J.C.T. Federal Credit Union
LOCATIONS
1
View locations
HEALTH RATING
C+
View health report
CURRENT TOP RATE
0.50% APY
1 Year Share Certificate
View all rates
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.50% | 1-year CD | 1 Year Share Certificate 1.50% - Ally Bank No Penalty 11-Month CD |
| 0.25% | Savings | Share Accounts 1.15% - CIT Bank Spring Savings |
| 0.01% | Checking | Share Draft Checking Account 0.13% - National Average |
Overview / Commentary
J.C.T. Federal Credit Union is headquartered in Edna and is the 366th largest credit union in the state of Texas. It is also the 4,531st 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
Health
C+
Data as of Q1 2017
Learn why bank health mattersAdditional 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 |
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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 |