Jolt Credit Union Essexville MI | Best Auto Loans & ATM Access

Introduction

At Jolt, our mission is simple: to empower our members through personalized financial solutions that enhance their lives and strengthen our community. Located at 3015 Center Ave, Essexville, MI 48732, we have proudly served our members since 1956. With a total membership of 27,834 and assets exceeding $459 million, we are committed to providing exceptional service and support. As a trusted credit union, we understand the unique needs of our community. Whether you're looking for auto loans, mortgage refinancing, or simply a place to grow your savings with competitive rates, Jolt is here for you. Our team, led by CEO Alan Watson and Board President Robert Looby, includes 113 dedicated employees ready to assist you every step of the way. While members can visit us at our branch, official correspondence should be sent to the same address: 3015 Center Ave, Essexville, MI 48732. We offer a variety of services including personal banking accounts, business loans, and online banking options to make your financial journey as smooth as possible. With total deposits reaching $36,884,854 and cash in hand of $2,429,124, we are financially sound and prepared to meet your needs. Our commitment goes beyond just numbers; it's about building relationships based on trust and transparency. We invite you to experience the difference at Jolt. For more information or to discuss your financial goals, please call us at (989) 799-8744 or visit our website at joltcu.com. Let's work together towards a brighter financial future!

Branch History & Mission

Join Us

As we continue on this journey together, we invite you to become part of the Jolt family. Experience firsthand how we strive to make banking personal and impactful. Reach out to us at 989-799-8744 or explore more about what we offer by visiting our website. Let's build a brighter financial future together!

Our Evolution

From humble beginnings, Jolt has consistently evolved to meet the changing needs of our members. As we adapted to the modern banking landscape, we embraced technology to enhance our services. Today, we offer online and mobile banking solutions that make managing finances easier than ever. Our dedication to accessibility is evident in our ADA-compliant facilities and the availability of ATMs and drive-thru services, allowing members to bank conveniently at their own pace. Over the years, we have also expanded our offerings beyond traditional banking. Whether it's auto loans, mortgages, or business banking solutions, Jolt provides a comprehensive suite of services tailored to meet diverse financial needs. We take pride in being more than just a financial institution; we are your partner in building a better future.

Our Mission

At Jolt, our mission is simple yet powerful: to empower our members financially while supporting and uplifting the communities we serve. We believe in creating lasting relationships that go beyond transactions. Our commitment extends to various community outreach initiatives that promote financial literacy and well-being among residents of Essexville and surrounding areas. While you can visit us at our main location on Center Ave for all your banking needs during our operating hours Monday through Thursday from 9:00 am to 5:00 pm and Friday until 6:00 pm official correspondence can be sent to the same address as our mailing address for your convenience.

Branch Location & Accessibility

Welcome to Jolt, your friendly neighborhood credit union located at 3015 Center Ave in Essexville, MI! Our Essexville Branch is conveniently situated near local landmarks, making it easy for you to drop by and take care of your banking needs. Whether you're coming from downtown or nearby communities, our location is designed with accessibility in mind. While members can visit us at 3015 Center Ave, official correspondence should be sent to the same address. We have ample parking available, ensuring that you can easily access our services without any hassle. Our branch is fully ADA compliant, featuring ramps and accessible entrances for all members. At Jolt, we understand that life gets busy. That's why we're here for you during convenient hours: Monday through Thursday from 9:00 am to 5:00 pm and Friday from 9:00 am to 6:00 pm. If you ever need cash on the go, you'll be glad to know we offer ATM availability right here at the branch. Plus, our drive-thru service allows for quick deposits and withdrawals without having to step inside. We're proud to offer a variety of services tailored to meet your financial needs from personal checking and savings accounts to auto loans and credit cards with rewards. Our team is always ready to assist you with any questions or services you may require. Ready to experience banking made simple? We invite you to visit us or give us a call at 989-799-8744. At Jolt, we're not just about transactions; we're about building relationships with our members and helping you achieve your financial goals!

Member Eligibility

Joining Jolt is like becoming part of a caring community where your financial well-being is our priority. To become a member, you'll find that the eligibility requirements are quite straightforward and welcoming. Generally, if you live, work, or attend school in the area, you're likely eligible to join us. We cherish individuals from all walks of life and encourage everyone to take advantage of our services. For more specific details about eligibility, check out our resource at . Opening an account with us is just as easy! You can start your journey towards better banking by visiting us at https://joltcu.symapp.jhahosted.com/ . If you have any questions or need assistance along the way, don't hesitate to reach out at (989) 799-8744. We're excited to help you become a part of the Jolt family at our location on 3015 Center Ave Essexville Mi 48732!

