How can I join the National JACL Credit Union? Write or call us at (800) 544-8828 or (801) 355-8040 - we will send the necessary forms. It may be necessary to join your local JACL chapter. See National JACL website for details.   Are credit union savings accounts safe? Each account is insured up to $100,000 by the NCUA, a federal agency of the U.S. government. It is similar to FDIC insurance for banks.   How do our loan rates compare with other institutions? The credit union rates are very competitive. Rates are constantly changing and can vary widely. Click here or call us for current rates.   Can I have more than one loan at a time? Members may carry several loans concurrently; however, the total of all loans may not exceed $50,000 plus share amounts.   How fast can a loan be made? Once the credit union has the approved loan application in hand, it is often possible to have the loan completed the same day.   Are there hidden charges on a credit union loan? No, the interest rate charged covers all costs of preparing the loan. Loans are simple interest with no pre-payment penalty.   Can someone else sign with me for a loan? Yes, this is a co-signer loan. It is used to increase borrowing power and to provide added security. Remember, co-signers are responsible for the loan is case of default.   What kinds of insurance are available from the credit union? The following insurance is available for a nominal charge: Accidental death and dismemberment / Cancer and intensive care / Credit disability / Credit life National JACL Credit Union 3776 S. Highland Dr., Salt Lake City, Utah 84106 P.O. Box 526178, Salt Lake City, Utah 84152 801-424-JACL (5225) / 800-544-8828 / Fax: 801-424-5220 Teller: 801-424-5222 E-Mail: jaclcu@jaclcu.com