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James Ward Jr Federal Credit Union

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James Ward Jr Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, James Ward Jr Federal 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 and Verified: August 29, 2026

James Ward Jr Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not James Ward Jr Federal Credit Union, and you can see how they compare in the James Ward Jr Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of James Ward Jr Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.06%. Database rates last updated and verified on 08/29/2026.

James Ward Jr Federal 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 James Ward Jr Federal Credit Union? Share your experience about James Ward Jr Federal Credit Union by leaving a review below, or read customer reviews before you decide to use James Ward Jr Federal Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.06%

Excellent Higher than avg

James Ward Jr Federal Credit Union
JAMES WARD JR FCU

303 S Main St
Jennings, LA 70546 6429

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for James Ward Jr Federal 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 James Ward Jr Federal 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 James Ward Jr Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name James Ward Jr Federal Credit Union

Website N/A

Address 303 S Main St, Jennings, LA 70546 6429

Phone 337-824-5812

Fax 337-824-5810

President RAYMOND SEGURA

CEO LINDA WILLIAMS

Full-Time Employees 1

Part-Time Employees 0

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 (95/100)

Texas Ratio

9.06%

Return on Assets (ROA)

1.2284%

Return on Equity (ROE)

3.6457%

Non-Performing Loans Ratio (NPL)

5.40%

Total Assets

1,886,374

Total Amount of Shares and Deposits

1,244,153

Total Shares and Deposits < 1 Year

1,244,153

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

1,244,153

Total Interest Expense (Sum of items 6 8)

1,914

Number of Accounts for Regular Shares

487

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

5,343

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

153,957

Total Liabilities

1,250,753

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About James Ward Jr Federal Credit Union

How many branches does James Ward Jr Federal Credit Union operate?

James Ward Jr Federal 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 James Ward Jr Federal Credit Union?

Yes, to access services at James Ward Jr Federal 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, James Ward Jr Federal 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, James Ward Jr Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does James Ward Jr Federal Credit Union offer online and mobile banking?

Most modern institutions like James Ward Jr Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.