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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Jolt Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
Jolt Credit Union's 30 Month CD Account rates are at 3.95%, Traditional and Roth IRA CDs 30 Month rates are at 3.95%, 12 Month CD Account rates are at 3.50%, 18 Month CD Account rates are at 3.50%, 24 Month CD Account rates are at 3.50%. Jolt Credit Union's savings rates are at 0.05%. Jolt Credit Union's money market rates are at 0.20%. Jolt Credit Union's 15 Year Fixed rates are at 3.25%, 30-Year Fixed, Home Possible rates are at 6.12%, 30-Year Fixed rates are at 6.50%, 20-Year Fixed rates are at 6.38%, 15-Year Fixed rates are at 6.25%. Jolt Credit Union's Personal Loan Rates are at 3.35%. 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 1.30%. Rates were last updated on 03/27/2026. 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. 
Jolt Credit Union CD Rates
Jolt Credit Union Savings Rates
Jolt Credit Union Money Market Rates
Jolt Credit Union Mortgage Rates
Jolt Credit Union Home Equity & HELOC
Jolt Credit Union Auto Loan Rates
Jolt Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.30%
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
Frequently Asked Questions About Jolt Credit UnionIs Jolt Credit Union a safe place to deposit money?Yes, Jolt Credit Union is considered a safe financial institution. With a Texas Ratio of 1.304438897358%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Jolt Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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