J.C.T. Federal Credit Union
LOCATIONS
1
View locations
HEALTH RATING
B
View health report
CURRENT TOP RATE
0.75% APY
1 Year Share Certificate
View all rates
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 0.75% | 1-year CD | 1.30% - National Average |
| 0.45% | Savings | |
| 0.10% | Checking | 1.01% - nbkc bank Personal Account |
Overview / Commentary
J.C.T. Federal Credit Union is headquartered in Edna and is the 349th largest credit union in the state of Texas. It is also the 4,278th largest credit union in the nation. It was established in 1971 and as of September of 2018, it had grown to 4 employees and 647 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
Health
B
Data as of Q3 2018
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 | 0.42% |
| Return on Equity - YTD | 3.72% |
| Annual Interest Income | $146.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $8.1MM$7.7MM |
| Loans | Q3 2018vs Q3 2017 | $4.0MM$4.0MM |
| Deposits | Q3 2018vs Q3 2017 | $7.1MM$6.8MM |
| Equity Capital | Q3 2018vs Q3 2017 | $931.00K$899.00K |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $17.00K$14.00K |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $0$0 |
| Real Estate Owned | Q3 2018vs Q3 2017 | $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 | |
|---|---|---|---|---|---|
| 0.45%* | $20k* | - | Share Accounts | ||
| OTHER TIERS: 0.25% → $5 - $5k | 0.35% → $5k - $20k | |||||
J.C.T. Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | $100 | - | Share Draft Checking Account |
J.C.T. Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.75% | $1k | $100k | 1 Year Share Certificate |
J.C.T. Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.75% | $1k | $100k | 1 Year IRA Certificate |
Locations
| J.C.T. Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 309 N Allen St | Edna, TX 77957 |