Southern Chautauqua Credit Union Jamestown NY | Low Mortgage Rates & Business Banking

Introduction

At Southern Chautauqua, we believe in the power of community and the strength that comes from supporting one another. Located at 1283 E 2Nd St, Jamestown, NY 14701, our credit union has been a trusted financial partner for families and businesses since 1954. With a commitment to serving our 19,487 members, we are proud to offer personalized banking solutions that meet your unique needs. Our total assets of $148,727,191 and robust deposits totaling $4,710,914 reflect our stability and reliability. We also maintain a strong net worth of $23,817,206, ensuring that your funds are safe and secure. At Southern Chautauqua, we understand that financial health is essential for personal growth and community development. While members can visit us at our branch location, official correspondence should be sent to the same address: 1283 E 2nd St, Jamestown, NY 14701. Our team is here to assist you with a range of services, including auto loans, mortgages, personal loans, and more all designed to help you achieve your financial goals. Led by our dedicated CEO John Felton and Board President William Caldwell, our team of 74 employees is committed to providing exceptional service and building lasting relationships within our community. We invite you to explore the various ways Southern Chautauqua can support your financial journey. Whether you're looking to open an account or need assistance with a loan application, we're just a phone call away at 716-665-7000. Join us today as we continue to grow together! For more information on how we can help you thrive financially, visit our website at www.665-7000.com.

Branch History & Mission

Join Us Today!

As you consider your financial future, we invite you to join Southern Chautauqua. Experience personalized service from a team that truly cares about your success. Whether you're looking to open an account or explore loan options, we're here to help you every step of the way. Contact us today at 716-665-7000 or visit our website at www.665-7000.com to learn more about how we can assist you in reaching your goals!

Our Mission

The mission of Southern Chautauqua is clear: we strive to enhance the financial well-being of our members while actively supporting the communities we serve. We believe in fostering relationships based on trust and respect. Our dedicated team works tirelessly to ensure that every member feels valued and understood. We are not just here for transactions; we are here for transformations helping you navigate life's financial journey with confidence. In addition to our core financial services, we have embraced modern advancements like online banking and mobile payments, ensuring accessibility and convenience for all members. Our commitment extends beyond banking; we are actively involved in community outreach initiatives that aim to uplift local organizations and support those in need. While members can visit us at 1283 E 2Nd St for their banking needs, official correspondence should be sent to the same address as our mailing address: 1283 E 2nd St, Jamestown, NY 14701.

Branch Location & Accessibility

Connect with Us

If you have questions or need assistance, don't hesitate to give us a call at 716-665-7000. Our team is always happy to help! While members can visit us at our branch address for all their banking needs, please note that official correspondence should be sent to our mailing address at 1283 E 2nd St, Jamestown, NY 14701. We invite you to stop by Southern Chautauqua today! Experience personalized service in a welcoming environment we look forward to seeing you soon!

Operating Hours

Our friendly staff is here to assist you during convenient hours: Monday through Wednesday from 9:00 AM to 4:30 PM, Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM to noon. We're dedicated to making your banking experience as smooth as possible!

Parking and Accessibility Features

We understand that convenience is key. That's why we offer ample parking right at our doorstep, ensuring a hassle-free visit. Our branch is fully compliant with ADA standards, featuring ramps and accessible entrances so everyone can enjoy our services comfortably.

Services Offered

At Southern Chautauqua, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need quick access? Our drive-thru service allows for easy deposits and withdrawals without leaving your vehicle. Plus, enjoy the convenience of ATM access for balance checks and cash withdrawals anytime.

Member Eligibility

Joining the Southern Chautauqua community means becoming part of a supportive network where your financial well-being is our priority. To become a member at Southern Chautauqua, you simply need to meet a few friendly eligibility criteria. Whether you're a resident of Chautauqua County, work in the area, or have family members who are already members, we welcome you with open arms! For more specific details on what qualifies you for membership, feel free to check out our eligibility guidelines at this link. Opening an account is just as easy! You can start your journey toward membership and enjoy benefits like competitive rates on loans and personalized service by visiting us at our branch located at 1283 E 2Nd St, Jamestown, NY 14701. If you have any questions or need assistance, don't hesitate to give us a call at 7166657000. We're excited to help you take this important step towards securing your financial future with us!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we strive to provide flexible financing solutions that cater to the needs of all local businesses in our community.

