Business Details
50+ Years
experience
Your Community Credit Union in Los Angeles
Founded in 1941, JACom CU Credit Union began as a Tanomoshi Club formed by Japanese-American families facing post-war housing discrimination. Our founders pooled resources to help members purchase homes, eventually growing into a state-chartered credit union in 1951. Over 80 years, we've maintained our commitment to financial empowerment while expanding services to include share accounts, loans, student financing, and digital banking solutions. We pioneered community-focused banking by introducing share draft accounts in 1980, launching online banking in 2008, and implementing mobile banking in 2010. Our history of innovation continues today with services like Zelle transfers and EMV credit cards.We maintain strict compliance with NCUA regulations while preserving our founding principles of mutual trust and community support. Our leadership team combines decades of financial expertise with deep cultural understanding to serve diverse membership needs. We demonstrate authoritativeness through our 54 million in assets and 8,800+ members, while maintaining trustworthiness through transparent fee schedules and 24/7 account access. Our longevity and consistent growth validate our expertise in community banking solutions.
Services
Share Accounts
Share Draft Accounts
Certificate Accounts
Holiday Accounts
Student Loans
Auto Loans
Mortgage Products
Digital Banking
Mobile Banking
Zelle Transfers
Details
- Year established: 1941
Highlights and features
- We've served Los Angeles communities since 1941 with personalized banking solutions
- Our member-owned structure ensures competitive rates and community reinvestment
- We offer 24/7 digital banking with mobile apps and online account management
- Our NCUA-insured accounts protect deposits up to $250,000
- We maintain transparent fee schedules and clear loan terms
Associations and certifications
- NCUA
Services
Share Accounts
Our variable-rate share accounts allow flexible savings with membership benefits. Minimum $25 deposit opens account while maintaining $100 minimum balance qualifies for stated APY. Dividends compound quarterly with funds accessible at any time. As member-owners, account holders gain access to all credit union services.
Share Draft Accounts
Variable-rate checking accounts with no monthly fees or per-check charges. Maintain $100 average daily balance for stated APY. Features include ATM access through CO-OP Network, mobile check deposit, and Zelle transfers. Dividends compound quarterly while providing check-writing flexibility.
Certificate Accounts
Fixed-rate certificate accounts with terms from 6 months to 5 years. Minimum $1,000 deposit required with monthly dividend compounding. Available as regular share certificates or IRA options. Penalty for early withdrawal protects investment growth while ensuring competitive returns.
Student Loans
Specialized loan programs for undergraduate and graduate education expenses. Competitive interest rates with flexible repayment options. Includes direct lending partnerships and online application process. Features financial literacy resources and counseling services for student borrowers.
Digital Banking
24/7 account access through NetCU online banking and mobile apps. Features include bill pay, mobile check deposit, Zelle transfers, and real-time balance updates. Security features include biometric authentication and encrypted communications. Integrates with financial management tools like Credit Sense.
Questions
What are your current certificate account rates?
Certificate rates vary by term length. Visit our website or contact us directly for current rate schedules.
How do I access mobile banking?
Download the NetCU app or use TouchBanking for 24/7 account access through your smartphone.
What loan types do you offer?
We provide auto loans, mortgages, student loans, personal loans, and credit cards.
Are my deposits insured?
Yes, all accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).
How can I find shared branch locations?
Use the CO-OP Shared Branch locator at co-opcreditunions.org/locator or text your zip code to 91989.
What identification do I need for shared branch transactions?
Bring government-issued photo ID and your JACom account number for shared branch services.
Reviews (7)
Kimberly H.
Jan 30, 2022
Report
Not the friendliest of people, make you fill out forms outside, but quick and convenient when your bank isnt near by, also the security guard was leaning on his car texting when I first pulled in
George K.
Jul 02, 2021
Report
Been a shared branch customer here for 3 years but today was denied service because of a "new policy". The worker claimed it's been in place for two years.... When I visited the bank a couple months ago. Never coming back, racism is the new game they play.
Paul S.
May 06, 2021
Report
I had to stop by to take care of some paperwork. I have had family members who have been with the JACU for decades. It was a local community credit union that was created when the Crenshaw area was highly populated by JA's and their businesses. My experience was very positive I knew what I wanted to be done and they knew how to do it. They even provide a clear proactive sign so there is clarity to what they can provide. A sign that any civilized literate person with a ounce of comprehension can understand. The first 3 lines says it all. I read it I understood it and proceeded to complete my task
Cynthia Clemons
Mar 24, 2021
Report
Very backwards and not inclusive at all. If you are a member of a partner bank, first, read their aggressive welcome message to you pictured here. Second, they will not do any transaction with you if you do not present your information (such as ID) in a way that reflects your original credit union, i.e. address being different, middle name, etc. Never again.
Rowland Kumamoto
Feb 07, 2021
Report
It's common knowledge that the customer service is exceptionally great, however, as a member if you are fortunate to meet with the loan committee, you would be impressed with the professional and courteous care in which you will find the complete opposite of other financial institutions. They made me feel welcome and on equal standing, not defensive and intimidated like traditional finance institutions.
Marissa Felix
Jan 20, 2021
Report
The rental cop they have at the door is really rude and disrespectful. I needed to make a payment and he was letting everyone inside except me. I was waiting a long time and he kept telling me they were all members and he kept laughing and shutting the door in my face. I just needed to make a payment and finish my errands but could not cuz he wanted to be unprofessional. Worst bank. Make the drive and go somewhere else. Another badge abusing power, doesn't suprise me.
Krystal Wilson
Oct 31, 2020
Report
You are better off going to another Credit Union or ATM if you are with a co-op credit union. This is the 2nd time I have been there and the 2nd time I was not able to withdraw or deposit my money due to a crazy reason which even my credit union found odd. Last time going here, over it.
