Overview / Commentary
1330 Gemini St
Houston, TX 77058

Wellby is headquartered in Houston and is the 10th largest credit union in the state of Texas. It is also the 134th largest credit union in the nation. It was established in 1961 and as of June of 2021, it had grown to 329 employees and 137,380 members at 17 locations. Wellby has an A+ health rating.

Reviews (2)

Not the best

Posted by: |

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 - YTD0.36%
Return on Equity - YTD3.16%
Annual Interest Income$34.0MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$2.66B$2.49B
LoansQ2 2021vs Q2 2020$1.36B$1.12B
DepositsQ2 2021vs Q2 2020$2.35B$2.14B
Equity CapitalQ2 2021vs Q2 2020$300.5MM$305.8MM
Loan Loss AllowanceQ2 2021vs Q2 2020$7.4MM$4.7MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$4.8MM$2.6MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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Always verify rates and promotions with the bank or credit union. We are not Wellby; 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.

Wellby Savings Account Rates

0.10%--Primary Savings
0.10%--Wellby Achievement Savings
0.10%--Wellby Savings
0.10%--Wellby Early Start Savings
0.10%--Wellby IRA Savings

Wellby Money Market Rates

0.30%*$25k*-Wellby Savings Plus
OTHER TIERS: 0.20% Up to $25k

Wellby Checking Account Rates

0.30%*$25k*-Wellby Spending Plus
OTHER TIERS: 0.20% Any amount
0.03%--Wellby Spending
0.03%--Wellby Secure Spending
0.03%--Wellby Achievement Card
0.03%--Wellby Early Start Checking

Wellby CD Rates

0.70%$100k-48 Month Jumbo Share Certificate
0.65%$1k$50k48 Month Share Certificate
0.65%$100k-36 Month Jumbo Share Certificate
0.65%$50k$100k48 Month Mini-Jumbo Share Certificate
0.60%$1k$50k36 Month Share Certificate
0.60%$50k$100k36 Month Mini-Jumbo Share Certificate
0.55%$100k-24 Month Jumbo Share Certificate
0.50%$1k$50k24 Month Share Certificate
0.50%$50k$100k24 Month Mini-Jumbo Share Certificate
0.45%$1k$50k18 Month Share Certificate
0.45%$50k$100k18 Month Mini-Jumbo Share Certificate
0.45%$100k-18 Month Jumbo Share Certificate
0.40%$1k$50k12 Month Share Certificate
0.40%$50k$100k12 Month Mini-Jumbo Share Certificate
0.40%$100k-12 Month Jumbo Share Certificate
0.20%$1k$50k6 Month Share Certificate
0.20%$50k$100k6 Month Mini-Jumbo Share Certificate
0.20%$100k-6 Month Jumbo Share Certificate

Wellby IRA Rates

0.70%$100k-48 Month Jumbo IRA
0.65%$1k$50k48 Month IRA
0.65%$100k-36 Month Jumbo IRA
0.65%$50k$100k48 Month Mini-Jumbo IRA
0.60%$1k$50k36 Month IRA
0.60%$50k$100k36 Month Mini-Jumbo IRA
0.55%$50k$100k24 Month Mini-Jumbo IRA
0.50%$1k$50k24 Month IRA
0.50%$100k-24 Month Jumbo IRA
0.45%$1k$50k18 Month IRA
0.45%$100k-18 Month Jumbo IRA
0.45%$50k$100k18 Month Mini-Jumbo IRA
0.40%$1k$50k12 Month IRA
0.40%$100k-12 Month Jumbo IRA
0.40%$50k$100k12 Month Mini-Jumbo IRA
0.20%$1k$50k6 Month IRA
0.20%$100k-6 Month Jumbo IRA
0.20%$50k$100k6 Month Mini-Jumbo IRA


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