Featured Savings Rates
Featured Accounts

J.C.T. Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.50%1-year CD1 Year Share Certificate
0.25%SavingsShare Accounts
0.01%CheckingShare Draft Checking Account

Overview / Commentary
361-782-0708
309 N Allen St
Edna, TX 77957

J.C.T. Federal Credit Union is headquartered in Edna and is the 363rd largest credit union in the state of Texas. It is also the 4,525th largest credit union in the nation. It was established in 1971 and as of December of 2016, it had grown to 4 employees and 640 members at 1 location. J.C.T. Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the Edna, Ganado and Industrial School Districts.
See current membership details

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Health
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. J.C.T. Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #20581
Year Chartered1971
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.08%
Return on Equity - YTD0.68%
Annual Interest Income$144.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$7.5MM$7.4MM
LoansQ4 2016vs Q4 2015$4.0MM$3.5MM
DepositsQ4 2016vs Q4 2015$6.6MM$6.5MM
Equity CapitalQ4 2016vs Q4 2015$888.00K$882.00K
Loan Loss AllowanceQ4 2016vs Q4 2015$12.00K$9.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$0$0
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

J.C.T. Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$20k*-Share Accounts
OTHER TIERS: 0.05% Up to $5k | 0.15% $5k - $20k

J.C.T. Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$100-Share Draft Checking Account

J.C.T. Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k$100k1 Year Share Certificate

J.C.T. Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k$100k1 Year IRA Certificate
Locations


J.C.T. Federal Credit Union Locations
Branch Office309 N Allen StEdna, TX 77957