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National J. a. C. L.

3776 S Highland Dr, Salt Lake City, UT 84106
NCUA Insured4.7 (31 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1987

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

3776 S Highland Dr

Salt Lake City, UT 84106

Service Area

This credit union is located in Salt Lake City and serves members in the UT area. Currently serving 3,087 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.71%

Used Auto Loan

7.40%

Personal Loan

10.46%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in UT

Lowest rates currently reported by credit unions in UT (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.7

31 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Carly Klingler

Carly Klingler

4 months ago

I worked with Celeste last year to get my first auto loan and she made the process go so smoothly! She was timely when responding to my emails, gave me plenty of options that fit my financing budget at the time, and did it all with amazing customer service and kindness. I will definitely be using the JACL CU for the rest of my financing needs!

Lance Hori

Lance Hori

9 years ago

Terri helped me setup a home equity line of credit. The terms of the loan were far better than all other banks, they loaned 100% of the equity in the house and there was no requirement to occupy the house for at least a year. The location is excellent, and the staff is excellent. I will continue to bank here for the rest of my life

Ethan Hirabayashi

Ethan Hirabayashi

5 years ago

The JACL Credit Union offers some of the best customer service. The have reliable staff who are willing to help me out with my banking needs. I appreciate how understanding and friendly they are with me in the office and on the phone. I always recommend there services to my peers.

David Swenson

David Swenson

6 years ago

Teri and Celeste were a pleasure to work with on our mortgage loan. Very friendly and very professional. Information they provided was accurate and easy to understand. I recommend the JACL National Credit Union to anyone looking for a great financial institution.

Coyote8

Coyote8

5 years ago

Nothing but great customer service and products. I have 3 auto loans and a boat loan with NJACLCU and 1 Heloc. All 4 have closed easily without any issues. One car was a cross country purchase. The funds were wired and all I had to do was sign a few papers when I picked up the car. I have never had an issue working with them virtually or on the phone. I do not need to be in Utah to get the most out of the CU. NJACL CU is quickly becoming my main bank.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).