Po Box 6338
Saginaw, MI 48608
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.08% 0.65% →
1-Year CD 0.90% 0.70% →
2-Year CD 1.21% 0.75% →
5-Year CD 1.51% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Jolt is an NCUA insured institution located in Saginaw, MI. It was founded in 1956 and has approximately $404.06 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68703
Date Established 1956
Assets $404.06 million
Loans $226.20 million
Deposits $356.52 million
Capital $43.66 million

Deposit Rates - June 12, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.08% $2,500 $4,999 Learn More
Money Market
0.28% $2,500 $2,999 Learn More
Money Market
0.33% $10,000 $14,999 Learn More
Money Market
0.33% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.90% $10,000 $14,999 Learn More
12 Mo CD
0.90% $100,000 $199,999 Learn More
18 Mo CD
1.01% $10,000 $14,999 Learn More
18 Mo CD
1.11% $100,000 $199,999 Learn More
24 Mo CD
1.21% $10,000 $14,999 Learn More
24 Mo CD
1.21% $100,000 $199,999 Learn More
30 Mo CD
1.26% $10,000 $14,999 Learn More
30 Mo CD
1.26% $100,000 $199,999 Learn More
36 Mo CD
1.36% $10,000 $14,999 Learn More
36 Mo CD
1.36% $100,000 $199,999 Learn More
48 Mo CD
1.46% $10,000 $14,999 Learn More
48 Mo CD
1.46% $100,000 $199,999 Learn More
60 Mo CD
1.51% $10,000 $14,999 Learn More
60 Mo CD
1.51% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.08% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 12, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for JOLT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.678% 2.625% 0.75 $1,732 $1,005 Learn More
NMLS ID: 2890
License#: MC-3098
2.652% 2.625% 0.38 $898 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to JOLT
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Jolt branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Financial Details

Jolt Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Jolt. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Jolt U.S. Average
1.97% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Jolt had $814,458 in non-current loans and $68,000 in owned assets. To cover these potential losses it had $43,660,754 in net worth and $1,155,502 in loans loss reserves. That gives it a Texas Ratio of 1.97%.

Net Worth
Jolt U.S. Average
10.8% 12.67%

Jolt FCU has a net worth of 10.8% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Jolt

Branches and Savings

What is Jolt?

A credit union, registered with the NCUA under certificate #68703.
Learn more about credit unions here.

Is Jolt FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Jolt is insured by the NCUA.

Who can join Jolt?

Please see Field of Membership information above for information on who is eligible to join.

What are Jolt's share account and share certificate rates?

Jolt's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Jolt?

Jolt has total capital of $43.66 million. Full information on Jolt's financial position is located above.

Who owns Jolt?

Credit Unions are owned by their members.

Where are Jolt branches located?

See branch locations nearby.

Are Jolt ATMs Open 24/7?

Do Jolt ATMs accept cash deposits?

Can Jolt customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Jolt have a mobile app?

Does Jolt have mobile deposit?

Does Jolt have quick pay?

How can Jolt transfer money to other banks or credit unions?

Does Jolt report to credit bureaus?

Does Jolt use Chexsystems?

Does Jolt use Equifax?

What is Jolt's toll free phone number?

What is Jolt's ACH Routing Number?

What is Jolt's SWIFT code?

Where can I find Jolt's wire transfer form?

What is the Jolt address for deposits?

What Products Does Jolt Offer

Does Jolt offer mortgages?

Compare mortgage rates here.

Does Jolt offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Jolt offer auto and RV loans?

Compare auto loan rates here.

Does Jolt offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Jolt

There are currently no comments for Jolt. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →