PO BOX 58346
Houston, TX 77258
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.70% →
1-Year CD 0.90% 0.75% →
2-Year CD 1.05% 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Jsc is an NCUA insured institution located in Houston, TX. It was founded in 1961 and has approximately $2510.46 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 $2,510.46 million
Loans $1,157.22 million
Deposits $2,189.11 million
Capital $270.22 million

Field of Membership Restrictions

Membership in JSC Federal Credit Union is open to those who live, work, worship or attend school in the Houston Bay Area. Membership is also open to employees of NASA (Johnson Space Center), Boeing Aerospace, Ford Aerospace Communications, and other Select Employer Groups.

Deposit Rates - January 16, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.80% $10,000 $14,999 Learn More
12 Mo CD
0.90% $100,000 $199,999 Learn More
18 Mo CD
0.90% $10,000 $14,999 Learn More
18 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
0.95% $10,000 $14,999 Learn More
24 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.15% $100,000 $199,999 Learn More
48 Mo CD
1.05% $10,000 $14,999 Learn More
48 Mo CD
1.20% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.30% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - January 16, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.701% 2.625% 1.00 $2,495 $1,005 Learn More
Morty, Inc.
NMLS ID: 1429243
2.480% 2.375% 1.00 $3,500 $972 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$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.



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:

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
1.84% 4.42

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 September 30, 2020, Jsc had $4,245,824 in non-current loans and $823,001 in owned assets. To cover these potential losses it had $270,215,955 in net worth and $5,774,045 in loans loss reserves. That gives it a Texas Ratio of 1.84%.

Net Worth
Jsc U.S. Average
10.76% 12.91%

Jsc FCU has a net worth of 10.76% versus the BestCashCow average of 12.91. 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.

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

Jsc'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 Jsc?

Jsc has total capital of $270.22 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 mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Jsc offer auto and RV loans?

Compare auto loan rates here.

Does Jsc offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Jsc

  • November 24, 2020 |

    Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to the growing effects of the pandemic. Naturally like many others at the beginning of the pandemic, I did not know what was in store for the months to come. As a result, I was forced to spend my money wisely as I was unsure if I would even have a job in the coming months. Thankfully, JSC provided use with a furlough to help use through these trying times. Although I am truly thankful for what they were able to do for use I some how left in a bitter distant from how they handled the situation. THEY REPORTED MY MISSED PAYMENT ON MY CREDIT ACCOUNT DURING THE PEAK OF THE PANDEMIC AFTER I CALLED MULTIPLE TIMES TO DISCUSS MY SITUATION. Granted I am a 25 year old student who puts him self through nursing school and is only able to work a few days a week do to the course load. With that being said, you can only imagine what happens too my bank account when your already working short hours and then those hours get cut during a pandemic.!!! As I talked to the representatives it felt as if they were proud to enforce these penalties as they sit at their full time essential jobs that did not experience any kinds of hard ship during this pandemic. Whats crazy is, that they preach that credit unions are supposed to be more understanding then larger corporations but from my experience they are just the same. You will honestly be better off financing through a bigger bank because they are are a lot easier to access through apps, access, and they will probably treat you a little better. Even after my account was payed in full after the total lost they refused to remove the recent late payment that was applied to my account do to the extenuating circumstances.Im so happy that majority of the individuals subjecting others to this financial hardship are so comfortable with how they treat people. Ill be sure to remember this after I graduate and financial situation has improved. Thanks for nothing.

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