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 116th largest credit union in the nation. It was established in 1961 and as of June of 2018, it had grown to 208 employees and 127,769 members at 19 locations. JSC Federal Credit Union's CD rates are 2X the national average, and it boasts 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 (2)

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.

JSC Will Get You W/ Fees

JSC is not a small town credit union. They are a growing corporate-type financial institution w/ likewise fee structures and attitude. If you're looking for a bank that will treat you well, look elsewhere.


Health Grade Components

NCUA #14762
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD6.3%
Annual Interest Income$23.5MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$2.17B$2.02B
LoansQ2 2018vs Q2 2017$660.6MM$562.2MM
DepositsQ2 2018vs Q2 2017$1.94B$1.80B
Equity CapitalQ2 2018vs Q2 2017$229.6MM$215.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.1MM$1.5MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.4MM$2.0MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not JSC Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.70%*$50k*-Variable IRA Shares
OTHER TIERS: 0.50% Up to $25k | 0.60% $25k - $50k
0.30%$5-Christmas Club
0.30%$5-Share Savings

JSC Federal Credit Union Money Market Rates

0.70%*$50k*-Money Market
OTHER TIERS: 0.50% $1k - $25k | 0.60% $25k - $50k

JSC Federal Credit Union Checking Account Rates

0.10%$750-Express Checking Account
0.10%$750-Horizons Checking Account

JSC Federal Credit Union CD Rates

2.63%$100k-48 Month Jumbo CD
2.58%$50k$100k48 Month Mini-Jumbo CD
2.53%$500$50k48 Month Share Certificate
2.48%$100k-36 Month Jumbo CD
2.43%$50k$100k36 Month Mini-Jumbo CD
2.38%$500$50k36 Month Share Certificate
2.17%$100k-24 Month Jumbo CD
2.12%$50k$100k24 Month Mini-Jumbo CD
2.07%$500$50k24 Month Share Certificate
1.92%$100k-12 Month Jumbo CD
1.92%$100k-18 Month Jumbo CD
1.87%$50k$100k12 Month Mini-Jumbo CD
1.87%$50k$100k18 Month Mini-Jumbo CD
1.82%$500$50k12 Month Share Certificate
1.82%$500$50k18 Month Share Certificate
1.82%$100-12 Month EZ Start Builder Share Certificate
1.46%$100k-6 Month Jumbo CD
1.41%$50k$100k6 Month Mini-Jumbo CD
1.36%$500-6 Month Share Certificate
1.21%$100k-3 Month Jumbo CD
1.16%$50k$100k3 Month Mini-Jumbo CD
1.11%$500$50k3 Month Share Certificate

JSC Federal Credit Union IRA Rates

2.63%$100k-48 Month Jumbo IRA
2.58%$50k$100k48 Month Mini-Jumbo IRA
2.53%$500-48 Month IRA
2.48%$100k-36 Month Jumbo IRA
2.43%$50k$100k36 Month Mini-Jumbo IRA
2.38%$500-36 Month IRA
2.17%$100k-24 Month Jumbo IRA
2.12%$50k$100k24 Month Mini-Jumbo IRA
2.07%$500-24 Month IRA
1.92%$100k-12 Month Jumbo IRA
1.92%$100k-18 Month Jumbo IRA
1.87%$50k$100k12 Month Mini-Jumbo IRA
1.87%$50k$100k18 Month Mini-Jumbo IRA
1.82%$500$50k12 Month IRA
1.82%$500-18 Month IRA
1.82%$100-12 Month EZ Start Builder IRA
1.46%$100k-6 Month Jumbo IRA
1.41%$50k$100k6 Month Mini-Jumbo IRA
1.36%$500$50k6 Month IRA Certificate
1.21%$100k-3 Month Jumbo IRA
1.16%$50k$100k3 Month Mini-Jumbo IRA
1.11%$500$50k3 Month IRA Certificate


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