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 Jackson Area Federal Credit Union JAFCU Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 2, 2026
Jackson Area Federal Credit Union JAFCU rates are not currently in the MonitorBankRates database, but you can compare rates from other banks and credit unions MonitorBankRates tracks, including 12-month share certificate rates at 4.00%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 0.30%. Deposit rates include 0.45% on savings, 0.75% on money market accounts and 0.10% on checking. Loan rates include 6.25% on HELOCs, 5.25% on auto loans and 8.74% on personal loans. Credit card rates can be found at 12.50%. These rates come from our rate database, not Jackson Area Federal Credit Union JAFCU, and you can see how they compare in the Jackson Area Federal Credit Union JAFCU rate tables below. MonitorBankRates evaluates the financial stability of Jackson Area Federal Credit Union JAFCU with a 5.0 Star Rating and an A+ Overall Health Grade. Database rates last updated and verified on 11/02/2026. Jackson Area Federal Credit Union JAFCU 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 Jackson Area Federal Credit Union JAFCU? Share your experience about Jackson Area Federal Credit Union JAFCU by leaving a review below, or read customer reviews before you decide to use Jackson Area Federal Credit Union JAFCU. Jackson Area Federal Credit Union JAFCU
JAFCU 5675 Highway 18 W
https://www.jacksonareafcu.com Jackson, MS 39209  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Current Rate AvailabilityWe're not currently displaying rates for Jackson Area Federal Credit Union JAFCU, but our database is updated constantly, so check back soon for the latest offers. Are you with Jackson Area Federal Credit Union JAFCU? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Financial Health HistoryJackson Area Federal Credit Union JAFCU’s Texas Ratio rose from 2.91% in Q3 2023 to 5.55% in Q4 2025, so its financial health has held steady at a healthy level over the past 10 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Jackson Area Federal Credit Union JAFCU 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 Jackson Area Federal Credit Union JAFCU 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 Jackson Area Federal Credit Union JAFCU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Jackson Area Federal Credit Union JAFCU
Website
https://www.jacksonareafcu.com
Address
5675 Highway 18 W,
Jackson, MS 39209
Phone
601-922-7055
Fax
601-922-3057
President
CEO
Tina Hunter
Full-Time Employees
23
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
-169.2443%
Non-Performing Loans Ratio (NPL)
1.49%
Total Assets
60,869,422
Total Amount of Shares and Deposits
136,237,868
Total Shares and Deposits < 1 Year
114,063,106
Total Shares and Deposits 1 3 Years
21,681,762
Total Shares and Deposits > 3 Years
493,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,633,435
Total Uninsured Shares and Deposits > $250K (F+J)
4,633,435
Total Insured Shares and Deposits > $250K (item 17 less item K)
131,604,433
Total Interest Expense (Sum of items 6 8)
965,826
Share Certificates
495
Number of Accounts for Share Drafts
7,570
IRA KEOGH Accounts
290
Number of Accounts for Regular Shares
16,473
Non Member Deposits
168
Net Income (unless the amount is already included in Undivided Earnings)
-103,192,939
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Critically Undercapitalized
Net Worth Classification if credit union is a new credit union
Uncapitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,026,328
Total Liabilities
149,349,120
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Jackson Area Federal Credit Union JAFCU yet. Feel free to create one below.
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Add Your Rating and Review for Jackson Area Federal Credit Union JAFCU
Frequently Asked Questions About Jackson Area Federal Credit Union JAFCUHow many branches does Jackson Area Federal Credit Union JAFCU operate?Jackson Area Federal Credit Union JAFCU 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 Jackson Area Federal Credit Union JAFCU?Yes, to access services at Jackson Area Federal Credit Union JAFCU, 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, Jackson Area Federal Credit Union JAFCU 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, Jackson Area Federal Credit Union JAFCU provides members with tools to manage their accounts and build a solid financial history. Does Jackson Area Federal Credit Union JAFCU offer online and mobile banking?Most modern institutions like Jackson Area Federal Credit Union JAFCU 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.jacksonareafcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Jackson Area Federal Credit Union JAFCU rates compare?Jackson Area Federal Credit Union JAFCU rates aren't in the MonitorBankRates database yet. Other banks and credit unions MonitorBankRates tracks offer 12-month certificates at 4.00% APY, 6-month certificates at 0.10% APY, savings at 0.45% APY, money market at 0.75% APY, checking at 0.10% APY, HELOCs around 6.25%, auto loans at 5.25% APR, personal loans at 8.74% APR and credit cards at 12.50% APR. Compare to Other Credit Unions
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