St. James Parish Cincinnati OH Credit Union | Affordable Auto Loans & Business Banking

Introduction

At St. James Parish Credit Union, we believe in the power of community and the importance of building strong relationships with our members. Established in 1939, our branch located at 6195 Cheviot Rd, Cincinnati, OH 45247 has been a trusted financial partner for over eight decades. With a commitment to providing exceptional service, we take pride in serving our 801 members while managing total assets of $5,751,693. Our mission is to ensure that your financial needs are met with care and expertise. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. With total deposits of $227,571 and a net worth of $1,194,371, we have the financial strength to support your goals. Led by our dedicated CEO, Debbie Schuster, and Board President Richard Betsch, our team is here to guide you through every step of your financial journey. We prioritize transparency and trustworthiness, allowing you to feel secure as you manage your finances with us. For any official correspondence, please note that while you can visit us at our branch address, mail should be sent to 6195 Cheviot Rd, Cincinnati, OH 45247-6120. Our lobby hours are convenient too open Monday through Friday from 9 AM to 3 PM and on the first Saturday of each month from 9 AM to 1 PM. We invite you to reach out at (513) 385-5921 or visit our website at stjpcu.com for more information on how we can assist you today! Join us as we continue to make a positive impact in our community through reliable financial services tailored just for you.

Branch History & Mission

St. James Parish Credit Union, located at 6195 Cheviot Rd in Cincinnati, Ohio, has been a cornerstone of the community since it first opened its doors in 1939. With over eight decades of dedicated service, our branch has evolved alongside the needs of our members and the community we serve. Today, we proudly support a total membership of 801 individuals, helping them achieve their financial goals through personal banking services and community-focused initiatives. Our mission is simple yet profound: to empower our members by providing accessible financial services while fostering a sense of belonging and support within our community. We strive to offer competitive rates on auto loans, mortgages, and other personal loans, ensuring that everyone has the opportunity to thrive financially. As a not-for-profit organization, every dollar earned is reinvested back into our services or returned to our members in the form of lower fees and better rates. Over the years, St. James Parish has built a rich legacy by forging partnerships with local organizations and participating in community outreach efforts. We are committed to supporting local events and initiatives that uplift our neighborhood and enhance the lives of those around us. Whether it's through financial literacy programs or charitable donations, we believe in giving back to the community that has supported us. To accommodate our members' needs, we offer drive-thru banking services for those who prefer quick transactions without leaving their vehicles. Our operating hours are designed with convenience in mind: Monday through Friday from 9 AM to 3 PM and the first Saturday of each month from 9 AM to 1 PM. While members can visit us at 6195 Cheviot Rd, official correspondence should be sent to our mailing address at 6195 Cheviot Rd, Cincinnati, OH 45247-6120. At St. James Parish Credit Union, we understand the importance of adapting to modern technology while ensuring accessibility for all. Although we currently do not offer ATM services or online banking options, we remain committed to enhancing our member experience as technology evolves. We invite you to join us at St. James Parish Credit Union and become part of a financial family that truly cares about your well-being. Experience firsthand how our personalized approach can make a difference in your financial journey. For more information about our services or to speak with one of our friendly staff members, please call us at 513-385-5921. Together, let's build a stronger community!

Branch Location & Accessibility

Welcome to the St. James Parish Credit Union, located at 6195 Cheviot Rd in Cincinnati, OH. Our branch is conveniently situated near local landmarks, making it easy for you to find us while you go about your day. Whether you're picking up groceries or visiting nearby parks, a quick stop at our credit union can help you manage your finances efficiently. At St. James Parish, we prioritize accessibility for all members. Our facility is designed to accommodate everyone, featuring ADA-compliant entrances and ramps. Parking is readily available, so you won't have to worry about finding a spot when you visit us. We understand that your time is valuable, which is why we offer flexible banking hours. You can come by Monday through Friday from 9 AM to 3 PM, and we're open on the first Saturday of each month from 9 AM to 1 PM. If you need assistance or have questions, feel free to give us a call at 513-385-5921. While we currently do not have ATM services on-site, our drive-thru banking allows for easy deposits and withdrawals without having to leave your vehicle. This feature provides a convenient way to handle simple transactions quickly. If you need to send official correspondence, please use our mailing address: 6195 Cheviot Rd, Cincinnati, OH 45247-6120. We invite you to come by and discover how St. James Parish Credit Union can serve your financial needs. We look forward to welcoming you!