Business Banking & Commercial Services

Merchant Services Made Easy

In today's fast-paced market, efficient payment processing is vital. Our merchant services help streamline transactions, allowing you to focus on what matters most growing your business. From credit card processing to point-of-sale systems, we equip you with the tools needed for success. Visit us at 3015 Center Ave Essexville Mi 48732 in Essexville, MI, or give us a call at (989) 799-8744 to explore how we can support your business needs. Let's grow together!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $19 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 $942,114, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make it simple. With competitive rates and flexible terms, you can drive off with confidence knowing you're getting a great deal.

Business Banking

If you're a business owner, you'll appreciate our business banking solutions. From merchant services that simplify transactions for your customers to tailored business loans that help fuel growth, we're committed to supporting local entrepreneurs.

Convenient Access

In today's fast-paced world, convenience matters. At Jolt, we provide ATM and cash withdrawal services for quick access to your funds. Our basic drive-thru banking allows you to conduct simple transactions without stepping inside.

Credit Cards with Rewards

Our credit cards not only help you manage purchases but also come with rewards! Imagine earning points on everyday spending that can lead to cash back or discounts on future purchases. It's a win-win!

Mortgage Loans & Refinancing

For those considering homeownership or wanting to refinance an existing mortgage, our mortgage loans are crafted to fit various budgets and lifestyles. We understand how important this decision is, so our friendly staff is ready to guide you through the process and answer any questions you might have.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you keep track of your finances effortlessly. Imagine needing quick access to your funds for an unexpected expense our online and mobile banking options make it easy to transfer money or check balances anytime, anywhere.

Personal Loans & Debt Consolidation

Life can throw curveballs at us, but when it does, our personal loans and debt consolidation services can help ease the burden. Whether it's for medical expenses, home repairs, or consolidating multiple debts into one manageable payment, we're here to support you every step of the way.

Stay Connected

With digital features like online banking and mobile payments, managing your finances has never been easier. You can perform transactions at your fingertips and enjoy peace of mind knowing that your financial information is secure. We invite you to visit us or give us a call at (989) 799-8744 for more information about how we can assist you. Explore all that Jolt offers by visiting our website at Essexville Branch. Let us help you achieve your financial goals today!

Digital & Online Banking

Key Features

Our online banking service is available 24/7, so you can check your account balance, pay bills, and transfer funds whenever it suits you. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you're on the go, our mobile payments option allows you to make purchases right from your phone. For added convenience, we offer electronic statements that keep your financial information organized and accessible. You can review your statements anytime without having to worry about paper clutter. And if you ever need to sign documents, our electronic signature authorization feature ensures that everything is done securely and efficiently.

Security and Accessibility

We take your security seriously. Our online banking platform uses the latest technology to protect your personal information. You can bank with peace of mind knowing that your data is safe with us. With no mobile application currently available, rest assured that our website is optimized for mobile use, making it easy to navigate on any device. Whether you're at home or out and about, you'll find managing your finances straightforward and hassle-free. At Jolt, we're committed to providing you with the tools you need for real-time account management and financial independence. Explore our digital banking services today and discover how we can help simplify your financial life!

Financial Strength

Commitment to Member Growth

With $38,054,460 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 members' financial goals across various sectors with $3,511 in used auto loans and $255,427,922 in total loans and leases.

Growing Membership Base

Total Share and Deposit Accounts: 67,158, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,098,556. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Jolt is your trusted partner. Visit us at 3015 Center Ave Essexville Mi 48732 or call (989) 799-8744 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.

Operational Efficiency

Our $69,639 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 105 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $79,900,798 in share certificates and $77,602,267 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,142,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $44,144,649, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $960 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 $57,064,508 in used vehicle loans and $19,718,870 in new vehicle loans already helping members get on the road. We offer flexible terms tailored to fit your budget, making it easier for you to drive away in the vehicle you want.

Credit Lines and Business Loans

For those looking for additional financial flexibility, our total credit lines amounting to $70,000,000 provide a safety net for unexpected expenses or planned purchases. Additionally, if you're a business owner, our outstanding commercial loans totaling $942,114 provide the capital needed to grow and expand your business operations. We encourage potential borrowers to explore refinancing options as well if you're looking to lower your monthly payments or consolidate debt, we can help you find the right solution tailored specifically for your situation. At Jolt, we prioritize transparency and member satisfaction. For more details about our loan offerings or eligibility requirements, feel free to reach out at (989) 799-8744 or visit us at 3015 Center Ave Essexville Mi 48732 in Essexville, MI. 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 us assist you in achieving your financial objectives!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,647,688, make buying or refinancing simple. We provide competitive rates and personalized service to help guide you through the process. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to assist you.

Unsecured Credit Card Loans

Managing your finances is essential, and we also offer flexible terms on unsecured credit card loans, with a total of $12,048,771 in loans helping members effectively manage their finances. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping costs manageable.

Loan Aggregator

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JOLT CREDIT UNION - Essexville, MI