What are the current interest rates at Jolt Credit Union?

Current rates for Jolt Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.25%, Savings: 0.05%, MMA: 0.20%

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Jolt Credit Union

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Jolt Credit Union Rates & Review September 2026

Q: How many branches does Jolt Credit Union operate?

Jolt 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.

Q: Is a member application needed to join Jolt Credit Union?

Yes, to access services at Jolt 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.

Q: Is there a first-time homebuyer program?

Currently, Jolt 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jolt 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 22, 2026

Jolt Credit Union's 30 Month CD rates are at 3.75%, 30 Month CD rates are at 3.75%, 12 Month CD rates are at 3.50%, 12 Month CD rates are at 3.50%, 18 Month CD rates are at 3.50%. Jolt Credit Union's savings rates are at 0.05%. Jolt Credit Union's money market rates are at 0.20%. Jolt Credit Union's 15-Year Fixed rates are at 6.75%, 30-Year Fixed rates are at 7.00%, 30-Year Fixed, Home Possible rates are at 7.12%, 20-Year Fixed rates are at 7.00%. Jolt Credit Union's Personal Loan Rates are as low as 11.88%. Jolt Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Jolt Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.88%. Rates last updated and verified on 09/22/2026.

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

1.88%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Jolt Credit Union
Main Office

6180 State St
Saginaw, MI 48603

https://www.joltcu.com

Jolt Credit Union CD Rates

Product	Rate	APY	Term
30 Month Certificate	3.70%	3.75%	30 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30 Month Share Certificate	3.70%	3.75%	30 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
12 Month Certificate	3.45%	3.50%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
12 Month Share Certificate	3.45%	3.50%	12 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18 Month Certificate	3.45%	3.50%	18 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18 Month Share Certificate	3.45%	3.50%	18 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
24 Month Certificate	3.46%	3.50%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
24 Month Share Certificate	3.46%	3.50%	24 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6 Month Certificate	3.45%	3.50%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded/Paid: Monthly / Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6 Month Share Certificate	3.45%	3.50%	6 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Youth 12 Month Share Certificate	3.45%	3.50%	12 Month
Min Balance $100 Details Subsequent deposits are allowed on Youth Share Certificate Accounts with terms of 3, 6, or 12 months. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Youth 6 Month Share Certificate	3.45%	3.50%	6 Month
Min Balance $100 Details Subsequent deposits are allowed on Youth Share Certificate Accounts with terms of 3, 6, or 12 months. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
36 Month Certificate	3.21%	3.25%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
36 Month Share Certificate	3.21%	3.25%	36 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
39 Month Bump Up Share Certificate	3.21%	3.25%	39 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
48 Month Certificate	3.21%	3.25%	48 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
48 Month Share Certificate	3.21%	3.25%	48 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
60 Month Certificate	3.21%	3.25%	60 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
60 Month Share Certificate	3.21%	3.25%	60 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3 Month Certificate	0.50%	0.50%	3 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded/Paid: Monthly / Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3 Month Share Certificate	0.50%	0.50%	3 Month
Min Balance $1,000 Details APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Youth 3 Month Share Certificate	0.50%	0.50%	3 Month
Min Balance $100 Details Subsequent deposits are allowed. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Jolt Credit Union Savings Rates

Product	Rate	APY
IRA Super Saver	0.28%	0.28%
Min Balance $25,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Super Saver Account	0.28%	0.28%
Min Balance $25,000 Details Compounded/Paid: Quarterly/Quarterly; Super Saver Account is a Split Tier and each Tier will receive the dividend that applies. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Christmas Club	0.05%	0.05%
Min Balance $1 Details Compounded/Paid: Monthly/Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Miscellaneous Savings	0.05%	0.05%
Min Balance $1 Details Compounded/Paid: Monthly/Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Savings	0.05%	0.05%
Min Balance $5 Details Compounded/Paid: Monthly/Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Jolt Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.25%	0.25%
Min Balance $10,000 Details Compounded/Paid: Daily/Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market	0.20%	0.20%
Min Balance $1,000 Details Compounded/Paid: Daily/Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Jolt Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	6.75%	-	7.35%	180 months
Details 5% Down Payment; Payments amortized 180 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30-Year Fixed	7.00%	-	7.38%	360 months
Details 5% Down Payment; Payments amortized 360 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30-Year Fixed, Home Possible	7.13%	-	7.38%	360 months
Details 3% Down Payment; Payments amortized 360 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
20-Year Fixed	7.00%	-	7.49%	240 months
Details 5% Down Payment; Payments amortized 240 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Jolt Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.00%
Details Please call Jolt CU for details Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Jolt Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
First-Time Auto Buyer Program	6.74%	-	6.80%	Up to 60 Months
Details Year of Vehicle: 2015 - 2026; As Low As; Rates listed represent our best rates and include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. First-Time Auto loans are not eligible for Kasasa Take-Back features. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
First-Time Auto Buyer Program	7.49%	-	7.54%	61 to 72 Months
Details Year of Vehicle: 2015 - 2026; As Low As; Rates listed represent our best rates and include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. First-Time Auto loans are not eligible for Kasasa Take-Back features. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Jolt Credit Union Credit Card Rates

