straightforward terms, ensuring that owning a home is within your reach.

Unsecured Credit Card Loans

Managing daily expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $386,969 in loans helping members manage their finances effectively, our credit card options are designed to fit your lifestyle while offering rewards and benefits.

Loan Aggregator

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