Joy Employees Federal Credit Union

Headquarters

P.o. Box 622
Bluefield, WV 24701
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Notable Rates	APY	Vs.Others
Savings	N.A.	5.50% →
1-Year CD	N.A.	4.80% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Joy Employees is an NCUA insured institution located in Bluefield, WV. It was founded in 1969 and has approximately $0.64 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 19158
Date Established	1969
Assets	$0.64 million
Loans	$0.43 million
Deposits	$0.37 million
Capital	$0.27 million

Deposit Rates - November 19, 2024

Your Current Location: Ohio, OH 43085

We do not yet have rates for Joy Employees

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Loan Rates - November 19, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Joy Employees

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 1025894	6.869%	6.750%	1.00	$3,897	$2,076	Learn More
NMLS ID: 1907	7.080%	7.000%	0.88	$2,602	$2,129	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 9.250 % After Intro: 9.250 %	$0	Learn More More Info
All terms are estimates until underwriting is complete. Offer shown includes a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (2.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Offers are only valid in states where Achieve is licensed. Loans are not available to residents of all states and available loan terms and fees may vary by state where offered. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Joy Employees
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Branches

Below are Joy Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Joy Employees Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
JMM	208.82	A	View Lobby Hours

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Climate Policy and Initiatives

JOY EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Joy Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Joy Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Joy Employees	U.S. Average
9.46%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Joy Employees had $34,742 in non-current loans and $0 in owned assets. To cover these potential losses it had $268,399 in net worth and $98,846 in loans loss reserves. That gives it a Texas Ratio of 9.46%.

Net Worth

Joy Employees	U.S. Average
41.9%	13.93%

Joy Employees FCU has a net worth of 41.9% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Joy Employees

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