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National JACL Credit Union

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National JACL Credit Union Rates & Review April 2026

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

Yes, to access services at National JACL 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, National JACL 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: April 23, 2026

National JACL Credit Union's Personal Loan Rates are at 5.64%. MonitorBankRates evaluates the financial stability of National JACL Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.81%. Rates were last updated on 04/23/2026.

National JACL 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 National JACL Credit Union? Share your experience about National JACL Credit Union by leaving a review below, or read customer reviews before you decide to use National JACL Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.81%

Excellent Lower than avg

National JACL Credit Union
National JACL Credit Union

3776 S Highland Dr
Millcreek, UT 84106 3270

https://jaclcu.com

National JACL Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.64%	60 months
Details Low Interest Rates; for members with great credit. We also have discounted rates for EVs and Hybrid Vehicles. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.81%

National JACL Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Premier Credit Card	-	9.99%
Details 1% cash back with every purchase! Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.81%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for National JACL 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 National JACL 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 National JACL Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name National JACL Credit Union

Website https://jaclcu.com

Address 3776 S Highland Dr, Millcreek, UT 84106 3270

Phone 801-424-5225

Fax 801-424-5220

President Larry Grant

CEO Dean Hirabayashi

Full-Time Employees 4

Part-Time Employees 5

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.81%

Return on Assets (ROA)

0.0060%

Return on Equity (ROE)

0.0618%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

38,602,273

Total Amount of Shares and Deposits

33,607,847

Total Shares and Deposits < 1 Year

31,200,176

Total Shares and Deposits 1 3 Years

1,581,980

Total Shares and Deposits > 3 Years

825,691

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

323,318

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

323,318

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

33,284,529

Total Interest Expense (Sum of items 6 8)

473,070

Share Certificates

520

Number of Accounts for Share Drafts

739

IRA KEOGH Accounts

131

Number of Accounts for Regular Shares

3,133

Money Market Shares

199

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,833,524

Total Liabilities

34,857,734

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About National JACL Credit Union

Is National JACL Credit Union a safe place to deposit money?

Yes, National JACL Credit Union is considered a safe financial institution. With a Texas Ratio of 3.813778836199%, 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 National JACL Credit Union operate?

National JACL 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 National JACL Credit Union?

Yes, to access services at National JACL 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, National JACL 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, National JACL Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does National JACL Credit Union offer online and mobile banking?

Most modern institutions like National JACL 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://jaclcu.com.