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 Jackson Area Federal Credit Union JAFCU Rates & Review September 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: September 23, 2026
Jackson Area Federal Credit Union JAFCU's Personal Loan Rates are as low as 10.95%. MonitorBankRates evaluates the financial stability of Jackson Area Federal Credit Union JAFCU with a 5.0 Star Rating and an A+ Overall Health Grade. Rates last updated and verified on 09/23/2026. 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 
Jackson Area Federal Credit Union JAFCU Auto Loan Rates
Jackson Area Federal Credit Union JAFCU Personal Loan Rates
Financial Health HistoryJackson Area Federal Credit Union JAFCU’s Texas Ratio rose from 3.07% in Q2 2023 to 5.55% in Q4 2025, so its financial health has weakened over the past 11 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
32
Part-Time Employees
0
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)
-128.5638%
Non-Performing Loans Ratio (NPL)
1.19%
Total Assets
71,355,580
Total Amount of Shares and Deposits
148,178,414
Total Shares and Deposits < 1 Year
127,738,056
Total Shares and Deposits 1 3 Years
19,785,291
Total Shares and Deposits > 3 Years
655,067
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,720,621
Total Uninsured Shares and Deposits > $250K (F+J)
7,720,621
Total Insured Shares and Deposits > $250K (item 17 less item K)
140,457,793
Total Interest Expense (Sum of items 6 8)
422,886
Share Certificates
502
Number of Accounts for Share Drafts
8,252
IRA KEOGH Accounts
294
Number of Accounts for Regular Shares
16,617
Non Member Deposits
168
Net Income (unless the amount is already included in Undivided Earnings)
-91,737,477
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)
13,950,265
Total Liabilities
148,379,817
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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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. Compare to Other Credit Unions
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