2020 Overview
General Credit Union Information
Jsc is an NCUA insured institution located in Houston, TX. It was founded in 1961 and has approximately $2314.94 millions in assets.
Who can join?
Eligibility to become a member depends upon where you live, work, worship or attend school in the Houston Bay Area.
You are eligible to join JSC FCU if you live, work, worship, attend school or regularly conduct business in one of the following areas:
Galveston County
Texas City
City of Houston
You may join JSC FCU if you are an employee or a member of one of the 1,000+ companies, organizations, churches, homeowner associations or areas of community service in our field of membership.
List of companies: https://www.jscfcu.org/membership/eligibility-companies.php
List of churches: https://www.jscfcu.org/membership/eligibility-churches.php
List of other associations: https://www.jscfcu.org/membership/eligibility-hoa.php
and also: https://www.jscfcu.org/membership/eligibility-other-associations.php
You may also be eligible to join if you are an immediate family member or live in the same household as a current JSC FCU member.
| NCUA Insured | Yes |
| Charter Number # | # 14762 |
| Date Established | 1961 |
| Assets | $2,314.94 million |
| Loans | $1,034.37 million |
| Deposits | $2,011.79 million |
| Capital | $263.83 million |
Field of Membership Restrictions
Deposit Rates - September 27, 2020
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.30% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 3 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.30% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - September 27, 2020
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for JSC
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 2020
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2890 License#: MC-3098 |
2.815% | 2.750% | 0.88 | $2,102 | $1,021 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2020
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loans See Table |
2.990 %
|
$0 |
Learn More
More Info |
Note to JSC
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Jsc 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:
Ashburn,Virginia
Jsc Locations
Financial Details
Jsc Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Jsc. 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
| Jsc | U.S. Average |
|---|---|
| 2.01% | 6.71 |
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 March 30, 2020, Jsc had $4,996,107 in non-current loans and $387,280 in owned assets. To cover these potential losses it had $263,831,329 in net worth and $4,081,215 in loans loss reserves. That gives it a Texas Ratio of 2.01%.
Net Worth
| Jsc | U.S. Average |
|---|---|
| 11.39% | 13.61% |
Jsc FCU has a net worth of 11.39% versus the BestCashCow average of 13.61. 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 Jsc
Branches and Savings
What is Jsc?
A federal credit union, registered with the NCUA under certificate #14762.
Learn more about credit unions here.
Is Jsc FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join Jsc?
Please see Field of Membership information above for information on who is eligible to join.
How big is Jsc?
Jsc has total capital of $263.83 million. Full information on Jsc's financial position is located above.
Who owns Jsc?
Credit Unions are owned by their members.
Where are Jsc branches located?
See branch locations nearby.
Are Jsc ATMs Open 24/7?
Do Jsc ATMs accept cash deposits?
Can Jsc customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Jsc have a mobile app?
Does Jsc have mobile deposit?
Does Jsc have quick pay?
How can Jsc transfer money to other banks or credit unions?
Does Jsc report to credit bureaus?
Does Jsc use Chexsystems?
Does Jsc use Equifax?
What is Jsc's toll free phone number?
What is Jsc's ACH Routing Number?
What is Jsc's SWIFT code?
Where can I find Jsc's wire transfer form?
What is the Jsc address for deposits?
What Products Does Jsc Offer
Does Jsc offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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