What are the current interest rates at JSC Federal Credit Union?

Current rates for JSC Federal Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.75%, 24-Month CD: 3.60%, 60-Month CD: 3.50%, Savings: 0.63%

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JSC Federal Credit Union

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JSC Federal Credit Union Rates & Review June 2026

Q: How many branches does JSC Federal Credit Union operate?

JSC 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.

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

Yes, to access services at JSC 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, JSC 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: June 16, 2026

JSC Federal Credit Union's 18 month rates are at 3.75%, 48 month - Bump Up* rates are at 3.75%, 24 month rates are at 3.60%, 36 month rates are at 3.50%, 60 month rates are at 3.50%. JSC Federal Credit Union's savings rates are at 0.63%. MonitorBankRates evaluates the financial stability of JSC Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.52%. Rates were last updated on 06/16/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.52%

Excellent Lower than avg

JSC Federal Credit Union
Main Branch

1330 Gemini St
Houston, TX 77058

https://www.wellbyfinancial.com

JSC Federal Credit Union CD Rates

Product	Rate	APY	Term
18 month	3.68%	3.75%	18 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
48 month - Bump Up*	3.44%	3.75%	48 months
Min Deposit $1,000 Details Qualifications Required: active checking account and have direct deposits of at least $300.00 per month; register for and access online banking or mobile banking at least once every three (3) months and one of the following: eight (8) or more point of sale (POS) debit card transactions or posted debit card payments of a bill from your Wellby checking account per month; eight (8) or more posted credit card transactions from your Wellby credit card account per month; or $40,000 or more in lending balances (does not include credit cards); BUMP Dividend Rate*: 3.68%; Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
24 month	3.53%	3.60%	24 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 180 Days Dividends; Dividends Compounded Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
36 month	3.44%	3.50%	36 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 270 Days Dividends; Dividends Compounded Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
60 month	3.44%	3.50%	60 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 365 Days Dividends; Dividends Compounded Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
12 month - Bump Up*	2.96%	3.25%	12 months
Min Deposit $1,000 Details Qualifications Required: active checking account and have direct deposits of at least $300.00 per month; register for and access online banking or mobile banking at least once every three (3) months and one of the following: eight (8) or more point of sale (POS) debit card transactions or posted debit card payments of a bill from your Wellby checking account per month; eight (8) or more posted credit card transactions from your Wellby credit card account per month; or $40,000 or more in lending balances (does not include credit cards); BUMP Dividend Rate*: 3.20%; Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6 month	2.96%	3.00%	6 months
Min Deposit $1,000 Details Early Withdrawal Penalty: 90 Days Dividends; Dividends Compounded Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

