☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Johns Hopkins Federal Credit Union

iAdvertiser Disclosure

Johns Hopkins Federal Credit Union Rates & Review November 2026

Q: 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: 3.52%, 24-Month CD: 3.43%, 60-Month CD: 3.40%, Savings: 0.15%, MMA: 2.05%

Q: What CD terms does Johns Hopkins Federal Credit Union offer?

Johns Hopkins Federal Credit Union CD rates are 3.48% APY for a 6 month CD, 4.20% APY for an 11 month CD, 3.73% APY for a 12 month CD, 3.52% APY for an 18 month CD, 3.43% APY for a 2 year CD, 3.51% APY for a 3 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Johns Hopkins Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Johns Hopkins Federal Credit Union's 11 Month CD rates are at 4.20%, 12 Month CD rates are at 3.73%, 18 Month Rollover CD rates are at 3.52%, 36 Month CD rates are at 3.51%, 6 Month CD rates are at 3.48%. Johns Hopkins Federal Credit Union's savings rates are at 0.15%. Johns Hopkins Federal Credit Union's money market rates are at 2.05%. Johns Hopkins Federal Credit Union's checking rates are as high as 0.05%. 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%. Johns Hopkins Federal Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.64%. Rates last updated and verified on 10/29/2026.

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

2.64%

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

Customer Reviews

Be the first to review

Write a Review

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.

Johns Hopkins Federal Credit Union CD Rates

Product	Rate	APY	Term
11 Month IRA Certificate	4.14%	4.23%	11 months
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 4.08% → 4.23% ▲ 0.15 pts · high 4.23% / low 4.08% Oct 5, 20264.23%▲ from 4.08% Sep 29, 20264.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
11 Month Share Certificate	4.14%	4.20%	11 months
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 4.06% → 4.20% ▲ 0.14 pts · high 4.20% / low 4.06% Oct 5, 20264.20%▲ from 4.06% Sep 29, 20264.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 Month Jumbo Share Certificate	3.71%	3.76%	12 months
Min Balance $50,000 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 Month IRA Certificate	3.68%	3.75%	12 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 Month Share Certificate	3.68%	3.73%	12 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.73% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month Jumbo Share Certificate	3.53%	3.58%	36 months
Min Balance $50,000 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.58% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 Month Jumbo Share Certificate	3.51%	3.56%	24 months
Min Balance $50,000 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
18 Month Rollover Share Certificate	3.46%	3.52%	18 months
Min Balance $5,000 Details Available for IRA proceeds transferred from another IRA custodian only; Inherited IRAs are ineligible Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.50% → 3.52% ▲ 0.02 pts · high 3.52% / low 3.50% Oct 5, 20263.52%▲ from 3.50% Sep 21, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month IRA Certificate	3.46%	3.52%	36 months
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 3.50% → 3.52% ▲ 0.02 pts · high 3.52% / low 3.50% Oct 5, 20263.52%▲ from 3.50% Sep 29, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month Share Certificate	3.46%	3.51%	36 months
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 3.48% → 3.51% ▲ 0.03 pts · high 3.51% / low 3.48% Oct 5, 20263.51%▲ from 3.48% Sep 29, 20263.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6 Month IRA Certificate	3.44%	3.50%	6 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
60 Month Jumbo Share Certificate	3.45%	3.50%	60 months
Min Balance $50,000 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6 Month Jumbo Share Certificate	3.44%	3.48%	6 months
Min Balance $50,000 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.48% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6 Month Share Certificate	3.44%	3.48%	6 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.48% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 Month IRA Certificate	3.39%	3.45%	24 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 Month Share Certificate	3.39%	3.43%	24 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.43% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
60 Month IRA Certificate	3.36%	3.42%	60 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.42% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
60 Month Share Certificate	3.36%	3.40%	60 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
48 Month Jumbo Share Certificate	3.28%	3.32%	48 months
Min Balance $50,000 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.32% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
48 Month IRA Certificate	3.21%	3.26%	48 months
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 3.11% → 3.26% ▲ 0.15 pts · high 3.26% / low 3.11% Oct 5, 20263.26%▲ from 3.11% Sep 29, 20263.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
48 Month Share Certificate	3.21%	3.25%	48 months
Min Balance $500 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 3.10% → 3.25% ▲ 0.15 pts · high 3.25% / low 3.10% Oct 5, 20263.25%▲ from 3.10% Sep 29, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Johns Hopkins Federal Credit Union Savings Rates

