J.C.T. Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	1 Year Share Certificate 1.40% - Synchrony Bank 12 Month CD
0.25%	Savings	Share Accounts 1.20% - Goldman Sachs Bank USA Online Savings
0.01%	Checking	Share Draft Checking Account 1.25% - Bank of Internet USA Rewards Checking

View all J.C.T. Federal Credit Union rates »

Overview / Commentary

www.jacksoncountyteachers.com

361-782-0708

309 N Allen St
Edna, TX 77957

J.C.T. Federal Credit Union is headquartered in Edna and is the 366^th largest credit union in the state of Texas. It is also the 4,531^st largest credit union in the nation. It was established in 1971 and as of March of 2017, it had grown to 4 employees and 639 members at 1 location. J.C.T. Federal Credit Union has a C+ 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

C+

Data as of Q1 2017

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

Health Grade Components

Overall
NCUA #	20581
Year Chartered	1971
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.11%
Return on Equity - YTD	0.9%
Annual Interest Income	$37.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$7.4MM$7.7MM
Loans	Q1 2017vs Q1 2016	$4.0MM$3.6MM
Deposits	Q1 2017vs Q1 2016	$6.5MM$6.9MM
Equity Capital	Q1 2017vs Q1 2016	$891.00K$883.00K
Loan Loss Allowance	Q1 2017vs Q1 2016	$13.00K$10.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$0$0
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Savings
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$100	-	Share Draft Checking Account

J.C.T. Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$1k	$100k	1 Year Share Certificate

J.C.T. Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$1k	$100k	1 Year IRA Certificate

Locations

J.C.T. Federal Credit Union Locations
Branch Office	309 N Allen St	Edna, TX 77957