Overview / Commentary
1330 Gemini St
Houston, TX 77058

Wellby is headquartered in Houston and is the 12th largest credit union in the state of Texas. It is also the 173rd largest credit union in the nation. It was established in 1961 and as of June of 2023, it had grown to 390 employees and 126,150 members at 21 locations. Wellby's CD rates are 5X the national average, and it has an A health rating.

Related Posts

Wellby (JSC FCU) Adds 13 Month CD At 5.9% APY - 7/27/2023

https://www.wellbyfinancial.com/rates-center/ $1000 min. - Multiple tiers however all at 5.9% EWP - 90 days Eligibility appears to be available through membership in the American Consumer Council (ACC)

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ACH Limitations

Posted by: |

I was going to open a 4 year CD for $150,000 but they have a ACH limit of $100,000. So I will have to take my money elsewhere !! The new bank I am depositing with has an ACH limit of $250,000
OH Well !!

Great FCU

Posted by: |

Wellby-JSU-FCU is an exceptional Credit Union that operates with a lot of integrity, especially their Seabrook Branch Management Mr. Tim Bradbury and Ms. Heather Crenshaw and their entire staff who truly seem to care about the Customer and delivering true Customer Service by helping me the customer make the best banking / financial choices for my business and myself. Loans are a very easy, including starting the processes via a phone, including the signing of all loan docs through email after approval. In summary, the entire Seabrook Branch and the Main branch has a can-do attitude, and I highly recommend the Wellby-JSU-FCU, especially the Seabrook Branch who deserve Kudos

Nothing But Crickets

I applied to open a deposit account with Wellby. Nothing but the sound of Crickets. No word at all, no wonder the ratings for them are bad. It was a big waste of time completing the application and uploading all of the documents requested.

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.



Health Grade Components

NCUA #14762
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD6.27%
Annual Interest Income$50.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.55B$2.55B
LoansQ2 2023vs Q2 2022$1.78B$1.47B
DepositsQ2 2023vs Q2 2022$2.26B$2.25B
Equity CapitalQ2 2023vs Q2 2022$260.4MM$263.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$10.4MM$7.6MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$10.8MM$9.3MM
Real Estate OwnedQ2 2023vs Q2 2022$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

4.08%*$100k*-Wellby Savings Plus w/checking
OTHER TIERS: 2.02% Up to $10k | 2.53% $10k - $25k | 3.05% $25k - $50k | 3.56% $50k - $100k
2.02%*$100k*-Wellby Savings Plus
OTHER TIERS: 1.01% Up to $10k | 1.26% $10k - $25k | 1.51% $25k - $50k | 1.77% $50k - $100k

Wellby Checking Account Rates

0.80%*$250k*-Wellby Spending Plus
OTHER TIERS: 0.55% Any amount | 0.60% $10k - $25k | 0.65% $25k - $50k | 0.70% $50k - $100k | 0.75% $100k - $250k
0.03%--Wellby Spending
0.03%--Wellby Secure Spending
0.03%--Wellby Achievement Card
0.03%--Wellby Early Start Checking

Wellby CD Rates

5.39%$1k-48 Month Bump Up Share Certificate
5.13%$1k$50k48 Month Share Certificate
4.85%$1k$50k12 Month Share Certificate
4.60%$1k$50k18 Month Share Certificate
4.59%$1k$50k6 Month Share Certificate
3.56%$1k$50k24 Month Share Certificate
2.99%$1k$50k36 Month Share Certificate

Wellby IRA Rates

5.39%$1k-48 Month Bump Up IRA
5.13%$1k$50k48 Month IRA
4.85%$1k$50k12 Month IRA
4.60%$1k$50k18 Month IRA
4.59%$1k$50k6 Month IRA
3.56%$1k$50k24 Month IRA
2.99%$1k$50k36 Month IRA


Houston Area

Interactive local rates map

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