Product	Rate	APY
Education Savings (5 years)	0.15%	0.15%
Min Balance $100 Details Min. Balance: $100; Dividend 0.15%, APY 0.15%; Early withdrawal penalty may be imposed Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA Share Savings	0.15%	0.15%
Min Balance $50,000 Details Term not stated on page; variable-rate, open-ended IRA savings Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Custom Share Savings	0.10%	0.10%
Min Balance $0 Details Min. Balance: $0; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Custom Share Savings	0.10%	0.10%
Min Balance $5,000 Details Min. Balance: $5,000; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Custom Share Savings	0.10%	0.10%
Min Balance $10,000 Details Min. Balance: $10,000; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Custom Share Savings	0.10%	0.10%
Min Balance $25,000 Details Min. Balance: $25,000; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Education Savings (3 years)	0.10%	0.10%
Min Balance $100 Details Min. Balance: $100; Dividend 0.10%, APY 0.10%; Early withdrawal penalty may be imposed Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Educator Savings	0.10%	0.10%
Min Balance $0 Details Min. Balance: $0; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Graduate Student Summer Savings	0.10%	0.10%
Min Balance $0 Details Min. Balance: $0; Dividend 0.10%, APY 0.10%; Early withdrawal penalty may be imposed Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Graduate Student Summer Savings	0.10%	0.10%
Min Balance $5,000 Details Min. Balance: $5,000; Dividend 0.10%, APY 0.10%; Early withdrawal penalty may be imposed Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Graduate Student Summer Savings	0.10%	0.10%
Min Balance $10,000 Details Min. Balance: $10,000; Dividend 0.10%, APY 0.10%; Early withdrawal penalty may be imposed Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Graduate Student Summer Savings	0.10%	0.10%
Min Balance $25,000 Details Min. Balance: $25,000; Dividend 0.10%, APY 0.10%; Early withdrawal penalty may be imposed Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Holiday Club	0.10%	0.10%
Min Balance $0 Details Min. Balance: $0; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA Share Savings	0.10%	0.10%
Min Balance $500 Details Term not stated on page; variable-rate, open-ended IRA savings Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA Share Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: Min. Balance $5,000; Dividend rate 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA Share Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: Min. Balance $10,000; Dividend rate 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA Share Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: Min. Balance $25,000; Dividend rate 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Share Savings	0.10%	0.10%
Min Balance $1 Details Min. Balance: $1; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Share Savings	0.10%	0.10%
Min Balance $5,000 Details Min. Balance: $5,000; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Share Savings	0.10%	0.10%
Min Balance $10,000 Details Min. Balance: $10,000; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Share Savings	0.10%	0.10%
Min Balance $25,000 Details Min. Balance: $25,000; Dividend 0.10%, APY 0.10% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Custodial Savings	0.05%	0.05%
Min Balance $0 Details Min. Balance: $0; Dividend 0.05%, APY 0.05% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Johns Hopkins Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.03%	2.05%
Min Balance $100,000 Details Min. Balance: $100,000; Dividend 2.03%, APY 2.05% Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 1.23% → 2.05% ▲ 0.82 pts · high 2.05% / low 1.23% Oct 5, 20262.05%▲ from 1.23% Sep 21, 20261.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	2.03%	2.05%
Min Balance $250,000 Details Min. Balance: $250,000; Dividend 2.03%, APY 2.05% Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 1.23% → 2.05% ▲ 0.82 pts · high 2.05% / low 1.23% Oct 5, 20262.05%▲ from 1.23% Sep 21, 20261.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	1.22%	1.23%
Min Balance $50,000 Details Min. Balance: $50,000; Dividend 1.22%, APY 1.23% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.05% → 1.23% ▲ 0.18 pts · high 1.23% / low 1.05% Oct 5, 20261.23%▲ from 1.05% Sep 14, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	1.02%	1.03%
Min Balance $25,000 Details Min. Balance: $25,000; Dividend 1.02%, APY 1.03% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.86% → 1.03% ▲ 0.17 pts · high 1.03% / low 0.86% Oct 5, 20261.03%▲ from 0.86% Sep 14, 20260.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	0.79%	0.79%
Min Balance $10,000 Details Min. Balance: $10,000; Dividend 0.79%, APY 0.79% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.79% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	0.70%	0.70%
Min Balance $2,500 Details Min. Balance: $2,500; Dividend 0.70%, APY 0.70%; Balances below $2,500 earn the Share Draft Checking rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Johns Hopkins Federal Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	0.05%	0.05%
Min Balance $0 Details Variable rate account; Dividend rate 0.05%, APY 0.05% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Teen Checking	0.05%	0.05%
Min Balance $0 Details Variable rate account; Dividend rate 0.05%, APY 0.05% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Young Adult Checking	0.05%	0.05%
Min Balance $0 Details Variable rate account; Dividend rate 0.05%, APY 0.05% Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Johns Hopkins Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	7.148%
Details As Low As; Rate as low as Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.03% → 7.15% ▲ 0.12 pts · high 7.15% / low 7.03% Oct 2, 20267.15%▲ from 7.03% Sep 14, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

