National J. A. C. L. Credit Union Salt Lake City UT | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to National J. A. C. L., your trusted partner in financial services located at 3776 S Highland Dr, Salt Lake City, UT 84106. Established in 1987, we take pride in being a cornerstone of our community, dedicated to serving over 3,090 members with personalized banking solutions tailored to their needs. At National J. A. C. L., we understand that financial decisions can be overwhelming. That's why we focus on building lasting relationships and providing accessible resources to help you achieve your goals. Our total assets exceed $39 million, showcasing our solid foundation and commitment to responsible financial management. With total deposits reaching $2,299,495, our members can trust that their savings are secure and well-managed. Under the leadership of our CEO, Dean Hirabayashi, and Board President, Larry Grant, our team of nine dedicated employees is here to support you every step of the way. Whether you're looking for auto loans of which we currently manage 4,109 or personal banking solutions like checking and savings accounts, we've got you covered. While you can visit us at our branch for face-to-face assistance during our lobby hours from 9:30 AM to 5:30 PM or utilize our drive-thru services from 9:00 AM to 6:00 PM, official correspondence should be sent to the same address: 3776 S Highland Dr, Salt Lake City, UT 84106-3270. Join us as we continue to empower members with financial tools that make a difference. For more information or immediate assistance, feel free to call us at 801-424-5225 or explore our website at http://www.jaclcu.com . Let's work together toward a brighter financial future!

Branch History & Mission

Welcome to the National J. A. C. L., a cornerstone of financial support in Salt Lake City, Utah. Since our establishment in 1987, we have dedicated ourselves to serving our members with integrity and excellence. Located at 3776 S Highland Dr, our branch has witnessed the growth of a vibrant community that values trust and cooperation. As we celebrate over three decades of service, we take pride in our journey from humble beginnings to becoming a significant financial institution with total assets of $39,645,444 and a membership base of over 3,090 individuals. Our mission is simple yet powerful: to provide exceptional financial services while uplifting our community through meaningful outreach and partnerships. At the heart of our operations is a commitment to empower our members. We offer various services, including personal banking, auto loans, mortgages, and credit cards with rewards, all designed with your needs in mind. As technology advances, we ensure that our offerings keep pace; our online banking services allow you to manage your finances anytime, anywhere. Our drive-thru service allows for convenient transactions without leaving your vehicle. While members can visit us at 3776 S Highland Dr Salt Lake City Ut 84106, official correspondence should be sent to 3776 S Highland Dr, Salt Lake City, UT 84106-3270 if it differs from the branch address. Whether you need assistance or have questions, feel free to reach out at (801) 424-5225 during our lobby hours from 9:30 a.m. to 5:30 p.m. on weekdays. We believe that a strong community benefits everyone. Our outreach programs focus on supporting local initiatives and fostering partnerships that help improve lives in Salt Lake City. As we move forward, we remain committed to inclusivity and ensuring that every member feels valued and heard. Join us at National J. A. C. L., where your financial well-being is our priority. Experience the difference of being part of a credit union that genuinely cares about its members and the community it serves. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the National J. A. C. L. branch, your go-to spot for all your banking needs in Salt Lake City, Utah! Located conveniently at 3776 S Highland Dr, our branch is easy to reach whether you're coming from downtown or nearby neighborhoods. As you make your way here, you might pass by familiar local landmarks that make this area vibrant and welcoming. At National J. A. C. L., we understand the importance of accessibility for our members. Our branch is fully compliant with ADA standards, ensuring that everyone can enjoy a hassle-free banking experience. You'll find ample parking available right outside, and our drive-thru service makes it even more convenient for those on the go. We invite you to visit us during our operating hours: our lobby is open from 9:30 a.m. to 5:30 p.m., Monday through Friday, while our drive-up service is available from 9:00 a.m. to 6:00 p.m., making it easy to fit banking into your busy schedule. For any official correspondence, please send mail to our mailing address at 3776 S Highland Dr, Salt Lake City, UT 84106-3270. Should you have any questions or need assistance, don't hesitate to give us a call at 801-424-5225; our friendly staff is always ready to help! Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we offer a range of services designed with your financial needs in mind. Stop by today and see how National J. A. C. L. can support you on your financial journey!

Member Eligibility

At National J. A. C. L., we believe that joining our community means becoming part of something special. If you're looking to become a member, it's as simple as meeting a few friendly eligibility criteria. You can qualify if you live, work, worship, or attend school in the area we serve. We welcome individuals and families alike, making it easy for everyone to benefit from our services. Plus, becoming a member opens the door to a range of financial benefits designed just for you. Ready to get started? Opening an account at National J. A. C. L. is straightforward and can be done with just a few clicks or a quick call. For detailed eligibility requirements, visit us at https://www.jaclcu.com/accounts/shares/ or reach out to us at (801) 424-5225. We're excited to help you take this important step towards better financial health at our branch located at 3776 S Highland Dr Salt Lake City Ut 84106!

Business Banking & Commercial Services

Merchant Services That Work for You

Our merchant services are designed to streamline your payment processing, making it easier for you to focus on what you do best running your business. From credit card processing to online payment solutions, we provide the tools necessary to enhance customer experience and boost sales. At National J. A. C. L., we believe that when businesses grow, communities prosper. Whether you're looking for a loan or need reliable merchant services, we're here to support your journey every step of the way. For more information, visit us at 3776 S Highland Dr Salt Lake City Ut 84106 or give us a call at (801) 424-5225.

