Federal Credit Union
Since its establishment on December 27, 1961, JSC Federal Credit Union continues to provide a full array of
beneficial financial services to its 120,000+ members and 1,200+ Select Employee Groups in accordance with its
tradition of excellence.
JSC Federal Credit Union pioneered in the operation of a student-run High School Branch in League
City in order to provide hands-on financial management skills to high school students. Committed to uphold the
welfare of its members, it offers low loan rates and higher dividend rates.
Membership and Location
Eligible members are employees or members in at least one of the over 1,000 companies, organizations, or
associations within the credit union’s field of membership. Opening a savings account of at least $5 by eligible
members qualifies for membership to it.
JSC Federal Credit Union has 15 branches in many parts of Texas, namely: Clear Lake, Deer Park-Monument, Deer
Park-8th Street, Dickinson-Bay Colony, Ellington, Friendswood, Galveston, La Porte, League City, League City West,
League City-Tuscan Lakes, Park Place, Pearland, Seabrook, and Texas City-Mainland.
Credit Card Program
JSC Federal Credit Union offers a VISA Platinum Card with the following advantages: low interest rate, no annual
fees, no balance transfer fees, no cash advance fees, no penalty rate increases, no late payment or over the limit
fees, and free travel and emergency assistance services. You have the choice of paying your bill - at a branch, by
mail or telephone, or on-line. Credit limits are set upon approval of your application but may be extended upon
your request and qualification.
Other Loan Products and Services
JSC Federal Credit Union offers other loan products that are designed to meet your needs and budget such as: auto
loans for new and used cars, home mortgages, home equity loans, home improvement loans, unimproved property loans,
debt consolidation loans, personal loans, healthcare loans, educational loans, and business loans.
Its checking account services offer no monthly service fee, no minimum balance requirement, ability to earn
dividends, and free VISA Check Card and free ATM use in over 32,000 branches nationwide; free online bill payment,
direct deposit at no cost, and overdraft protection from savings or line of credit or privilege pay overdraft
The advantages of its savings accounts include: no monthly service fee, earning of dividends, a minimum opening
deposit requirement of $5 and low minimum monthly balance requirement of $5. Other services include Club Accounts,
share certificates, and IRAs.
Bad Credit and No Credit History
The mission of JSC Federal Credit Union is “to maximize member satisfaction and financial stability.” The credit
union says that it is committed to treat its members with respect and dignity and to look for better ways to reach
out to the underserved.
The above implies that JSC Federal Credit Union may consider the credit applications of those with bad
credit history or those with no credit history. As most often is the case, the benefits given to regular credit
holders will not be accorded to those with blemished credit or those just starting to build credit history. The
card may have annual fees, may have to be secured by a savings deposit, the interest rates will most probably be
higher or a co-maker or guarantor may be required. Whatever the conditions it may impose, find comfort in the hand
extended by the credit union in your efforts to re-build your life.
Source: Credit Cards For People With Bad Credit Rating
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