JSC Federal Credit Union Savings Rates

Product	Rate	APY
Savings Plus Offer	3.25%	3.30%
Min Deposit $25 Min Balance $250,000 Details Qualifications Required: Active checking account and receive at least $300.00 in aggregate direct deposits per month; Registering for and accessing online banking at least once every three (3) months; Eight (8) or more posted debit card transactions or posted debit card payments of a bill from your Wellby checking account per month OR Eight (8) or more posted credit card transactions from your Wellby credit card account per month OR $40,000.00 or more in lending balances (does not include credit cards).; Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Wellby Savings Plus	1.64%	3.30%
Min Deposit $25 Min Balance $250,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	3.00%	3.05%
Min Deposit $25 Min Balance $100,000 Details Qualifications Required: Active checking account and receive at least $300.00 in aggregate direct deposits per month; Registering for and accessing online banking at least once every three (3) months; Eight (8) or more posted debit card transactions or posted debit card payments of a bill from your Wellby checking account per month OR Eight (8) or more posted credit card transactions from your Wellby credit card account per month OR $40,000.00 or more in lending balances (does not include credit cards).; Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Wellby Savings Plus	1.51%	3.05%
Min Deposit $25 Min Balance $100,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	2.75%	2.79%
Min Deposit $25 Min Balance $50,000 Details Qualifications Required: Active checking account and receive at least $300.00 in aggregate direct deposits per month; Registering for and accessing online banking at least once every three (3) months; Eight (8) or more posted debit card transactions or posted debit card payments of a bill from your Wellby checking account per month OR Eight (8) or more posted credit card transactions from your Wellby credit card account per month OR $40,000.00 or more in lending balances (does not include credit cards).; Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Wellby Savings Plus	1.38%	2.79%
Min Deposit $25 Min Balance $50,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	2.25%	2.28%
Min Deposit $25 Min Balance $25,000 Details Qualifications Required: Active checking account and receive at least $300.00 in aggregate direct deposits per month; Registering for and accessing online banking at least once every three (3) months; Eight (8) or more posted debit card transactions or posted debit card payments of a bill from your Wellby checking account per month OR Eight (8) or more posted credit card transactions from your Wellby credit card account per month OR $40,000.00 or more in lending balances (does not include credit cards).; Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Wellby Savings Plus	1.13%	2.28%
Min Deposit $25 Min Balance $25,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	1.75%	1.77%
Min Deposit $25 Min Balance $10,000 Details Qualifications Required: Active checking account and receive at least $300.00 in aggregate direct deposits per month; Registering for and accessing online banking at least once every three (3) months; Eight (8) or more posted debit card transactions or posted debit card payments of a bill from your Wellby checking account per month OR Eight (8) or more posted credit card transactions from your Wellby credit card account per month OR $40,000.00 or more in lending balances (does not include credit cards).; Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Wellby Savings Plus	0.88%	1.77%
Min Deposit $25 Min Balance $10,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	1.63%	1.63%
Min Deposit $25 Min Balance $250,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	1.50%	1.50%
Min Deposit $25 Min Balance $100,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	1.38%	1.38%
Min Deposit $25 Min Balance $50,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	1.25%	1.26%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Active checking account and receive at least $300.00 in aggregate direct deposits per month; Registering for and accessing online banking at least once every three (3) months; Eight (8) or more posted debit card transactions or posted debit card payments of a bill from your Wellby checking account per month OR Eight (8) or more posted credit card transactions from your Wellby credit card account per month OR $40,000.00 or more in lending balances (does not include credit cards).; Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Wellby Savings Plus	1.25%	1.26%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Active checking account and receive at least $300.00 in aggregate direct deposits per month; Registering for and accessing online banking at least once every three (3) months, and one of the following: eight (8) or more posted debit card transactions or posted debit card payments of a bill from your Wellby checking account per month; eight (8) or more posted credit card transactions from your Wellby credit card account per month; or $40,000.00 or more in lending balances (does not include credit cards).; Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	1.13%	1.13%
Min Deposit $25 Min Balance $25,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	0.88%	0.88%
Min Deposit $25 Min Balance $10,000 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings Plus Offer	0.63%	0.63%
Min Deposit $25 Min Balance $0 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Wellby Savings Plus	0.63%	0.63%
Min Deposit $25 Min Balance $0 Details Dividend Credited: Monthly Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

JSC Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC 6-month Special	-	-	4.99%
Details Intro Rate; As Low As; 6-month Special Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Home Equity HELOC	-	-	6.50%	Up To 360 Months
Details As Low As Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name JSC Federal Credit Union

Website https://www.wellbyfinancial.com

Address 1330 Gemini St, Houston, TX 77058

Phone 281-488-7070

Fax 281-283-0722

President Deborah Conder

CEO Martyn Pell

Full-Time Employees 420

Part-Time Employees 16

Branch Locations 23

ATM Locations 20

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

4.52%

Return on Assets (ROA)

0.2883%

Return on Equity (ROE)

2.4076%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

2,663,854,104

Total Amount of Shares and Deposits

2,323,524,666

Total Shares and Deposits < 1 Year

2,166,273,743

Total Shares and Deposits 1 3 Years

154,374,140

Total Shares and Deposits > 3 Years

2,876,783

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

159,726,599

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

159,726,599

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

2,163,798,067

Total Interest Expense (Sum of items 6 8)

36,023,452

Share Certificates

14,838

Number of Accounts for Share Drafts

77,820

IRA KEOGH Accounts

4,879

Number of Accounts for Regular Shares

169,793

Money Market Shares

15,383

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

237,146,101

Total Liabilities

2,367,356,716

Source: NCUA — Last Updated 09/30/2025

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☆☆☆☆☆

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Frequently Asked Questions About JSC Federal Credit Union

How many branches does JSC Federal Credit Union operate?

JSC 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 JSC Federal Credit Union?

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

Does JSC Federal Credit Union offer online and mobile banking?

Most modern institutions like JSC Federal 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.wellbyfinancial.com.