Loans

JACFCU currently offers the following types of loans

  • New & Used Auto
  • Share Secured: Uses funds deposited in your account as collateral.
  • Signature Loans: Personal loans with no collateral.
  • First Mortgage: The primary mortgage on a home you already own.
  • Home Equity: A secondary mortgage; borrow up to 80% of equity.
  • Lines of Credit: To cover overdrafts, or to have credit ready when you need it.

The Credit Union charges the following loan fees:

  • Preparing and Filing Discharge of Mortgage - $50.50
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Pay Your Loan Online

Payment Portal

You can now call or go online to make payments with your debit card or e-check to Jamestown Area Community Federal Credit Union!

  • Pay your Loans online with a credit/debit card or e-check from another institution.
  • Please allow up to 2 business days for payments to process.
  • Note: Accounts are not updated in real time.
  • Transaction limits may be imposed; limits may vary per transaction. A fee will be charged to process any transaction. *Limits and fees are subject to change without notice.
  • Call (716) 483-1650 to call-in your transaction. To avoid any fees you can still make payments directly from your credit union shares in Online Banking.
  • You will be asked for your Member Number, which is the account number of your loan, as well as the suffix of your loan.
  • We’re concerned about security so all information is encrypted.
  • You are protected by a secure SSL/256 bit encryption connection.
  • Session time is limited to 15 minutes. Each session will time out after 15 minutes to safeguard your information should you be called away or forget to log out.

Smart Wheels

A Smart Wheels loan...the wiser choice in new and pre-owned vehicle financing!

How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing! Sound too good to be true? Well, JACFCU has the vehicle financing answer for you .... a Smart Wheels loan!

A Smart Wheels loan gives you the best of both worlds. Like a lease, Smart Wheels offers payments considerably lower than conventional financing. Yet, unlike leasing, with Smart Wheels you own the vehicle and have all of the flexibility and benefits that come with vehicle ownership!

All new and up to five-year old cars, vans, and light trucks qualify for Smart Wheels financing. All vehicles can be financed for up to 72 months! Other benefits of a Smart Wheels loan include:

  • No Capitalization Fees
  • No Application Fee
  • No Security Deposit
  • No Up Front First or Last Payment
  • Option to Sell, Trade, Finance Vehicle Anytime or
  • Return Vehicle at Loan Maturity and simply "Walk-away".
  • No Early Payoff Penalty
  • 100% Financing with NO MONEY DOWN.
  • Mileage Options of 12,000, 15,000 and 18,000* Per Year Available