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S&J School Employees Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 2, 2026
S&J School Employees Federal Credit Union rates are not currently in the MonitorBankRates database, but you can compare rates from other banks and credit unions MonitorBankRates tracks, including 12-month share certificate rates at 3.95%, 6-month share certificate rates at 3.30% and 3-month share certificate rates at 2.55%. Deposit rates include 0.60% on savings, 1.75% on money market accounts and 0.40% on checking. Loan rates include 6.88% on 30-year fixed mortgages, 8.00% on HELOCs, 5.29% on auto loans and 11.00% on personal loans. Credit card rates can be found at 10.90%. These rates come from our rate database, not S&J School Employees Federal Credit Union, and you can see how they compare in the S&J School Employees Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of S&J School Employees Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.56%. Database rates last updated and verified on 11/02/2026. S&J School Employees 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 S&J School Employees Federal Credit Union? Share your experience about S&J School Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use S&J School Employees Federal Credit Union. S&J School Employees Federal Credit Union
S and J School Employees FCU 734 Main St
Wintersville, OH 43953  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Current Rate AvailabilityWe're not currently displaying rates for S&J School Employees Federal Credit Union, but our database is updated constantly, so check back soon for the latest offers. Are you with S&J School Employees Federal Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Financial Health HistoryS&J School Employees Federal Credit Union’s Texas Ratio rose from 0.00% in Q3 2023 to 17.56% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A+ to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 S&J School Employees 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 S&J School Employees 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 S&J School Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
S&J School Employees Federal Credit Union
Website
N/A
Address
734 Main St,
Wintersville, OH 43953
Phone
740-266-6354
Fax
740-266-2778
President
Timothy Fisher
CEO
Lisa Callahan
Full-Time Employees
3
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (89/100)
Texas Ratio
17.56%
Return on Assets (ROA)
0.2292%
Return on Equity (ROE)
2.0990%
Non-Performing Loans Ratio (NPL)
3.16%
Total Assets
3,066,128
Total Amount of Shares and Deposits
2,717,026
Total Shares and Deposits < 1 Year
2,717,024
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,717,026
Total Interest Expense (Sum of items 6 8)
811
Number of Accounts for Share Drafts
73
Number of Accounts for Regular Shares
621
All other shares
92
Money Market Shares
5
Net Income (unless the amount is already included in Undivided Earnings)
6,810
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)
343,422
Total Liabilities
2,731,354
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About S&J School Employees Federal Credit UnionHow many branches does S&J School Employees Federal Credit Union operate?S&J School Employees 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 S&J School Employees Federal Credit Union?Yes, to access services at S&J School Employees 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, S&J School Employees 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, S&J School Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does S&J School Employees Federal Credit Union offer online and mobile banking?Most modern institutions like S&J School Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. 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 S&J School Employees Federal Credit Union rates compare?S&J School Employees Federal Credit Union rates aren't in the MonitorBankRates database yet. Other banks and credit unions MonitorBankRates tracks offer 12-month certificates at 3.95% APY, 6-month certificates at 3.30% APY, savings at 0.60% APY, money market at 1.75% APY, checking at 0.40% APY, 30-year fixed mortgages around 6.88%, HELOCs around 8.00%, auto loans at 5.29% APR, personal loans at 11.00% APR and credit cards at 10.90% APR. Compare to Other Credit Unions
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