Product	Rate	APR
Platinum VISA Credit Card	-	9.90%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Ignite Cash Back VISA	-	11.90%
Details Earn Unlimited 2%* Cash Back; Rewards can be redeemed only in online and mobile banking once a minimum of $5 has been accumulated. Rewards will expire after 3 years. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Jolt Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan Minimum	11.88%	61 to 72 Months
Details $10,000; Eligible for Take-Back Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Signature Loan Minimum	11.90%	12 to 60 Months
Details $2,000; Eligible for Take-Back Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Jolt Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10 Year Balloon Loan	4.99%	-	5.33%	360 months
Details 20% Down Payment; Payments amortized 360 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
10 Year Balloon Loan	4.99%	-	5.51%	360 months
Details 5% Down Payment; Payments amortized 360 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
All Recreation Units 2015 or newer Loan	7.99%	-	8.15%	Up to 36 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
All Recreation Units 2015 or newer Loan	7.99%	-	8.11%	37 to 48 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
All Recreation Units 2015 or newer Loan	7.99%	-	8.05%	49 to 60 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
All Recreation Units 2015 or newer Loan	8.49%	-	8.54%	61 to 72 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
All Recreation Units 2021 or newer Loan	8.75%	-	8.78%	73 to 84 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
All Recreation Units 2021 or newer Loan	8.99%	-	9.01%	85 to 120 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Land Loan	8.00%	-	9.48%	240 months
Details 20% Down Payment; Payments amortized up to 240 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Large Recreation Units 2021 or newer Minimum Loan	9.99%	-	10.01%	121 to 180 Months
Details $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Let's Go Loan	18.99%	-	18.99%	Up to 12 Months
Details No Credit Check; Must be a member of Jolt for at least 180 days with an open account and in good standing. Must have a monthly direct deposit into a Jolt checking or savings account, and a monthly direct deposit aggregate total of at least $1,000 in the prior 90 days. Must be employed at your current employer for at least the last 90 days, are not past due on any loans, and have not caused Jolt CU a loss and/or do not have a negative deposit balance. Members currently in bankruptcy are not eligible. Must be 18 years or older to apply. A $60 non-refundable processing fee will be deducted from your checking or savings account regardless of loan approval status. Member can have a maximum of one (1) Let's Go Loan open at a time. Additional restrictions and conditions may apply. Loan may be changed or discontinued at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
MSHDA Loan	6.13%	-	6.74%	360 months
Details 5% Down Payment; Payments amortized 360 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
MSHDA with DPA Loan	6.75%	-	7.38%	360 months
Details 10% Down Payment; Payments amortized 360 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coverdell ESA Share Certificates - 12 Month	3.45%	-	3.50%	12 Month
Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coverdell ESA Share Certificates - 18 Month	3.45%	-	3.50%	18 Month
Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coverdell ESA Share Certificates - 24 Month	3.46%	-	3.50%	24 Month
Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coverdell ESA Share Certificates - 3 Month	0.50%	-	0.50%	3 Month
Min Balance $1,000 Details Compounded/Paid: Monthly / Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coverdell ESA Share Certificates - 30 Month	3.70%	-	3.75%	30 Month
Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coverdell ESA Share Certificates - 36 Month	3.21%	-	3.25%	36 Month
Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coverdell ESA Share Certificates - 48 Month	3.21%	-	3.25%	48 Month
Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coverdell ESA Share Certificates - 6 Month	3.45%	-	3.50%	6 Month
Min Balance $1,000 Details Compounded/Paid: Monthly / Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Coverdell ESA Share Certificates - 60 Month	3.21%	-	3.25%	60 Month
Min Balance $1,000 Details Compounded/Paid: Quarterly/Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
IRA Share	0.05%	-	0.05%
Min Balance $1 Details Compounded/Paid: Monthly/Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Kasasa Cash Checking	4.17%	-	4.25%
Min Balance $0 Details Qualifications Required: 12 debit card purchases; 1 direct deposit or automatic payment (ACH); enrolled in and agree to receive eStatements; Balance: $0.00-15,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Kasasa Cash Checking	0.05%	-	0.05%
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Kasasa Saver Savings	1.48%	-	1.50%
Min Balance $0 Details Qualifications Required: 12 debit card purchases; 1 direct deposit or automatic payment (ACH); enrolled in and agree to receive eStatements; Balance: $0.00 - $50,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Kasasa Saver Savings	0.40%	-	0.40%
Min Balance $50,000 Details Published APY range: 0.40% to 0.77%. Qualifications Required: 12 debit card purchases; 1 direct deposit or automatic payment (ACH); enrolled in and agree to receive eStatements; Balance: $50,000.00 or greater; The APY range is based on an assumed account balance of $150,000. The APY decreases as your balance increases. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

