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Jolt Credit Union

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Jolt Credit Union Rates & Review June 2026

Q: How many branches does Jolt Credit Union operate?

Jolt Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Jolt Credit Union?

Yes, to access services at Jolt Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Jolt Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jolt Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 19, 2026

You can compare Jolt Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 3.28% and 3-month share certificate rates at 1.00%. Savings rates are at 0.40% and money market rates are at 0.60%. Mortgage rates on 30-year fixed loans are around 5.73%. All these rates can be compared to Jolt Credit Union rates. MonitorBankRates evaluates the financial stability of Jolt Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.26%. Rates were last updated on 06/19/2026.

Jolt Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Jolt Credit Union? Share your experience about Jolt Credit Union by leaving a review below, or read customer reviews before you decide to use Jolt Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.26%

Excellent Lower than avg

Jolt Credit Union
Main Office

6180 State St
Saginaw, MI 48603

https://www.joltcu.com

Current Rate Availability

We do not have Jolt Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Jolt Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Jolt Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Jolt Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Jolt Credit Union

Website https://www.joltcu.com

Address 6180 State St, Saginaw, MI 48603

Phone 989-799-8744

Fax 989-791-5117

President Robert Looby

CEO Alan Watson

Full-Time Employees 103

Part-Time Employees 11

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.26%

Return on Assets (ROA)

0.4921%

Return on Equity (ROE)

4.8775%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

471,059,599

Total Amount of Shares and Deposits

394,559,412

Total Shares and Deposits < 1 Year

390,003,315

Total Shares and Deposits 1 3 Years

3,670,160

Total Shares and Deposits > 3 Years

885,936

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,239,483

Total Uninsured Shares and Deposits > $250K (F+J)

10,239,483

Total Insured Shares and Deposits > $250K (item 17 less item K)

384,319,929

Total Interest Expense (Sum of items 6 8)

3,784,565

Share Certificates

3,366

Number of Accounts for Share Drafts

18,647

IRA KEOGH Accounts

1,167

Number of Accounts for Regular Shares

39,692

All other shares

987

Non Member Deposits

1,142

Money Market Shares

2,180

Net Income (unless the amount is already included in Undivided Earnings)

2,318,296

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

46,212,626

Total Liabilities

424,676,757

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Jolt Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Jolt Credit Union

How many branches does Jolt Credit Union operate?

Jolt Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Jolt Credit Union?

Yes, to access services at Jolt Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Jolt Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jolt Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Jolt Credit Union offer online and mobile banking?

Most modern institutions like Jolt Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.joltcu.com.