S And J School Employees Credit Union Wintersville OH | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to S And J School Employees, your trusted financial partner located at 734 Main St, Wintersville, OH 43953. Since our establishment in 1966, we have been committed to serving our community with integrity and dedication. As a member-focused credit union, we proudly support over 654 members by providing personalized banking solutions that meet their needs. At S And J School Employees, we understand the importance of financial stability and growth. With total assets amounting to an impressive $3,245,096, we are well-equipped to offer a variety of services, including auto loans, mortgage refinancing, personal loans, and more. Our dedicated team, led by CEO Lisa Callahan and Board President Timothy Fisher, is here to ensure that your experience with us is seamless and fulfilling. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 2161, Wintersville, OH 43953. We also invite you to explore our website at sjschoolsfcu.com for more information about our services. With total deposits reaching $406,613 and cash reserves of $13,157, we take pride in maintaining a strong financial foundation. Our commitment to responsible lending has resulted in a total of 203 loans issued to help members achieve their goals. We believe in making a positive impact in our community through reliable financial services tailored just for you. Whether you're looking for everyday banking options or specialized loans, we're here to assist you every step of the way. Feel free to reach out at 740-266-6354 or visit us during our operating hours from Monday to Friday between 10:30 am - 5:00 pm (with summer hours from 9:30 am - 4:00 pm). Join us today and experience the difference that comes with being a part of S And J School Employees Credit Union!

Branch History & Mission

At S And J School Employees, we take pride in our rich history and unwavering commitment to the community. Founded in 1966, our credit union has grown significantly over the years, evolving from a small financial institution into a vital resource for over 654 members in Wintersville, OH. Located at 734 Main St, we are not just a branch but a cornerstone of support for those who work in education and their families. Our mission is simple yet profound: to provide accessible financial services while fostering a sense of community among our members. We believe that everyone deserves the chance to thrive financially. This belief drives us to offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. We also prioritize online and mobile banking options, ensuring that our members can manage their finances conveniently. While members can visit us at 734 Main St, official correspondence should be sent to PO Box 2161, Wintersville, OH 43953. Our branch operates during normal hours from Monday to Friday, 10:30 am to 5:00 pm, with extended summer hours from 9:30 am to 4:00 pm. Unfortunately, we currently do not have ATM or drive-thru services available. Throughout our journey, we have maintained a strong focus on community outreach. We partner with local schools and organizations to support educational initiatives and provide financial literacy programs that empower our members and their families. Our total assets stand at an impressive $3,245,096, reflecting our solid foundation and dedication to serving our members' needs effectively. At S And J School Employees, we understand that banking is about more than just transactions; it's about building relationships and supporting one another. We invite you to join us and experience the benefits of being part of a credit union that truly cares about your financial well-being. Come visit us today or explore more about our services on our website at sjschoolsfcu.com. Your journey towards better financial health starts here!

Branch Location & Accessibility

Accessibility Features

We pride ourselves on being accessible to all our members. Our facility complies with ADA standards and features ramps for ease of access. Whether you're visiting for personal banking or exploring loan options, you'll find ample parking available right outside our doors.

Operating Hours

We're here for you during our normal hours from Monday through Friday, opening at 10:30 AM and closing at 5:00 PM. In the summer months from mid-June to mid-August, we adjust our hours slightly to better serve your needs opening at 9:30 AM and closing at 4:00 PM.

Services Offered

At S And J School Employees, we offer a wide array of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we've got something for everyone. Need help with business banking? Our team is ready to assist with merchant services and business loans as well! While we currently don't have an ATM or drive-thru service available, we're dedicated to ensuring your experience inside the branch is smooth and welcoming. If you're looking for personalized service from a team that truly cares about your financial wellness, come visit us! Feel free to call us at 740-266-6354 if you have any questions or need assistance before your visit. We can't wait to help you achieve your financial goals!

Member Eligibility

Becoming a member of S And J School Employees is like stepping into a welcoming community where your financial needs are prioritized. If you're looking to join us, you'll find that eligibility is designed to be inclusive and straightforward. Generally, individuals who are employees or family members of the organizations we serve can become members. This means if you work in education or have a loved one who does, you're likely eligible! For more detailed information about our eligibility criteria, feel free to visit this page. Opening an account with S And J School Employees is just as easy as becoming a member. Our friendly team is ready to assist you through the process, ensuring that you feel comfortable every step of the way. Plus, by becoming part of our credit union family, you'll enjoy various benefits like personalized banking services and competitive loan rates. If you have any questions or need assistance, don't hesitate to give us a call at (740) 266-6354. We're excited to welcome you to our community at 734 Main St Wintersville Oh 43953!

Business Banking & Commercial Services

Commercial Loan Options

Imagine securing the funds to launch a new product line or expand your operations. With our commitment to supporting businesses, we've funded over $0 in commercial loans for our members, helping them scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that can help bring your business goals to life.

Merchant Services

In today's fast-paced marketplace, efficient payment processing can make all the difference. Our merchant services simplify transactions, allowing you to focus more on what you do best running your business. You can provide your customers with smooth checkout experiences while keeping track of sales effortlessly. Visit us at 734 Main St Wintersville Oh 43953 in Wintersville, OH, or call us at (740) 266-6354 to learn how our business banking and commercial services can empower your growth journey!