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; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto	-	-	4.99%	72 months or less
Details As Low As; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	5.49%	84 months
Details As Low As; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto	-	-	5.49%	84 months
Details As Low As; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto (8-10 Yr Old Vehicle)	-	-	6.99%	72 months or less
Details As Low As; Max 125K miles; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto (8-10 Yr Old Vehicle)	-	-	7.49%	84 months
Details As Low As; Max 125K miles; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

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; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Recreational Loan	-	5.99%	60 months or less
Details As Low As; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Recreational Loan	-	6.24%	72 months
Details As Low As; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Recreational Loan	-	6.24%	72 months
Details As Low As; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Recreational Loan	-	6.99%	84 months
Details As Low As; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Recreational Loan	-	6.99%	84 months
Details As Low As; Minimum amount to finance is $30K; Rate subject to change, determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Johns Hopkins Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	7.90%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Secured Visa Credit Card	-	11.90%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Starter Visa Credit Card	-	18.00%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Johns Hopkins Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Anything Loan	-	-	9.49%	36 months or less
Details As Low As; Rates determined by credit evaluation; Maximum rate is 18% APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Anything Loan	-	-	10.49%	37 - 60 months
Details As Low As; Rates determined by credit evaluation; Maximum rate is 18% APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Anything Loan	-	-	11.49%	61 - 72 months
Details As Low As; Rates determined by credit evaluation; Maximum rate is 18% APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Holiday Loan	-	-	7.99%	12 months
Details As Low As; Rates determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Loanmaker Line of Credit	-	-	11.25%
Details As Low As; Rates determined by credit evaluation; Maximum rate is 18% APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Winter Wonder Line of Credit	-	-	13.49%
Details As Low As; Rates determined by credit evaluation Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 13.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Johns Hopkins Federal Credit Union’s Texas Ratio rose from 1.98% in Q3 2023 to 2.64% in Q2 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
June 30, 2026	$637M	2.64%	5.0	A+
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+

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 111

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

2.64%

Return on Assets (ROA)

0.3252%

Return on Equity (ROE)

2.5614%

Non-Performing Loans Ratio (NPL)

0.65%

Total Assets

637,313,224

Total Amount of Shares and Deposits

547,078,867

Total Shares and Deposits < 1 Year

536,861,508

Total Shares and Deposits 1 3 Years

8,583,196

Total Shares and Deposits > 3 Years

1,634,163

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

36,950,080

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

36,950,080

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

510,128,787

Total Interest Expense (Sum of items 6 8)

