JSC Federal Credit Union | 2020-2021 Reviews & Ranking


AdvisoryHQ recently published its list and review of the top credit unions in Houston, Texas, a list that included JSC Federal Credit Union Review.

Below we have highlighted some of the many reasons JSC Federal Credit Union Review was selected as one of the best credit unions in Houston, Texas.

Click here for a detailed review of AdvisoryHQ’s selection methodology: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.


JSC Federal Credit Union Review


Established in 1961, JSC Federal Credit Union is a local Houston credit union that serves over 124,000 members and more than 2,000 community business partners throughout the Houston Bay area.

JSC Federal Credit Union Reviews

Best Houston Area Credit Unions

They have 21 branch locations and are also part of the Co-Op Shared Branch Network, which has over 5,000 shared branches that members can use.

You are eligible to become a member if you are an employee or member of one of over 2,000 companies, churches, HOAs, or other community organizations or if you live, work, worship, attend school, or regularly conduct business in the City of Houston, Galveston County, or Texas City.

This top Houston credit union has also created a foundation to enrich their community and support local charities.

See Also: Houston Texas Fire Fighters Federal Credit Union Review



Key Factors That Enabled This Credit Union to Rank as a Top Credit Union

Checking & Savings Account Options

As a top credit union in Houston, JSC offers a variety of checking and savings account options for its members.

An Express Checking account can be opened with a $25 minimum opening balance; however, going forward, the account has no minimum balance requirement and no monthly fee.

Express checking accounts can also be linked to a debit card and online bill pay. Some of the other features include free Express Deposit, free eStatements, and more.

Other checking accounts – all with varied terms, benefits, and limitations – available at JSC Federal are:

  • Express Youth Checking
  • Money Market Checking
  • Horizon Express Checking
  • The Right Path Checking


 Members that want to stash their money, save it, and watch it grow also have multiple options when it comes to savings accounts at this Houston, Texas credit union.

The Classic Savings account at JSC Federal has an opening balance minimum of $5 and a minimum monthly balance of $5.

The account can be linked to an ATM card and gain access to 55,000 national ATMs. Members also get access to online banking and the JSC Mobile banking app.

Additional savings accounts and savings vehicles that this top Houston credit union offers are:

  • Christmas Savings
  • Right Path Savings
  • Share Certificates
  • Claim Your Youth Teen Savings
  • STAR Team Savings

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Mobile App

JSC Federal provides account holders with a free mobile banking app that can be accessed on a wide array of mobile devices. Features available on the app are:

  • View account balance and history
  • Transfer funds between JSC Federal Credit Union accounts
  • View account alerts and secure messages
  • Stop payments on checks
  • Mobile check deposit using Express Deposit

Credit Cards

JSC offers two Visa credit card options for its members: the Visa Platinum credit card, and the VISA Platinum Rewards credit card. 

Both credit card options come with competitive APR rates and a simple application process. Members can apply for the cards online and expect a fast application turnaround.

Visa Platinum has no annual fees, no balance transfer fees and is designed to help you save money and maintain your finances.

Visa Platinum Rewards allows you to earn 1 point from every $1 spent with your credit card to use on rewards.

Related: Houston’s People’s Trust Federal Credit Union Review



Rating Summary

JSC Federal Credit Union offers a “best rate guarantee” and no lender fees on mortgages, plus a wide variety of banking products from savings accounts to checking accounts. They also are very community oriented.

With a focus on making their members’ financial lives better and a convenient number of branch locations, JSC Federal Credit Union is earns a 5-star rating as one of the top credit unions in Houston, Texas.


To browse exclusive reviews of all top-rated credit unions in Houston, Texas, please click on any of the links below:


Image source:

  • https://www.jscfcu.org/foundation


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