- Benefits of Membership
- New Member Check List
Benefits of Membership
As a member-owned and not-for-profit cooperative, JSC FCU is completely committed to serve you and your family, and we are ready to meet the financial challenges of today and those that will come in the future. JSC FCU continues to make sound choices and has never participated in risky loan practices associated with sub-prime lending or the purchasing of sub-prime loans.
Credit Union Difference
New federal laws and regulations are changing the structure and face of the financial services industry. In this time of accelerating change, it is important to truly understand how credit unions are unique and different, and why we remain a necessary and extremely popular financial alternative for 87 million Americans.
Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.
Credit unions do pay taxes - payroll taxes, sales taxes, and property taxes. Congress exempts credit unions from federal income taxes. The exemption was established in 1937, affirmed by statute in 1951, and re-affirmed in 1998 in H.R. 1151, the Credit Union Membership Access Act
Safe and Secure
JSC Federal Credit has been in business for over 50 years, and has reached over $1 billion in assets and well over 123,000 members during this time by practicing responsible lending and operating on sound principles and policies. JSC FCU will continue to successfully grow in the future by maintaining our mission to maximize member satisfaction and financial stability.
Eligibility to become a member depends upon where you live, work, worship or attend school in the Houston Bay Area. You may join JSC FCU if you are an employee or a member of one of the 2,000+ companies, organizations, churches, homeowner associations or areas of community service in our field of membership.
You may also be eligible to join if you are an immediate family member or live in the same household as a current JSC FCU member. Use the links below to view eligible areas of community service, companies, churches, home owners associations and other organizations.
Family - If you're an immediate family member of, or live in the same household as a current JSC FCU Member, you can join. - 999
Areas of Community Service - If you live, work, worship, attend school or regularly conduct business in the following, you can join:
- The City of Houston - 1010
- Galveston County - 888
- Texas City - 777
Companies - If you're an employee or a member of one of the thousands of companies, organizations or associations listed, you can join.
Churches - If you're a member of any of the local churches listed, you can join
Home Owner Associations - If you're a member of any of the local HOAs listed, you can join.
New Member Check List
In order to take advantage of the full array of products and services that JSC Federal Credit Union offers, you must first become a member of our institution. eligibility to become a member depends upon where you live. work, worship or attend school in the Houston Bay Area. You may join JSC FCU if you are an employee or a member of one of the 2000+ companies, organizations, churches, homeowner associations or areas of community service in our field of membership. you may also be eligible to join if you are an immediate family member or live in the same household as a current JSC FCU member. Membership is established by opening a Savings account in your name, with a simple $5 account deposit.
How to Open an Account with JSC FCU
If you are a current JSC FCU member and would like to open a checking Account, or you would like to establish your membership with the Credit Union as a new member by opening a Savings Account, you will need to visit one of our local branch locations and bring in the following items:
- A valid government issued photo identification
- Your U.S Social Security Number
- Proof of your current residence if different from your valid photo identification (i.e utility bill, insurance card, etc.)
- Members ages 14-17 must bring in a parent or a legal guardian to sign as joint owner for a checking account
- A minimum deposit of $25 (except with the Express Youth checking account)
- Qualification is subject to Chex Systems approval
- Other identifying documents may be requested