2,532,518

Share Certificates

3,126

Number of Accounts for Share Drafts

29,144

IRA KEOGH Accounts

756

Number of Accounts for Regular Shares

48,548

All other shares

6,063

Money Market Shares

1,852

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)

42,892,844

Total Liabilities

557,936,716

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Johns Hopkins Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/johns-hopkins-federal-credit-union-rates-review-20623">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Johns Hopkins Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Johns Hopkins Federal Credit Union

Frequently Asked Questions About Johns Hopkins Federal Credit Union

Does Johns Hopkins Federal Credit Union offer CDs?

Yes. Johns Hopkins Federal Credit Union current CD rates include its 11 Month CD at 4.20% APY, its 12 Month CD at 3.73% APY and its 18 Month Rollover CD at 3.52% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Johns Hopkins Federal Credit Union NCUA insured?

Yes. Johns Hopkins Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Johns Hopkins Federal Credit Union?

The highest Johns Hopkins Federal Credit Union CD rate is its 11 Month IRA CD at 4.23% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Johns Hopkins Federal Credit Union offer?

Johns Hopkins Federal Credit Union CD rates are 3.48% APY for a 6 month CD, 4.20% APY for an 11 month CD, 3.73% APY for a 12 month CD, 3.52% APY for an 18 month CD, 3.43% APY for a 2 year CD, 3.51% APY for a 3 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Johns Hopkins Federal Credit Union for its full lineup.

What is the highest savings rate at Johns Hopkins Federal Credit Union?

The highest Johns Hopkins Federal Credit Union savings rate is its Education Savings (5 years) at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Johns Hopkins Federal Credit Union?

The highest Johns Hopkins Federal Credit Union money market rate is its Money Market at 2.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Johns Hopkins Federal Credit Union?

The highest Johns Hopkins Federal Credit Union checking rate is its Rewards Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Johns Hopkins Federal Credit Union?

The lowest Johns Hopkins Federal Credit Union auto loan rate is its New Auto at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Johns Hopkins Federal Credit Union?

The lowest Johns Hopkins Federal Credit Union credit card APR is its Visa Platinum Credit Card at 7.90% APR, verified by MonitorBankRates as of October 29, 2026.

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.

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 Johns Hopkins Federal Credit Union rates compare?

Johns Hopkins Federal Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. Johns Hopkins Federal Credit Union's top rates are its 11 Month IRA CD at 4.23% APY, its Education Savings (5 years) at 0.15% APY, its Money Market at 2.05% APY, its Rewards Checking at 0.05% APY, its New Auto at 4.99% APR and its Visa Platinum Credit Card at 7.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Johns Hopkins Federal Credit Union Rates

12-Month CD3.73%
18-Month CD3.52%
24-Month CD3.43%
60-Month CD3.40%
Savings0.15%
MMA2.05%

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

Compare to Other Credit Unions

Johns Hopkins Federal Credit Union Rates & Review November 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

Johns Hopkins Federal Credit Union Money Market Rates

Johns Hopkins Federal Credit Union Checking Rates

Johns Hopkins Federal Credit Union Home Equity & HELOC

Johns Hopkins Federal Credit Union Auto Loan Rates

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

Johns Hopkins Federal Credit Union Credit Card Rates

Johns Hopkins Federal Credit Union Other Rates

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

Does Johns Hopkins Federal Credit Union offer CDs?

Are CDs from Johns Hopkins Federal Credit Union NCUA insured?

What is the highest CD rate at Johns Hopkins Federal Credit Union?

What CD terms does Johns Hopkins Federal Credit Union offer?

What is the highest savings rate at Johns Hopkins Federal Credit Union?

What is the highest money market rate at Johns Hopkins Federal Credit Union?

What is the highest checking rate at Johns Hopkins Federal Credit Union?

What is the lowest auto loan rate at Johns Hopkins Federal Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Johns Hopkins Federal Credit Union rates compare?

Current Johns Hopkins Federal Credit Union Rates

Compare to Other Credit Unions