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

Jolt Credit Union’s Texas Ratio stayed near 1.56% in Q2 2023 to 1.88% 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	$483M	1.88%	5.0	A+
December 31, 2025	$472M	1.47%	5.0	A+
September 30, 2025	$471M	1.26%	5.0	A+
June 30, 2025	$472M	0.99%	5.0	A+
March 31, 2025	$474M	1.50%	5.0	A+
December 31, 2024	$465M	2.14%	5.0	A+
September 30, 2024	$459M	1.46%	5.0	A+
June 30, 2024	$465M	1.45%	5.0	A+
March 31, 2024	$464M	2.23%	5.0	A+
December 31, 2023	$452M	1.70%	5.0	A+
September 30, 2023	$445M	1.75%	5.0	A+
June 30, 2023	$454M	1.56%	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 Jolt 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 Jolt 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 Jolt Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Jolt Credit Union

Website https://www.joltcu.com

Address 6180 State St, Saginaw, MI 48603

Phone 989-799-8744

Fax 989-791-5117

President Robert Looby

CEO Alan Watson

Full-Time Employees 109

Part-Time Employees 9

Branch Locations 5

ATM Locations 5

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

1.88%

Return on Assets (ROA)

0.1004%

Return on Equity (ROE)

0.9872%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

483,370,481

Total Amount of Shares and Deposits

415,750,112

Total Shares and Deposits < 1 Year

406,596,150

Total Shares and Deposits 1 3 Years

8,115,310

Total Shares and Deposits > 3 Years

1,038,652

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

15,985,193

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

15,985,193

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

399,764,919

Total Interest Expense (Sum of items 6 8)

1,160,182

Share Certificates

3,281

Number of Accounts for Share Drafts

18,844

IRA KEOGH Accounts

1,125

Number of Accounts for Regular Shares

39,611

All other shares

998

Non Member Deposits

1,142

Money Market Shares

2,137

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

485,449

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)

55,489,843

Total Liabilities

435,973,730

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Jolt Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Jolt Credit Union

How many branches does Jolt Credit Union operate?

Jolt 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 Jolt Credit Union?

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

Does Jolt Credit Union offer online and mobile banking?

Most modern institutions like Jolt 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.joltcu.com.

Current Jolt Credit Union Rates

12-Month CD3.50%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD3.25%
Savings0.05%
MMA0.20%

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

Compare to Other Credit Unions

Jolt Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Jolt Credit Union Texas Ratio

Jolt Credit Union Health Trend

Jolt Credit Union CD Rates

Jolt Credit Union Savings Rates

Jolt Credit Union Money Market Rates

Jolt Credit Union Mortgage Rates

Jolt Credit Union Home Equity & HELOC

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Jolt Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Jolt Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Jolt Credit Union

How many branches does Jolt Credit Union operate?

Is a member application needed to join Jolt Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Jolt Credit Union offer online and mobile banking?

Current Jolt Credit Union Rates

Compare to Other Credit Unions