Jolt Credit Union Saginaw MI | Best Auto Loans & ATM Services

Introduction

Welcome to Jolt, your trusted financial partner located at 1002 S Washington Ave, Saginaw, MI 48601. Established in 1956, our credit union has proudly served over 27,800 members, providing them with personalized banking solutions and a commitment to community support. With total assets of $459,445,620 and total deposits reaching $36,884,854, we stand as a pillar of financial strength and reliability. At Jolt, we believe in empowering our members through accessible financial services. Whether you're looking for auto loans (with over 7,022 loans already funded), mortgage refinancing, or personal loans tailored to your needs, we have you covered. Our dedicated team of 113 employees, led by CEO Alan Watson and Board President Robert Looby, is here to ensure that every member receives the attention they deserve. While our branch operates Monday through Friday from 9:00 AM to 5:00 PM, you can reach us anytime at (989) 799-8744 for inquiries or assistance. If you prefer official correspondence via mail, feel free to send it to the same address: 1002 S Washington Ave, Saginaw, MI 48601. Join us at Jolt as we strive to make a positive impact on the lives of our members and the community. Explore more about our services by visiting our website today! Let's work together towards your financial goals!

Branch History & Mission

Community Focus

Our commitment goes beyond just financial services; we actively engage in community outreach initiatives aimed at uplifting those around us. By partnering with local organizations and participating in community events, we strive to make a positive impact in Saginaw.

Join Us

Experience the Jolt difference! With operating hours Monday through Friday from 9:00 AM to 5:00 PM, we're here when you need us. Whether you're looking for a loan or simply want advice on saving for your future, our dedicated team is ready to assist you. Join us today and discover how Jolt can help you reach your financial dreams while being part of a supportive community. For more information or assistance, don't hesitate to call us at 989-799-8744 or visit our website at www.joltcu.com. Together, let's build a brighter financial future!

Our Journey

Jolt started as a small credit union with a vision to empower local residents through accessible financial services. Over the years, we have expanded our offerings while remaining true to our mission of enhancing the financial well-being of our members. Each milestone in our history reflects our commitment to growth and service whether it's introducing new loan products or enhancing digital banking tools that make managing finances easier than ever.

Our Mission

At Jolt, we believe in more than just banking; we are about building relationships and fostering community support. Our mission is clear: to provide personalized financial services that help you achieve your goals. We offer everything from checking and savings accounts to auto loans and credit cards with rewards tailored to meet the diverse needs of our membership. While members can visit us at 1002 S Washington Ave for all their banking needs, official correspondence should be sent to the same address. We are also proud to offer convenient ATM access and drive-thru banking services for your ease.

Branch Location & Accessibility

Convenient Access

We understand that convenience is key when it comes to banking. Our branch features ample parking with easy access for everyone, including those with mobility challenges. We're proud to be ADA compliant, ensuring that all members can visit us without any hassles.

Let's Connect!

If you're in the area or just passing through, we invite you to stop by and see what Jolt has to offer. For more information or if you have any questions, feel free to give us a call at (989) 799-8744. We look forward to welcoming you into our branch!

Operating Hours

Our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 9:00 AM to 5:00 PM, providing plenty of time for you to come in and take care of your banking needs. Whether you're looking to open an account, apply for a loan, or just chat with one of our friendly team members, we're here for you during these hours.

Services Offered

At the Jolt branch, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we strive to provide everything you need under one roof. Our drive-thru service makes quick transactions even easier, allowing you to deposit or withdraw funds without leaving your car. Additionally, we have an ATM available for cash withdrawals and balance checks whenever you need them. Our goal is to make banking as simple and straightforward as possible for our valued members. While members can visit us at 1002 S Washington Ave Saginaw Mi 48601, official correspondence should be sent to our mailing address at 1002 S Washington Ave, Saginaw, MI 48601.

Member Eligibility

Becoming a member of Jolt is like joining a close-knit family that supports your financial goals. If you live, work, worship, or attend school in the Saginaw area, you're already on the path to membership! This means that if you have ties to our community, we welcome you with open arms. At Jolt, you'll enjoy personalized services and a variety of financial products designed just for you. For more detailed eligibility criteria, feel free to check out our website at . Opening an account is simple and straightforward! Just visit us at our branch located at 1002 S Washington Ave Saginaw Mi 48601, or give us a call at (989) 799-8744 for assistance. Our friendly team is here to guide you every step of the way, ensuring that you feel right at home as part of our vibrant community. You can also find information on how to open an account online by visiting https://joltcu.symapp.jhahosted.com/ . Join us today and take the first step toward better banking with Jolt!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services are designed to simplify your transactions. Imagine processing payments quickly and securely, giving you more time to focus on what matters most growing your business. Our services help you accept various payment methods, making it easier for your customers to shop with you. Located at 1002 S Washington Ave Saginaw Mi 48601, Saginaw, MI, we're here to provide the resources and support you need to thrive. Contact us today at (989) 799-8744 to learn more about how we can partner with you in your business journey!

