J.C.T. Federal Credit Union is headquartered in Edna and is the 344th largest credit union in the state of Texas. It is also the 4,214th largest credit union in the nation. It was established in 1971 and as of June of 2019, it had grown to 4 employees and 647 members at 1 location. J.C.T. Federal Credit Union's CD rates are 11% higher than the national average, and it 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
Data as of Q2 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 20581 |
| Year Chartered | 1971 |
| Employees | 4 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.2% |
| Return on Equity - YTD | 1.7% |
| Annual Interest Income | $107.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $8.2MM$8.4MM |
| Loans | Q2 2019vs Q2 2018 | $4.0MM$4.0MM |
| Deposits | Q2 2019vs Q2 2018 | $7.2MM$7.5MM |
| Equity Capital | Q2 2019vs Q2 2018 | $943.00K$916.00K |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $20.00K$16.00K |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $0$0 |
| Real Estate Owned | Q2 2019vs Q2 2018 | $0$0 |
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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 | |
|---|---|---|---|---|---|
| 0.50%* | $20k* | - | Share Accounts | ||
| OTHER TIERS: 0.30% → $5 - $5k | 0.40% → $5k - $20k | |||||
J.C.T. Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | $100 | - | Share Draft Checking Account |
J.C.T. Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $1k | $100k | 1 Year Share Certificate |
J.C.T. Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $1k | $100k | 1 Year IRA Certificate |
| J.C.T. Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 309 N Allen St | Edna, TX 77957 |