Merchant Services

Imagine streamlining your payment processes and enhancing customer satisfaction with efficient merchant services. At Southern Chautauqua, we help businesses accept payments easily, allowing you to focus on what matters most growing your business. Our merchant services can simplify transactions, making it easier for your customers to shop with you. If you're located in the heart of Jamestown at 1283 E 2Nd St Jamestown Ny 14701, stop by or give us a call at (716) 665-7000. Let's work together to fuel your business ambitions!

Comprehensive List Of Services

Business Banking Services

For our business-minded members, we offer robust banking solutions as well. Our business banking services, including merchant services and business loans, empower local entrepreneurs to thrive in their ventures. We understand how vital it is for businesses to have reliable financial support.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide comprehensive online and mobile banking options. You can check your balance, transfer funds, or pay bills right from your smartphone or computer anytime and anywhere!

Personal Banking Solutions

When it comes to personal banking, we provide options that cater to everyone. Our checking and savings accounts make managing your finances straightforward and convenient. You can easily access your funds with our ATM and cash withdrawal services, or utilize our basic drive-thru banking for quick transactions like deposits and withdrawals. If you're considering purchasing a vehicle, our auto loans and vehicle financing are here to help. Imagine driving off in your dream car with a loan that fits your budget! For those looking to invest in a home or refinance their existing mortgage, our mortgage loans come with competitive rates and flexible terms tailored just for you.

Support for Your Financial Journey

Life can be unpredictable, which is why our personal loans provide an excellent option for debt consolidation or unexpected expenses. With easy application processes and clear terms, getting the assistance you need is hassle-free. Our members also benefit from credit cards offering rewards. Whether you're making everyday purchases or planning a special trip, these cards can help you earn back on what you spend.

Visit Us Today!

At Southern Chautauqua, we believe in providing not just services but experiences that empower our members financially. If you have questions about any of our offerings or want to learn more about how we can assist you on your financial journey, don't hesitate to reach out! Call us at 716-665-7000 or visit us at our branch in Jamestown. We're here to help you succeed!

Digital & Online Banking

User-Friendly Features

We prioritize your security while keeping things user-friendly. You can sign documents electronically with our electronic signature authorization feature, making it easier than ever to handle important transactions securely. Plus, enjoy the benefits of e-statements which allow you to manage your finances more efficiently without the clutter of paper statements. For those on the go, our mobile application offers all the features of online banking right in your pocket. With mobile payments enabled, you can make purchases quickly and securely using just your smartphone. We also provide person-to-person transfers for those moments when you need to send money to friends or family instantly. In short, Southern Chautauqua is committed to providing accessible and straightforward digital banking solutions that cater to your needs. Whether you're at home or out and about, managing your finances has never been easier!

Financial Strength

At Southern Chautauqua, 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 understand the importance of trust when it comes to managing your finances, which is why we continuously strive to demonstrate our strong financial health. With a net worth of $23,817,206, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 16.01% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This level of stability means you can rely on us for your banking needs with confidence. Members' savings are secured through $27,848,290 in share certificates and $13,146,574 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $7,515,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $17,433,429 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 your financial goals across various sectors with $34,400 in used auto loans and an impressive total of $116,863,727 in loans and leases. Although our current net income stands at $0, this reflects our commitment to reinvesting in the community rather than focusing solely on profit. We also take pride in having 70 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our net shares available for lending and investments total $221,591, while our total share accounts have grown to 41,663, showcasing a strong 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, Southern Chautauqua is your trusted partner. Visit us at 1283 E 2Nd St Jamestown NY 14701 or call 716-665-7000 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 $53,544,597 in used vehicle loans and $11,859,649 in new vehicle loans already helping members get on the road. We also provide options for refinancing existing auto loans, making it easier for you to lower your monthly payments or secure better terms.

Credit Lines

For those looking for flexibility in managing expenses, our credit lines total $20,900,000. This product can provide a safety net for unexpected costs or help with larger purchases that require more than just savings.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,720,225, make buying or refinancing simple. We offer various eligibility options and can guide you through the refinancing process if you already have a mortgage with another lender.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans; however, currently, we do not have any outstanding balances in this category. This means you're starting fresh without any previous debt affecting your credit. We invite you to visit us at our branch located at 1283 E 2Nd St, Jamestown NY 14701 or give us a call at 716-665-7000 during our operating hours: M-W 9:00 AM - 4:30 PM; TH 9:00 AM - 5:00 PM; F 9:00 AM - 5:30 PM; Sat 9:00 AM - 12:00 PM. Our knowledgeable staff is ready to assist you with any questions about our loan offerings and help determine which option best fits your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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SOUTHERN CHAUTAUQUA FEDERAL CREDIT UNION - Jamestown, NY

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