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

Additional Financial Products

If you're facing unexpected expenses or need extra cash, our Personal Loans & Debt Consolidation solutions can help streamline your financial obligations. And for those who love rewards, our Credit Cards with Rewards give you the chance to earn points while making everyday purchases. For small business owners, we offer tailored Business Banking services including Merchant Services and Business Loans. This means whether you're just starting out or looking to expand, we have the tools and resources to support your growth.

Convenient Access and Services

Accessing your funds has never been easier with our ATM & Cash Withdrawal Services available around the clock. Our branch also provides Basic Drive-Thru Banking, allowing you to complete deposits and withdrawals without leaving your vehicle perfect for busy days when you're short on time. In addition, our basic ATM access allows you to check balances and withdraw cash whenever you need it. With features like Online & Mobile Banking, managing your finances from anywhere is straightforward. You can pay bills, transfer funds, or send money person-to-person all from the comfort of your home or on your smartphone. At Jolt, we're not just about transactions; we're about building relationships with our members. Our friendly team is here to guide you through every service we offer, ensuring that you feel supported in achieving your financial goals. Ready to explore how we can help? Contact us at (989) 799-8744 or visit us at 1002 S Washington Ave Saginaw Mi 48601 today! Let's work together towards a brighter financial future.

Personal Banking Solutions

Starting with personal banking, we offer various Checking & Savings Accounts designed to fit your lifestyle. Imagine opening an account that not only helps you manage your daily expenses but also grows your savings over time. With easy online and mobile banking options, accessing your accounts is simple and convenient whether you're at home or on the go. When it comes to financing your dreams, our Auto Loans & Vehicle Financing options make it easy for you to get behind the wheel of a new car. Picture driving off in that reliable vehicle you've always wanted, knowing that you secured a great rate through us. We also provide Mortgage Loans & Refinancing services for those ready to buy their first home or refinance an existing loan to lower their monthly payments.

Digital & Online Banking

Key Services Available

With our 24/7 Online Banking services, you can access your account anytime, anywhere. Simply visit https://www.joltcu.com/ to log in and take control of your finances. Need to check your balance? Transfer funds? Pay bills? It's all just a click away! For those who prefer using their mobile devices, we offer mobile payments to help you make purchases quickly and easily. While we currently do not have a dedicated mobile application, our website is fully optimized for mobile use, ensuring that all features are accessible right from your smartphone or tablet.

User-Friendly Features

We understand that security is a top priority when it comes to banking online. That's why we provide electronic signature authorization, allowing you to sign documents securely without the hassle of printing or faxing. Plus, with e-statements, you can receive your bank statements electronically, making it easy to keep track of your transactions while helping the environment. If you want to send money to friends or family, our person-to-person transfers feature makes it simple and fast. Just enter their information, and you're set! Overall, our digital banking tools at Jolt are designed with you in mind. They're user-friendly and accessible, so you can manage your finances efficiently and confidently. Join us today and experience the convenience of modern banking!

Financial Strength

A Growing Community

Total Share 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 1002 S Washington Ave Saginaw Mi 48601 or call (989) 799-8744 to learn more about how we can help you achieve your financial goals.

Commitment to 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.

Member-Centric Savings

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.

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.

Strong Financial Health

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

Additional Offerings

For those interested in expanding their businesses or investing in new opportunities, our outstanding commercial loans totaling $942,114 provide the capital needed for growth. If you're considering refinancing any of your existing loans or want to explore eligibility options for any of our products, please don't hesitate to reach out. We're here to help guide you through the best choices for your financial situation. For more information about our loan offerings or to start your application today, give us a call at 989-799-8744. You can also visit us online at Jolt's website for details on how we can assist you further. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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. Our flexible terms make it easy to find the right loan that fits your budget.

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 guide you through every step of the process so you can focus on making your house a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $12,048,771 in loans helping members manage their finances effectively. These cards provide an easy way to handle everyday expenses while offering rewards and benefits that suit your lifestyle.

Loan Aggregator

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: Users can access up-to-date loan rates from multiple institutions, helping them make informed decisions. 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!" Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. *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.*

How LendMesh Ensures 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 rigorous sourcing ensures that users receive fair and transparent offers when comparing loans.

JOLT CREDIT UNION