Member Eligibility

At St. James Parish, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family that truly cares for your financial well-being. To become a member, you simply need to meet a few eligibility criteria. If you live, work, worship, or attend school in the Hamilton County area, you're already on the right path! We welcome individuals from all walks of life, and our friendly team is here to guide you through the process of membership. For detailed information on eligibility, feel free to visit this resource. Opening an account with us is straightforward and hassle-free. Just stop by our branch at 6195 Cheviot Rd, Cincinnati, OH 45247, or give us a call at 513-385-5921 for assistance. Our operating hours are Monday through Friday from 9 AM to 3 PM and the first Saturday of each month from 9 AM to 1 PM. We look forward to welcoming you into the St. James Parish family and helping you achieve your financial goals!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $99,365, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, efficient payment processing is essential for any business. Our merchant services allow you to accept payments seamlessly, whether in-store or online. This means your customers can easily make purchases when it suits them best, enhancing their experience and boosting your sales. Visit us at 6195 Cheviot Rd, Cincinnati, OH 45247, or call us at 513-385-5921 to learn how we can help your business thrive! For more details about our offerings, check out our website.

Comprehensive List Of Services

Accessing Cash Made Easy

While we currently do not have ATMs available at our location, our drive-thru service offers basic banking transactions such as deposits and withdrawals. This ensures that even simple banking needs can be met quickly and efficiently without stepping inside the branch. At St. James Parish, we pride ourselves on creating an inclusive community where financial wellness is within everyone's reach. With dedicated staff available at 513-385-5921, we're here to answer any questions or help you find the right service for your needs. Ready to explore how we can assist you? Visit us today at 6195 Cheviot Rd or check out our website at stjpcu.com for more information!

Business Banking Services

For our business members, we offer specialized banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're committed to helping your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking services that allow you to manage your accounts from anywhere. You can easily check balances, transfer funds, and pay bills without needing to visit the branch during office hours.

Credit Cards with Rewards

Imagine earning rewards just by using your credit card for everyday purchases! Our credit cards come with rewards programs that let you earn points on transactions, providing added value for being a member of St. James Parish.

Home Financing

For those considering homeownership or refinancing, our mortgage loans provide competitive rates and personalized service. We understand that buying a home is a significant milestone, and we're here to guide you through every step of the process.

Personal Banking Solutions

Whether you're looking to open a checking account for everyday expenses or want to set up a savings account for future goals, St. James Parish has got you covered. Our personal banking services are designed with you in mind. If you're planning to buy a new car, consider our auto loans and vehicle financing options that make it easier than ever to drive away in your dream vehicle.

Personal Loans

If you're facing unexpected expenses or want to consolidate debt, our personal loans can offer the flexibility you need. We strive to make borrowing straightforward and accessible, ensuring you feel supported along the way.

Digital & Online Banking

Key Features

With our online banking services, you can enjoy real-time account management. While e-statements are not available at this moment, you can still access your account information whenever needed. Plus, our electronic signature authorization feature allows you to complete transactions securely without needing to visit a branch. For those looking to send money quickly, we currently do not offer person-to-person transfers. However, our drive-thru service provides a convenient option for basic transactions like deposits and withdrawals during lobby hours. You can reach out to us anytime at (513) 385-5921 if you have questions about your account or need assistance. Our commitment is to make your banking experience as smooth as possible. We look forward to serving you with dedication and care at St. James Parish!

Financial Strength

At St. James Parish, 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 are proud to share our financial strength with you, which reflects our commitment to providing reliable services and support. With a net worth of $1,194,371, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 20.77% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,492,765 in share certificates, 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. With $1,151,238 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our total loans and leases amount to $3,441,119, including $115 in used auto loans that support your financial goals across various sectors. Our net income of $43,133 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 1 full-time employee and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 1,003, showcasing a strong and growing 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, St. James Parish is your trusted partner. Visit us at 6195 Cheviot Rd Cincinnati Oh 45247 or call 513-385-5921 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 provide some of the lowest rates in the industry. We have already issued $1,590,012 in used vehicle loans and $628,292 in new vehicle loans, helping our members get on the road confidently. Whether you're purchasing a brand-new vehicle or a reliable used one, we can guide you through the process and offer competitive terms.

Business Financing

For business owners, we have outstanding commercial loans totaling $99,365 available to provide the capital needed to grow and expand your business. We understand that every business is different; therefore, our lending team is here to discuss customized solutions that suit your specific needs.

Credit Lines and Unsecured Credit Cards

We also provide flexible terms on credit lines with a total of $500,000 available for our members looking for extra financial flexibility. Additionally, while we currently do not have unsecured credit card loans available at this time, our team is here to assist you with other financing options that may meet your needs. At St. James Parish, we prioritize making the borrowing experience as easy as possible for our members. If you're interested in exploring refinancing options or determining eligibility for any of our loan products, please don't hesitate to reach out. For more information or to speak with one of our knowledgeable representatives, contact us at (513) 385-5921 or visit us at 6195 Cheviot Rd Cincinnati Oh 45247. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Property loans totaling $913,967. These loans are structured to fit your budget and help you secure your dream home without unnecessary stress.

Loan Aggregator

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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 to using verified institutions ensures fair and transparent offers for users.

St James Parish