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JSC Federal Credit Union

Popular Accounts at this Credit Union

1.06%1-year CD12 Month Share Certificate
0.25%SavingsShare Savings
1.31%2-year CD24 Month Share Certificate

Overview / Commentary
1330 Gemini St
Houston, TX 77058

JSC Federal Credit Union is headquartered in Houston and is the 10th largest credit union in the state of Texas. It is also the 114th largest credit union in the nation. It was established in 1961 and as of December of 2016, it had grown to 191 employees and 128,048 members at 18 locations. JSC Federal Credit Union's CD rates are 18% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in JSC Federal Credit Union is open to those who live, work, worship or attend school in the Houston Bay Area. Membership is also open to employees of NASA (Johnson Space Center), Boeing Aerospace, Ford Aerospace Communications, and other Select Employer Groups.
See current membership details

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Reviews (1)

Not the best

Posted by: denise19 | Jun 11, 2015

The hours of operation at this credit union are not good. There is no way to make a deposit at the ATM like with regular banks so if you can't get there when they are open, you are out of luck. They charge $25. if you over draft your account which I was unfortunate enough to do and was charged for nine transactions. It was a clear mistake when we opened two accounts but they only refunded a couple of them even though they saw the error was not intentional. The web banking is difficult to sign into and takes a two or three step security measure. The bill pay is not as fast as regular banks either. I will be leaving as soon as my child support is over in a few weeks, since I do want to switch my direct deposit this late in the game.


Health Grade Components

NCUA #14762
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD5.01%
Annual Interest Income$35.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$1.98B$1.91B
LoansQ4 2016vs Q4 2015$531.5MM$492.2MM
DepositsQ4 2016vs Q4 2015$1.76B$1.71B
Equity CapitalQ4 2016vs Q4 2015$208.4MM$198.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.5MM$1.4MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.9MM$1.4MM
Real Estate OwnedQ4 2016vs Q4 2015$0$59.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

JSC Federal Credit Union Savings Account Rates

0.35%--Variable IRA Shares
0.25%--Christmas Club
0.25%--Share Savings

JSC Federal Credit Union Money Market Rates

0.35%*$1k*-Money Market
OTHER TIERS: 0.05% Up to $1k

JSC Federal Credit Union Checking Account Rates

0.05%$750-Express Checking Account
0.05%$750-Horizons Checking Account

JSC Federal Credit Union CD Rates

1.51%$500-36 Month Share Certificate
1.31%$500-24 Month Share Certificate
1.31%$500-30 Month Share Certificate
1.06%$500-12 Month Share Certificate
1.06%$500-18 Month Share Certificate
1.06%$100-12 Month EZ Start Builder Share Certificate
0.75%$500-6 Month Share Certificate
0.55%$500-3 Month Share Certificate

JSC Federal Credit Union IRA Rates

1.51%$500-36 Month IRA Certificate
1.31%$500-24 Month IRA Certificate
1.31%$500-30 Month IRA Certificate
1.06%$500-12 Month IRA Certificate
1.06%$500-18 Month IRA Certificate
0.75%$500-6 Month IRA Certificate
0.55%$500-3 Month IRA Certificate

JSC Federal Credit Union has 18 locations. Click to view all JSC Federal Credit Union locations.