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Jefferson Financial Federal Credit Union Rates & Review April 2026

Jefferson Financial Federal Credit Union's 6 Month Share & IRA CD rates are at 5.00%, 18 Month Share & IRA CD rates are at 3.25%, Jumbo Share & IRA CDs 18 Month rates are at 3.25%, 1 Year Share & IRA CD rates are at 3.00%, Jumbo Share & IRA CDs 1 Year rates are at 3.00%. Jefferson Financial Federal Credit Union's savings rates are at 0.30%. Jefferson Financial Federal Credit Union's money market rates are at 0.30%. Jefferson Financial Federal Credit Union's Personal Loan Rates are at 3.89%. MonitorBankRates evaluates the financial stability of Jefferson Financial Federal Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.76%. Rates were last updated on 04/18/2026.

Jefferson Financial Federal Credit Union 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 Jefferson Financial Federal Credit Union? Share your experience about Jefferson Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Jefferson Financial Federal Credit Union.

Overall Health & Safety Grade ?
B
Solid Health Score: 85/100
MonitorBankRates Rating ?
4.5
Excellent Out of 5.0 Stars
Texas Ratio ?
20.76%
Good Higher than avg
Jefferson Financial Federal Credit Union
Airline Branch
7701 Airline Dr
Metairie, LA 70003 6228
https://www.jeffersonfinancial.org/
Member NCUA

Jefferson Financial Federal Credit Union CD Rates

Product Rate APY Term View More
6 Month Share & IRA Certificate 4.94% 5.00% 6 Month
Min Balance $25
Details Promotional rate. Subject to change. Max $50,000 per certificate.
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
18 Month Share & IRA Certificate 3.21% 3.25% 18 Month
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Jumbo Share & IRA Certificates 18 Month 3.21% 3.25% 18 Month
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
1 Year Share & IRA Certificate 2.97% 3.00% 1 Year
Min Balance $100
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Jumbo Share & IRA Certificates 1 Year 2.97% 3.00% 1 Year
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Jumbo Share & IRA Certificates 5 Year 1.44% 1.45% 5 Year
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
5 Year Share & IRA Certificate 1.34% 1.35% 5 Year
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Jumbo Share & IRA Certificates 4 Year 1.19% 1.20% 4 Year
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
4 Year Share & IRA Certificate 1.10% 1.10% 4 Year
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
1 Year FirstStep Share & IRA Certificate 1.05% 1.05% 1 Year
Min Balance $25
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Jumbo Share & IRA Certificates 2 Year 0.95% 0.95% 2 Year
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Jumbo Share & IRA Certificates 3 Year 0.90% 0.90% 3 Year
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
2 Year Share & IRA Certificate 0.85% 0.85% 2 Year
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
3 Year Share & IRA Certificate 0.80% 0.80% 3 Year
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Jumbo Share & IRA Certificates 6 Month 0.45% 0.45% 6 Month
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%

Jefferson Financial Federal Credit Union Savings Rates

Product Rate APY View More
IRA Savings 0.65% 0.65%
Min Balance $0
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Christmas Savings 0.30% 0.30%
Min Balance $1
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%

Jefferson Financial Federal Credit Union Money Market Rates

Product Rate APY View More
HIMMA Premier High Interest Money Market Account2 3.20% 3.25%
Details Rate available on new deposits only. Account can be opened online, by phone or in branch. Dividend paid at rate of 3.25% APY or 3.20% dividend rate. At the end of six months, the HIMMA Premier balance can be rolled into one of the following options: a regular HIMMA account, a share or checking account, or a certificate. Limit 6 pre-authorized withdrawals per month. Rates and terms subject to change at any time.
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
High Interest Money Market Account (HIMMA) 0.40% 0.40%
Min Deposit $2,500
Min Balance $100,000
Details $2,500 minimum to open account and to earn dividends
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
High Interest Money Market Account (HIMMA) 0.35% 0.35%
Min Deposit $2,500
Min Balance $50,000
Details $2,500 minimum to open account and to earn dividends
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
High Interest Money Market Account (HIMMA) 0.30% 0.30%
Min Deposit $2,500
Min Balance $2,500
Details $2,500 minimum to open account and to earn dividends
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%

Jefferson Financial Federal Credit Union Checking Rates

Product Rate APY View More
Checking Plus Qualified 4.89% 5.00%
Details Qualifying balance up to $25,000
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
FREE Checking - 5.00%
Details Qualifying balance up to $25,000.00
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Checking Saver Qualified 0.99% 1.00%
Details Qualifying balance up to $150,000.00
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Checking Plus Non-Qualified 0.05% 0.05%
Min Deposit $25
Min Balance $0
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Checking Saver Non-Qualified 0.05% 0.05%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%

Jefferson Financial Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 3.89% 36
Details As Low As; Limited-time only.
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%

Jefferson Financial Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Classic - 9.24%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Business VISA - 11.74%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Visa Platinum - 11.74%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%
Visa Signature - 13.74%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
4.5
Star Rating
B
Health Grade
Texas Ratio: 20.76%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Jefferson Financial Federal Credit Union 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 Jefferson Financial Federal Credit Union 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 Jefferson Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Jefferson Financial Federal Credit Union
Address 7701 Airline Dr, Metairie, LA 70003 6228
Phone 504-348-2424
Fax
President Eric Bosch
CEO Mark Rosa
Full-Time Employees 149
Part-Time Employees 8
Branch Locations 14
ATM Locations 14
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.5 / 5.0 ★
Overall Health & Safety Grade
B (85/100)
Texas Ratio
20.76%
Return on Assets (ROA)
-0.2933%
Return on Equity (ROE)
-2.6335%
Non-Performing Loans Ratio (NPL)
3.43%
Total Assets
734,439,969
Total Amount of Shares and Deposits
515,298,921
Total Shares and Deposits < 1 Year
476,999,697
Total Shares and Deposits 1 3 Years
18,678,931
Total Shares and Deposits > 3 Years
19,620,293
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,985,566
Total Uninsured Shares and Deposits > $250K (F+J)
28,985,566
Total Insured Shares and Deposits > $250K (item 17 less item K)
486,313,355
Total Interest Expense (Sum of items 6 8)
3,620,983
Share Certificates
2,395
Number of Accounts for Share Drafts
25,950
IRA KEOGH Accounts
1,109
Number of Accounts for Regular Shares
57,323
All other shares
668
Non Member Deposits
33,372
Net Income (unless the amount is already included in Undivided Earnings)
-2,154,122
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
25,176,474
Total Liabilities
685,456,079
Source: NCUA — Last Updated 03/31/2024

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Frequently Asked Questions About Jefferson Financial Federal Credit Union

Is Jefferson Financial Federal Credit Union a safe place to deposit money?

Yes, Jefferson Financial Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 20.761863880039%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Jefferson Financial Federal Credit Union operate?

Jefferson Financial Federal Credit Union 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 Jefferson Financial Federal Credit Union?

Yes, to access services at Jefferson Financial Federal Credit Union, 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, Jefferson Financial Federal Credit Union 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, Jefferson Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Jefferson Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like Jefferson Financial Federal Credit Union 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.jeffersonfinancial.org/.

Current Jefferson Financial Federal Credit Union Rates

  • 12-Month CD1.05%
  • 18-Month CD3.25%
  • 24-Month CD0.85%
  • 60-Month CD1.35%
  • Savings0.30%
  • MMA0.30%
Retrieved from our database of financial products. Rates subject to change.