Jackson Area Federal Credit Union

Overview / Commentary
5675 Highway 18 W
Jackson, MS 39209-9622

Jackson Area Federal Credit Union is headquartered in Jackson and is the 15th largest credit union in the state of Mississippi. It is also the 1,884th largest credit union in the nation. It was established in 1953 and as of March of 2019, it had grown to 28 employees and 11,939 members at 2 locations. Jackson Area Federal Credit Union's CD rates are 40% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Jackson Area Federal Credit Union is open to anyone who lives, works, worships, or goes to school in Hinds County, and to employees of the YMCA of Jackson, Mississippi Valley State University, Jackson Zoo, Hinds County Board of Supervisors, American Medical Response or any one of the over 70 SEGs.
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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. Jackson Area Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #8445
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD2.69%
Annual Interest Income$660.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$77.2MM$74.4MM
LoansQ1 2019vs Q1 2018$33.4MM$33.3MM
DepositsQ1 2019vs Q1 2018$67.5MM$65.1MM
Equity CapitalQ1 2019vs Q1 2018$9.4MM$9.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$493.00K$449.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$767.00K$601.00K
Real Estate OwnedQ1 2019vs Q1 2018$27.00K$27.00K
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Jackson Area Federal Credit Union Savings Account Rates

0.50%$25-IRA Shares
0.30%$100-Regular Shares
0.30%$25-Club Shares

Jackson Area Federal Credit Union CD Rates

2.32%$1k-36 Month Share Certificate
2.02%$1k-30 Month Share Certificate
1.76%$1k-24 Month Share Certificate
1.36%$1k-18 Month Share Certificate
1.26%$1k-12 Month Share Certificate
0.60%$1k-6 Month Share Certificate

Jackson Area Federal Credit Union IRA Rates

2.32%$1k-36 Month IRA Certificate
2.02%$1k-30 Month IRA Certificate
1.76%$1k-24 Month IRA Certificate
1.36%$1k-18 Month IRA Certificate
1.26%$1k-12 Month IRA Certificate
0.60%$1k-6 Month IRA Certificate

Jackson Area Federal Credit Union Locations
Branch Office7375 S Siwell RdByram, MS 39272-8741
Branch Office5675 Highway 18 WJackson, MS 39209

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