Question 1

What is Jackson County Teachers Federal Credit Union (J.C.T. FCU)?

Accepted Answer

Jackson County Teachers Federal Credit Union (J.C.T. FCU) is a community-focused federal credit union serving educators and residents in Jackson County, Texas. With approximately 612 members and total assets of $10.7 million, this small credit union provides personalized financial services to its local community. Operating from Edna, Texas, J.C.T. FCU specializes in serving teachers and school employees while maintaining strong community ties in the Jackson County area.

Question 2

When was Jackson County Teachers Federal Credit Union (J.C.T. FCU) founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Jackson County Teachers Federal Credit Union (J.C.T. FCU) headquartered?

Accepted Answer

Jackson County Teachers Federal Credit Union is headquartered in Edna, Texas. The credit union's main office is located at 309 North Allen Street, at the corner of Allen and Cypress streets in downtown Edna.

Question 4

Where does Jackson County Teachers Federal Credit Union (J.C.T. FCU) operate?

Accepted Answer

J.C.T. FCU primarily serves Jackson County, Texas, and the surrounding areas. The credit union focuses on serving individuals who live or work in Jackson County, with particular emphasis on educators and school employees within the local school districts.

Question 5

What services does Jackson County Teachers Federal Credit Union (J.C.T. FCU) offer?

Accepted Answer

The credit union provides a comprehensive range of financial products including savings accounts, checking accounts, and various loan products. Members have access to vehicle loans, personal loans, and mortgage loans.

J.C.T. FCU offers digital banking solutions including online banking and audio response services through their Teller-Anytime system. Members can access their accounts 24/7 through phone banking at (888) 286-3735.

The credit union also provides debit cards and credit cards with fraud protection services. Members benefit from competitive rates on savings and loans, along with personalized service that reflects the credit union's commitment to its educator-focused membership base.

Question 6

What makes Jackson County Teachers Federal Credit Union (J.C.T. FCU) unique?

Accepted Answer

J.C.T. FCU's primary distinction is its strong focus on serving educators within Jackson County. The credit union maintains a deep connection to the local teaching community, understanding the specific financial needs of school employees and their families.

With a loan-to-share ratio of approximately 48%, the credit union demonstrates a balanced approach to lending while maintaining strong financial stability. The institution's net worth ratio of 11.57% reflects solid capitalization and prudent management.

J.C.T. FCU emphasizes personalized, local service with convenient lobby hours Monday through Friday from 9:00 AM to 4:00 PM, and extended drive-through hours. The credit union operates with a community-first philosophy, treating members as partners rather than simply account holders.

Question 7

What type of financial institution is Jackson County Teachers Federal Credit Union (J.C.T. FCU)?

Accepted Answer

Jackson County Teachers Federal Credit Union is a federal credit union chartered under federal regulations and insured by the National Credit Union Administration (NCUA). As a federal credit union, J.C.T. FCU operates as a member-owned financial cooperative.

Membership is available to individuals who meet specific eligibility requirements, primarily those who live or work in Jackson County, Texas, with special focus on educators and school employees. Family members of current members are also eligible to join.

As a cooperative institution, J.C.T. FCU is democratically controlled by its members, with each member having equal voting rights regardless of account balance. The credit union operates on a not-for-profit basis, returning value to members through competitive rates, lower fees, and personalized service.

Jackson County Teachers Federal Credit Union (J.C.T. FCU)

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About Jackson County Teachers Federal Credit Union (J.C.T. FCU) in the United States