What are the current interest rates at Johns Hopkins Federal Credit Union?

Current rates for Johns Hopkins Federal Credit Union include: 12-Month CD: 3.73%, 18-Month CD: 3.50%, 24-Month CD: 3.43%, 60-Month CD: 3.40%, Savings: 0.05%, MMA: 0.70%

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Johns Hopkins Federal Credit Union

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Johns Hopkins Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Johns Hopkins Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Johns Hopkins Federal Credit Union's 11 Month IRA CDs rates are at 4.08%, 11 Month CDs rates are at 4.06%, 12 Month IRA CDs rates are at 3.75%, 12 Month Jumbo CD rates are at 3.75%, 12 Month CDs rates are at 3.73%. Johns Hopkins Federal Credit Union's savings rates are at 0.05%. Johns Hopkins Federal Credit Union's money market rates are at 0.70%. Johns Hopkins Federal Credit Union's Auto Loan Rates are as low as 4.99%. Johns Hopkins Federal Credit Union's Credit Card Rates are at 7.90%. MonitorBankRates evaluates the financial stability of Johns Hopkins Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.18%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.18%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Johns Hopkins Federal Credit Union
Canton

1501 S Clinton St Ste 1200
Baltimore, MD 21224-5732

https://www.jhfcu.org

Johns Hopkins Federal Credit Union CD Rates

Product	Rate	APY	Term
11 Month IRA Certificates	4.00%	4.08%	11 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
11 Month Share Certificates	4.00%	4.06%	11 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
12 Month IRA Certificates	3.68%	3.75%	12 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
12 Month Jumbo Certificate	3.70%	3.75%	12 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
12 Month Share Certificates	3.68%	3.73%	12 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
24 Month Jumbo Certificate	3.46%	3.51%	24 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
36 Month Jumbo Certificate	3.46%	3.51%	36 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
18 Month Rollover Share Certificate	3.44%	3.50%	18 months
Min Deposit $5,000 Min Balance $5,000 Details Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
36 Month IRA Certificates	3.44%	3.50%	36 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
6 Month IRA Certificates	3.44%	3.50%	6 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
60 Month Jumbo Certificate	3.45%	3.50%	60 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
36 Month Share Certificates	3.44%	3.48%	36 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
6 Month Jumbo Certificate	3.44%	3.48%	6 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
6 Month Share Certificates	3.44%	3.48%	6 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
24 Month IRA Certificates	3.39%	3.45%	24 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
24 Month Share Certificates	3.39%	3.43%	24 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
60 Month IRA Certificates	3.36%	3.42%	60 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
60 Month Share Certificates	3.36%	3.40%	60 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
48 Month Jumbo Certificate	3.28%	3.32%	48 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
48 Month IRA Certificates	3.06%	3.11%	48 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
48 Month Share Certificates	3.06%	3.10%	48 months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%

Johns Hopkins Federal Credit Union Savings Rates

Product	Rate	APY
IRA Share Savings	0.15%	0.15%
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
IRA Share Savings	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Custom Share Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Custom Share Savings	0.10%	0.10%
Min Deposit $5,000 Min Balance $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Custom Share Savings	0.10%	0.10%
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Custom Share Savings	0.10%	0.10%
Min Deposit $25,000 Min Balance $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Educator Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Graduate Student Summer Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Graduate Student Summer Savings	0.10%	0.10%
Min Deposit $5,000 Min Balance $5,000 Details The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Graduate Student Summer Savings	0.10%	0.10%
Min Deposit $10,000 Min Balance $10,000 Details The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Graduate Student Summer Savings	0.10%	0.10%
Min Deposit $25,000 Min Balance $25,000 Details The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Holiday Club	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
IRA Share Savings	0.10%	0.10%
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
IRA Share Savings	0.10%	0.10%
Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
IRA Share Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
IRA Share Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
IRA Share Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Share Savings	0.10%	0.10%
Min Deposit $1 Min Balance $1 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Share Savings	0.10%	0.10%
Min Deposit $5,000 Min Balance $5,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Share Savings	0.10%	0.10%
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Share Savings	0.10%	0.10%
Min Deposit $25,000 Min Balance $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Share Savings	0.10%	0.10%
Min Balance $1 Details Balance: $1 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Share Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Share Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Share Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Custodial Savings	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%

Johns Hopkins Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.22%	1.23%
Min Balance $100,000 Details Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Money Market	1.22%	1.23%
Min Balance $250,000 Details Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Money Market	1.04%	1.05%
Min Balance $50,000 Details Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Money Market	0.86%	0.86%
Min Balance $25,000 Details Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Money Market	0.79%	0.79%
Min Balance $10,000 Details Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Money Market	0.70%	0.70%
Min Balance $2,500 Details Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%

Johns Hopkins Federal Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details The above account is a variable rate account and rates are subject to change. The Annual Percentage Yield (APY) is accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Teen Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details The above account is a variable rate account and rates are subject to change. The Annual Percentage Yield (APY) is accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Young Adult Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details The above account is a variable rate account and rates are subject to change. The Annual Percentage Yield (APY) is accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%

Johns Hopkins Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	7.03%
Details Rate as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%

