Formerly Catholic Federal Credit Union, as Jolt Credit Union our commitment to this community, our members and our values is a reflection of all that has come before. Originally chartered in 1956 to serve parishioners of St. Mary's Cathedral Federal Credit Union in Saginaw, Michigan, Jolt Credit Union continues to be bolstered by our longstanding philosophy of People Helping People. With a gentle nudge and quickening pace to help you meet the demands of today's busy lifestyles, we go all in to help our members build stronger, happier lives. It is our honor to serve you.
In an ever-evolving financial landscape, choosing the right financial institution is crucial for both individuals and families. Jolt Credit Union stands out as an exceptional choice, offering a range of services tailored to meet the diverse needs of its members. Here are 12 compelling reasons why you should consider becoming a member of Jolt Credit Union.
At Jolt Credit Union, members are at the heart of everything they do. Unlike traditional banks that prioritize shareholders, Jolt operates as a not-for-profit organization. This means that profits are reinvested back into the credit union, leading to better services and lower fees for members.
One of the most attractive features of Jolt Credit Union is its competitive interest rates on savings accounts, loans, and mortgages. Members benefit from higher returns on savings and lower borrowing costs, which can lead to significant savings over time.
Jolt Credit Union offers a wide array of financial services, from checking and savings accounts to personal loans and mortgages. This one-stop-shop approach makes it convenient for members to manage all their financial needs under one roof.
When it comes to fees, Jolt Credit Union is transparent and competitive. Many of the common fees associated with traditional banks, such as monthly maintenance fees and ATM withdrawal fees, are either significantly lower or nonexistent at Jolt. This helps members save money while enjoying essential banking services.
Jolt Credit Union is deeply rooted in the communities it serves. They actively participate in local events and initiatives, promoting financial literacy and supporting local charities. By choosing Jolt, you’re not just making a smart financial decision; you’re also giving back to your community.
6. Personalized Customer Service
At Jolt, members can expect a level of personalized service that is often lacking in larger banks. The staff takes the time to understand individual needs, providing tailored financial advice and support. This commitment to customer service helps to foster long-term relationships with members.
In today’s digital age, convenience is key. Jolt Credit Union offers robust online and mobile banking options that allow members to manage their accounts, pay bills, and transfer funds effortlessly. With a user-friendly interface, banking on the go has never been easier.
8. Financial Education Resources
Jolt Credit Union is committed to empowering its members through financial education. They provide a wealth of resources, including workshops, webinars, and articles, covering topics such as budgeting, saving for retirement, and credit building. This knowledge is invaluable for making informed financial decisions.
9. Flexible Loan Options
Whether you’re looking to buy a new car, finance a home, or fund a personal project, Jolt Credit Union offers flexible loan options tailored to fit your needs. Competitive rates and personalized service make the loan application process straightforward and stress-free.
Jolt Credit Union believes in giving back to the community. They regularly sponsor local events, provide scholarships, and support various charitable organizations. By banking with Jolt, you’re contributing to a culture of community support and development.
Security is paramount when it comes to managing your finances. Jolt Credit Union employs advanced security measures to protect member information and funds. With a commitment to safeguarding your financial assets, you can bank with peace of mind.
Joining Jolt Credit Union is a simple and straightforward process. With minimal membership requirements, nearly anyone can become a member. This accessibility ensures that more people can benefit from the services and advantages that Jolt offers.
Choosing the right financial institution can shape your financial future. With a member-centric approach, competitive rates, a comprehensive range of services, and a commitment to community involvement, Jolt Credit Union stands as a top choice for those looking for a reliable and supportive banking partner. Whether you’re interested in saving for a goal, securing a loan, or simply managing your daily finances, Jolt Credit Union provides the tools and resources to help you succeed. Take the first step towards a better banking experience by considering membership with Jolt Credit Union today.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154
