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Jackson Area Federal Credit Union JAFCU

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Jackson Area Federal Credit Union JAFCU Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Jackson Area Federal Credit Union JAFCU's top rate as of October 13, 2026 is personal loans from 10.95% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Jackson Area Federal Credit Union JAFCU with a 5.0 Star Rating and an A+ Overall Health Grade. Rates last updated and verified on 10/13/2026.

Jackson Area Federal Credit Union JAFCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Jackson Area Federal Credit Union JAFCU? Share your experience about Jackson Area Federal Credit Union JAFCU by leaving a review below, or read customer reviews before you decide to use Jackson Area Federal Credit Union JAFCU.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Health Trend

Steady 10 quarters

Full history ›

Jackson Area Federal Credit Union JAFCU
JAFCU

5675 Highway 18 W
Jackson, MS 39209

https://www.jacksonareafcu.com

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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.

Jackson Area Federal Credit Union JAFCU Auto Loan Rates

Product	Rate	Points	APR
New Car Loan	-	-	4.95%
Details As Low As; Rates Effective as of 01/01/2024. Rates subject to change without notice. Last Updated 09/25/2026 Rate History No change since Sep 12, 2026 · 4.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade
Used Car Loan	-	-	4.95%
Details As Low As; Rates Effective as of 01/01/2024. Rates subject to change without notice. Last Updated 09/25/2026 Rate History No change since Sep 12, 2026 · 4.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade

Jackson Area Federal Credit Union JAFCU Personal Loan Rates

Product	APR	Term	View More
Personal Credit Loan	10.95%
Details As Low As; Rates Effective as of 01/01/2024. Rates subject to change without notice. Last Updated 09/25/2026 Rate History No change since Sep 12, 2026 · 10.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade

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

Jackson Area Federal Credit Union JAFCU’s Texas Ratio rose from 2.91% in Q3 2023 to 5.55% in Q4 2025, so its financial health has held steady at a healthy level over the past 10 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
December 31, 2025	$162M	5.55%	5.0	A+
September 30, 2025	$154M	4.00%	5.0	A+
June 30, 2025	$143M	4.78%	5.0	A+
March 31, 2025	$143M	4.51%	5.0	A+
December 31, 2024	$140M	4.71%	5.0	A+
September 30, 2024	$139M	3.51%	5.0	A+
June 30, 2024	$139M	3.93%	5.0	A+
March 31, 2024	$132M	3.56%	5.0	A+
December 31, 2023	$130M	3.52%	5.0	A+
September 30, 2023	$126M	2.91%	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 Jackson Area Federal Credit Union JAFCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Jackson Area Federal Credit Union JAFCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Jackson Area Federal Credit Union JAFCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Jackson Area Federal Credit Union JAFCU

Website https://www.jacksonareafcu.com

Address 5675 Highway 18 W, Jackson, MS 39209

Phone 601-922-7055

Fax 601-922-3057

President

CEO Tina Hunter

Full-Time Employees 23

Part-Time Employees 1

Branch Locations 3

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+ (100/100)

Return on Assets (ROA)

-169.2443%

Non-Performing Loans Ratio (NPL)

1.49%

Total Assets

60,869,422

Total Amount of Shares and Deposits

136,237,868

Total Shares and Deposits < 1 Year

114,063,106

Total Shares and Deposits 1 3 Years

21,681,762

Total Shares and Deposits > 3 Years

493,000

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

4,633,435

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

4,633,435

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

131,604,433

Total Interest Expense (Sum of items 6 8)

965,826

Share Certificates

495

Number of Accounts for Share Drafts

7,570

IRA KEOGH Accounts

290

Number of Accounts for Regular Shares

16,473

Non Member Deposits

168

Net Income (unless the amount is already included in Undivided Earnings)

-103,192,939

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

Critically Undercapitalized

Net Worth Classification if credit union is a new credit union

Uncapitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

6,026,328

Total Liabilities

149,349,120

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Jackson Area Federal Credit Union JAFCU

How many branches does Jackson Area Federal Credit Union JAFCU operate?

Jackson Area Federal Credit Union JAFCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Jackson Area Federal Credit Union JAFCU?

Yes, to access services at Jackson Area Federal Credit Union JAFCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Jackson Area Federal Credit Union JAFCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

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

Does Jackson Area Federal Credit Union JAFCU offer online and mobile banking?

Most modern institutions like Jackson Area Federal Credit Union JAFCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.jacksonareafcu.com.