Johns Hopkins Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.99%	72 months or less
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Used Auto	-	-	4.99%	72 months or less
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
New Auto	-	-	5.49%	84 months
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Used Auto	-	-	5.49%	84 months
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Used Auto (8-10 Yr Old Vehicle)	-	-	6.99%	72 months
Details Term: 72 months or less; max 125K miles; As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Used Auto (8-10 Yr Old Vehicle)	-	-	7.49%	84 months
Details Term: 84 months; max 125K miles; As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%

Johns Hopkins Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Loan	-	5.99%	60 months or less
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Used Recreational Loan	-	5.99%	60 months or less
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
New Recreational Loan	-	6.24%	72 months
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Used Recreational Loan	-	6.24%	72 months
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
New Recreational Loan	-	6.99%	84 months
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Used Recreational Loan	-	6.99%	84 months
Details As Low As; Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%

Johns Hopkins Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	7.90%
Details Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Secured Visa Credit Card	-	11.90%
Details Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Starter Visa Credit Card	-	18.00%
Details Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%

Johns Hopkins Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Anything Loan	-	-	9.49%	36 months or less
Details Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Anything Loan	-	-	10.49%	37 - 60 months
Details Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Anything Loan	-	-	11.49%	61 - 72 months
Details Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Loanmaker Line of Credit	-	-	11.25%
Details Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
12 Month Jumbo Certificates	3.70%	-	3.75%	12 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
24 Month Jumbo Certificates	3.46%	-	3.51%	24 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
36 Month Jumbo Certificates	3.46%	-	3.51%	36 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
48 Month Jumbo Certificates	3.28%	-	3.32%	48 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
6 Month Jumbo Certificates	3.44%	-	3.48%	6 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
60 Month Jumbo Certificates	3.45%	-	3.50%	60 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Education Savings (3 years)	0.10%	-	0.10%	3 years
Min Deposit $100 Min Balance $100 Details The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
Education Savings (5 years)	0.15%	-	0.15%	5 years
Min Deposit $100 Min Balance $100 Details The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of September 1st, 2026. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
IRA Share Savings	0.10%	-	0.15%
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%
IRAs	-	-	3.75%
Details Rate as high as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.18%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Johns Hopkins Federal Credit Union’s Texas Ratio stayed near 1.32% in Q2 2023 to 1.18% in Q1 2026, so its financial health has stayed very strong over the past 12 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$649M	1.18%	5.0	A+
December 31, 2025	$649M	1.52%	5.0	A+
September 30, 2025	$633M	1.51%	5.0	A+
June 30, 2025	$638M	2.04%	5.0	A+
March 31, 2025	$645M	1.08%	5.0	A+
December 31, 2024	$625M	1.90%	5.0	A+
September 30, 2024	$612M	1.64%	5.0	A+
June 30, 2024	$616M	1.50%	5.0	A+
March 31, 2024	$628M	1.48%	5.0	A+
December 31, 2023	$613M	1.56%	5.0	A+
September 30, 2023	$617M	1.98%	5.0	A+
June 30, 2023	$622M	1.32%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Johns Hopkins 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 Johns Hopkins 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 Johns Hopkins Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Johns Hopkins Federal Credit Union

Website https://www.jhfcu.org

Address 1501 S Clinton St Ste 1200, Baltimore, MD 21224-5732

Phone 410-534-4500

Fax 410-342-1160

President Sharon Kemp

CEO Keith O'Neil

Full-Time Employees 118

Part-Time Employees 0

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.18%

Return on Assets (ROA)

0.1917%

Return on Equity (ROE)

1.5524%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

648,581,198

Total Amount of Shares and Deposits

548,512,654

Total Shares and Deposits < 1 Year

536,832,138

Total Shares and Deposits 1 3 Years

9,851,343

Total Shares and Deposits > 3 Years

1,829,173

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

36,160,185

Total Uninsured Shares and Deposits > $250K (F+J)

36,160,185

Total Insured Shares and Deposits > $250K (item 17 less item K)

512,352,469

Total Interest Expense (Sum of items 6 8)

1,242,606

Share Certificates

2,933

Number of Accounts for Share Drafts

29,272

IRA KEOGH Accounts

765

Number of Accounts for Regular Shares

48,269

All other shares

5,788

Money Market Shares

1,830

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

58,959,841

Total Liabilities

568,365,950

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Johns Hopkins Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Johns Hopkins Federal Credit Union

How many branches does Johns Hopkins Federal Credit Union operate?

Johns Hopkins 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 Johns Hopkins Federal Credit Union?

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

Does Johns Hopkins Federal Credit Union offer online and mobile banking?

Most modern institutions like Johns Hopkins 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.jhfcu.org.

Current Johns Hopkins Federal Credit Union Rates

12-Month CD3.73%
18-Month CD3.50%
24-Month CD3.43%
60-Month CD3.40%
Savings0.05%
MMA0.70%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Johns Hopkins Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Johns Hopkins Federal Credit Union Texas Ratio

Johns Hopkins Federal Credit Union Health Trend

Johns Hopkins Federal Credit Union CD Rates

Johns Hopkins Federal Credit Union Savings Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Johns Hopkins Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Johns Hopkins Federal Credit Union

How many branches does Johns Hopkins Federal Credit Union operate?

Is a member application needed to join Johns Hopkins Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Johns Hopkins Federal Credit Union offer online and mobile banking?

Current Johns Hopkins Federal Credit Union Rates

Compare to Other Credit Unions