Jack Daniel Employees Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.jdecu.org

931-759-5513

488 Majors Blvd
Lynchburg, TN 37352

Jack Daniel Employees Credit Union is headquartered in LYNCHBURG and is the 62^nd largest credit union in the state of Tennessee. It is also the 2,398^th largest credit union in the nation. It was established in 1987 and as of March of 2025, it had grown to 9 employees and 3,145 members at 2 locations. Jack Daniel Employees Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Jack Daniels Employees Credit Union of Tennessee is open to the current and retired employees of the Jack Daniels Distillery in Lynchburg and its subsidiaries, as well as the current and retired Government and Board of Education employees of Metropolitan Lynchburg/Moore County, the volunteers members of the sheriff's and fire department, and the family members of these stated employees.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Jack Daniel Employees Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	67197
Year Chartered	1987
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	1.66%
Return on Equity - YTD	14.67%
Annual Interest Income	$677K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$52.4MM$50.1MM
Loans	Q1 2025vs Q1 2024	$37.2MM$34.9MM
Deposits	Q1 2025vs Q1 2024	$46.5MM$44.8MM
Equity Capital	Q1 2025vs Q1 2024	$5.9MM$5.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$253K$303K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$83K$108K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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IRA

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Jack Daniel Employees Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%	$0	-	Share Account
0.45%	$0	-	Vacation Club Account
0.45%	$0	-	Christmas Club Account

Jack Daniel Employees Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$1k	-	3 Month Share Certificate
4.07%	$1k	-	6 Month Share Certificate
4.07%	$1k	-	12 Month Share Certificate
3.56%	$1k	-	18 Month Share Certificate
3.56%	$1k	-	24 Month Share Certificate
3.56%	$1k	-	36 Month Share Certificate

Jack Daniel Employees Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$2k	-	6 Month IRA Certificate
4.07%	$2k	-	12 Month IRA Certificate
3.56%	$2k	-	18 Month IRA Certificate
3.56%	$2k	-	24 Month IRA Certificate
3.56%	$2k	-	36 Month IRA Certificate
0.45%	$0	-	Variable IRA Share Account

Locations

Jack Daniel Employees Credit Union Locations
Branch Office	488 MAJORS BLVD	LYNCHBURG, TN 37352
Branch Office	276 MECHANIC ST N	LYNCHBURG, TN 37352-8327

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