Supporting Your Business Growth

Imagine having the financial support you need to expand your operations or invest in new equipment. 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

Connect With Us Today!

At National J. A. C. L., we prioritize making banking easy and accessible for all our members. If you have questions about any of our services or want to get started with an account today, feel free to reach out! Call us at (801) 424-5225 or visit us at 3776 S Highland Dr Salt Lake City Ut 84106 in beautiful Salt Lake City, UT. We look forward to helping you achieve your financial goals!

Convenient Digital Banking

In today's fast-paced world, convenience matters more than ever. With our robust Online & Mobile Banking, managing your finances is just a click away. Whether you're checking balances, transferring funds, or making deposits remotely, our digital features make banking hassle-free. Additionally, we offer traditional services like ATM & Cash Withdrawal Services, along with basic drive-thru banking for quick transactions such as deposits and withdrawals. This ensures that you have multiple ways to access your money when you need it.

Loan Options and Support

Sometimes, life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options provide flexible solutions for managing those costs effectively. Additionally, if you want to earn while you spend, check out our Credit Cards with Rewards, offering benefits that align with your lifestyle. Business owners also find value at National J. A. C. L.. Our Business Banking services, including Merchant Services and Business Loans, are designed to support local entrepreneurs and small businesses in their growth journey.

Personal Banking Solutions

We understand that personal finance can be overwhelming at times. That's why we offer various Checking & Savings Accounts that fit different lifestyles. From managing daily expenses to building a nest egg, our accounts are designed with you in mind. For those considering a new car or needing vehicle repairs, our Auto Loans & Vehicle Financing options make it easier than ever to hit the road without breaking the bank. If homeownership is on your radar, explore our Mortgage Loans & Refinancing solutions that can help you secure your dream home or lower your current mortgage payments.

Digital & Online Banking

Accessible & Secure

Security is a top priority for us at National J. A. C. L.. We use advanced technology to keep your information safe while ensuring that managing your money remains straightforward and efficient. With real-time account management and round-the-clock access, you'll always have peace of mind knowing that your finances are in good hands. Explore all these digital conveniences today by visiting http://www.jaclcu.com and discover how easy banking can be!

Key Features

One of the standout features of our online banking is the ability to set up electronic signatures for various transactions. This means you can sign documents securely without needing to visit the branch in person saving you time and hassle. And if you're looking to stay organized, e-statements are also available, providing you with easy access to your financial statements without the clutter of paper. For those moments when you need to send money quickly, our person-to-person transfer feature allows you to send funds directly to friends or family with just a few taps on your screen. Need to make payments while you're out? Although we currently do not offer mobile payments, our app ensures that all other banking tasks can be completed swiftly and securely.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 4,734, showing a strong and growing member base that trusts us with their finances. Net Shares (funds available for lending and investments) amount to $0, which further enhances our ability to support your needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, National J. A. C. L. is your trusted partner. Visit us at 3776 S Highland Dr Salt Lake City Ut 84106 or call (801) 424-5225 to learn more about how we can help you achieve your financial goals.

Member Savings

Members' savings are secured through $11,520,060 in share certificates and $4,075,287 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.

Operational Efficiency

Our $0 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 4 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $1,830,171 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 $2,641 in used auto loans and $20,347,853 in total loans and leases.

Strong Financial Health

With a net worth of $3,831,462, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $966 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 $5,301,524 in used vehicle loans and $2,653,300 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our flexible terms can fit your budget and lifestyle.

Credit Lines

For those who prefer having immediate access to funds when needed, our credit lines are available with a total amount of $7,400,000. This gives you the flexibility to borrow as much as you need while only paying interest on what you actually use.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $3,410,095, making it easier for you to step into your dream home or refinance your current mortgage for better terms.

Refinancing Options

If you're looking to save on existing loans or credit cards, we also offer refinancing options tailored to fit your needs. Whether it's an auto loan or credit card debt, our team is here to assist you in finding a better rate that can lower your monthly payments and help you pay off debts faster. If you're interested in any of these loan products or want more information about eligibility and application processes, don't hesitate to reach out to us at 801-424-5225 or visit us at our branch located at 3776 S Highland Dr Salt Lake City Ut 84106. 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 help you take the next step towards achieving your financial dreams!

Unsecured Credit Card Loans

Managing everyday expenses just got easier with our unsecured credit card loans. We provide flexible terms on these loans, with a total of $843,789 in unsecured credit card loans helping members manage their finances effectively. This option allows you to handle unexpected costs without the stress of high-interest rates.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help you easily navigate through a variety of loan options, ensuring that you can make informed decisions based on accurate data. 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 commitment ensures that all offers are fair and transparent. LendMesh takes pride in providing verified data, meaning all loan offers come from legitimate financial institutions. By avoiding sponsored listings, LendMesh guarantees that no lender is prioritized based on paid promotions; instead, users receive unbiased results that reflect the best options available. One of the standout features of LendMesh is its real-time rate comparisons. The platform updates loan rates from multiple institutions continuously, which helps users stay informed about the most current offerings. This feature is particularly beneficial for borrowers who want to secure the best possible deal without having to manually check each lender's website. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals achieve their financial goals. Compare real-time loan offers today at LendMesh and find 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.*

NATIONAL J. A. C. L. CREDIT UNION - Salt Lake City, UT