Comprehensive List Of Services

Accessing Cash Made Easy

While we currently do not offer ATM services at this branch, we ensure that cash withdrawal services are available through various means so that you can access funds when needed without hassle.

Business Banking Services

Are you a small business owner? We know how important it is to have reliable banking support. Our business banking services include merchant services and business loans, allowing you to focus on growing your business while we take care of your financial needs.

Credit Cards and Rewards

Who doesn't love rewards? With our credit cards, you can earn benefits while making everyday purchases. Whether it's for groceries, travel, or unexpected expenses, our credit cards with rewards ensure that every dollar spent brings value back to you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why S And J School Employees provides robust online and mobile banking options. Whether you're checking your balance, transferring funds between accounts, or paying bills from the comfort of your home, our digital banking features make managing your money easy. You can access your account anytime, anywhere.

Get Started Today!

We invite you to explore all these services and more at S And J School Employees Fcu. Our friendly staff is ready to assist you with any questions or concerns you might have about your financial journey. Feel free to call us at (740) 266-6354 during normal hours (Monday - Friday 10:30 am - 5:00 pm) or visit us in person! Your financial well-being is our priority, and we look forward to serving you soon!

Personal Banking Solutions

Managing your finances can sometimes feel overwhelming. At S And J School Employees, we offer various personal banking solutions tailored to fit your lifestyle. You can open checking and savings accounts that help you save for that dream vacation or a new car. If you're looking to finance a vehicle, our auto loans and vehicle financing options are here to help you hit the road without breaking the bank. For those considering homeownership or needing to refinance, our mortgage loans provide competitive rates and terms, making it easier for you to own a home or lower your monthly payments. We also offer personal loans and debt consolidation options if you're looking to simplify your finances.

Digital & Online Banking

Key Features

Our online banking platform offers 24/7 access to your account information, allowing you to check balances, view transactions, and manage payments at your own pace. With the option for e-statements available, you can say goodbye to paper clutter while still keeping track of your financial records securely. This feature not only saves trees but also gives you instant access to your statements whenever you need them. While we currently do not offer mobile payments or a mobile application, our online banking service is user-friendly and accessible from any device with internet connectivity. You can easily transfer funds between accounts or make payments without the hassle of visiting a branch. Though person-to-person transfers aren't available at this time, our focus remains on providing a safe and straightforward online experience. Security is a top priority; we ensure that your personal information is protected while you enjoy the benefits of digital banking. At S And J School Employees, we aim to empower our members by providing easy-to-use tools that help you manage your finances efficiently. Whether you're checking in on your accounts or reviewing recent transactions, our online banking services are here to support your needs every step of the way. Explore all these features today by visiting us at https://www.sjschoolsfcu.com/!

Financial Strength

Dedicated Team

We take pride in having 3 full-time employees and 1 part-time employees who are dedicated to serving you with knowledge and commitment. Our team is always ready to assist you with any questions or concerns you may have regarding your finances.

Growing Membership Base

With total share accounts reaching 843, our strong and growing member base reflects the trust you place in us as your financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, S And J School Employees is your trusted partner. Visit us at 734 Main St Wintersville Oh 43953 or call (740) 266-6354 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.*

Lending Capacity

We support your financial goals with $93 in used auto loans and $2,156,088 in total loans and leases. This wide lending capacity ensures that whether you're buying a car or pursuing other personal projects, we're here to help you every step of the way.

Member Savings and Investments

Members' savings are secured through $5,082 in share certificates and $48,073 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.

Reinvesting for Your Benefit

With $275,455 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $3,403 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Strong Financial Foundation

With a net worth of $290,927, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.97% 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 $1,310,309 in used vehicle loans and $324,516 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 and competitive rates make it simple to drive away happy.

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 personalized service to ensure that you understand all your options, whether you're purchasing your first home or looking to refinance an existing mortgage.

Other Financing Options

In addition to auto and mortgage loans, we offer credit lines totaling $184,000 that can help you access funds as needed without the hassle of applying for a new loan each time. These lines of credit are perfect for those who want quick access to cash for emergencies or larger purchases. Whether you're planning for an exciting purchase or looking to consolidate debt, our team at S And J School Employees is committed to providing tailored solutions that fit your needs. Our services extend beyond just loans; we aim to support your overall financial journey. For more information on our loan products and how they can benefit you, feel free to contact us at (740) 266-6354 or visit us at our branch located at 734 Main St Wintersville Oh 43953 in Wintersville, OH. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial well-being is our priority!

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option provides you with added flexibility when unexpected costs arise.

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 users navigate the complex world of lending with ease. LendMesh ensures accurate loan comparisons by sourcing data 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 means that users can trust the information they see, knowing it reflects fair and transparent offers. One key benefit of using LendMesh is its commitment to Verified Data. All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh features No Sponsored Listings. Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh's focus is solely on providing unbiased results for users. With Real-Time Rate Comparisons, users gain access to up-to-date loan rates from multiple institutions, enabling informed decision-making. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly LendMesh truly is. If you are looking to compare real-time loan offers tailored to your needs, visit LendMesh today. It's an easy way to find the best rates available for you. *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.*

S AND J SCHOOL EMPLOYEES FEDERAL CREDIT UNION - Wintersville, OH

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