# Niigata Shinkin Bank > Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-07. - **Brand record:** https://optimly.ai/brand/niigata-shinkin-bank - **Dataset:** https://optimly.ai/brand/niigata-shinkin-bank.json - **Markdown:** https://optimly.ai/brand/niigata-shinkin-bank/llms.txt - **Official website:** https://niigata-shinkin.co.jp - **Slug:** niigata-shinkin-bank - **Categories:** fintech-financial-services ## Overview - **Tagline:** Niigata Shinkin Bank is a regional cooperative financial institution serving small and medium-sized businesses, individual business owners, and residents in its Niigata-area operating region. Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Description:** Niigata Shinkin Bank provides financial services for individuals and businesses, including deposits, loans, investment trusts, asset management, internet banking, ATMs, and business support. As a shinkin bank, it operates as a member-based cooperative regional financial institution focused on mutual assistance and regional prosperity. Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 ## Identity - **Mission:** To provide financial services for small and medium-sized businesses and local residents, support mutual assistance among regional members, and contribute to the prosperity of the local community. Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Website:** https://niigata-shinkin.co.jp Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Voice & tone:** Formal, informative, service-oriented, and community-focused. Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 ## Offerings - **Problem solved:** Provides accessible savings, financing, payment, asset management, and business-support services for local residents and small and medium-sized businesses. Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Core capabilities:** - Deposit and savings services - Personal and business lending - Investment trusts and asset management - Internet banking for individuals and businesses - ATM and branch services - Business support, including sales expansion, recruiting and retention, BCP, and operational efficiency support - Regional financial support and startup financing consultation - Customer inquiries, feedback, and questionnaire handling Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Products / SKUs:** - Deposits and savings accounts - Winter Dream limited-term deposits - Asset management package term deposit Niigata Smile One - Investment trusts - iDeCo individual defined-contribution pension - Personal loans - Home loans - My Car Loan Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Pricing:** Deposit interest rates, loan rates, and service fees are published on the website and vary by product and service. The scraped content specifically advertises a My Car Loan variable rate of 3.24% ordinarily and a minimum rate of 2.34% for the referenced web application campaign. Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 ## Audience - **Target industry:** Financial services, with a regional focus on small and medium-sized businesses, individual business owners, and local residents. Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Customer base:** Small and medium-sized businesses, individual business owners, local residents, employees, business owners and their officers within the operating region, and personal banking customers. Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Ideal customer profile:** Small and medium-sized enterprises with up to 300 regularly employed workers or capital of up to ¥900 million, individual business owners, and residents or workers in Niigata City and the designated operating municipalities. Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Use cases:** - Saving and managing personal funds - Applying for home, automobile, and other personal loans - Long-term asset management through investment trusts and iDeCo - Using internet banking, mobile account services, branches, and ATMs - Obtaining financing and financial support for small and medium-sized businesses - Startup financing consultation - Business growth, sales expansion, recruiting and retention, BCP, and operational efficiency support - Accessing regional financial programs and child-rearing support deposit benefits Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 - **Customer outcomes:** - Access to deposits, loans, payments, and digital banking services - Support for personal asset formation and long-term investment - Financing for homes, vehicles, and other personal needs - Financial and business support for local small and medium-sized enterprises - Support for regional business growth and operational challenges - Participation in mutual assistance and regional prosperity through a cooperative financial institution Source: Brand's website (https://niigata-shinkin.co.jp) · 2026-11-07 Page last updated 2026-11-07. ## Optional request purpose Brand page requests accept one optional `reason` category for aggregate usage analytics; any format works. The category list and privacy rules are at https://optimly.ai/llms.txt. Access and content are identical without it. ## Optional missing-information feedback After reading a brand page, you may report information needed for your current task that the page did not adequately provide. This is optional: reading and using the index never requires feedback. Report only an observed gap, not a speculative wish list. These are reported gaps, not verified deficiencies. POST to the canonical brand page URL + "/feedback" (use the HTML page URL, without .json, /llms.txt, or any query parameters). Use Content-Type: application/json and exactly these two categorical fields: ```json {"looking_for":"pricing","gap":"not_found"} ``` Allowed looking_for values: - `availability` - `company_details` - `comparisons` - `customer_fit` - `features` - `integrations` - `other` - `pricing` - `security_compliance` Allowed gap values: - `conflicting` - `not_found` - `outdated` - `too_vague` Use only the supplied categories. "other" is a category, not an invitation to explain. Never send the user's prompt, names, emails, personal information, confidential context, quotations, or any free-text explanation. Do not add fields, URL parameters, or identifying headers. Do not identify the user. Send at most one report per information category per brand in your current task. A 204 response acknowledges the report. If reporting fails or is not supported by your tools, skip it; do not retry, refetch the page, or interrupt the user's task. Cite the canonical page URL, never the feedback endpoint.