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You've come to the right place! Rates can be seen right here on this website. Simply click on the "Rates" tab at the top of the screen. There you will find current certificate rates. Remember, rates can change at anytime; however, certificate rates are likely to change on the 1st of each month.

How do I join Jefferson Financial Federal Credit Union?
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Once you've decided that you want to take advantage of the products and services provided by Jefferson Financial, you have two ways to join! You can either join online by simply filling out the membership application, or stop by any one of the branch locations.
When you sign-up online, you will be asked to make a $10 initial deposit for your Primary Savings Account. $5 represents your share in the Credit Union and makes you a member/owner with a say in how things are run by nominating and voting for our Board of Directors. The remaining $5 is a one-time membership fee.
To open a checking account, first open a savings account. Then review our "Checking Products" page for more details. Complete the checking application online or in the office. Remember, checking is always free at Jefferson Financial.

What is the difference between a credit union and a bank?
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Probably the biggest difference is that credit unions are not for profit. Members actually own the credit union. That is why they are called "members" instead of "customers". Everything is done in the best interest of the members. This is normally seen in lower loan rates and higher dividend rates. Any revenue is used to improve products and services of the membership.
A credit union is controlled through a Board of Directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.

A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group(SEGs). This is called a "field of membership."
To see the field of membership of Jefferson Financial, please click on the Membership tab of this site.

There are several ways to view your account(s) for free.
Check balances, review account history, transfer funds between accounts and much more with the following services:
  • Online Banking
  • Mobile Apps/WAP
  • Audio Response Teller .504.348.1314
We also offer access to hundreds of ATMs nationwide that allow you to make withdrawals, deposits, transfers and check balances. Click here to locate a surcharge-free ATM.

What is a Credit Union Service Center (CUSC)?
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A Service Center is a shared facility where members of Jefferson Financial can conduct financial transactions in person at locations other than Jefferson Financial branches. This allows you as a member to walk into another credit union that has been designated as a service center and make transactions free of charge. There are currently over 3000 service centers in the United States.

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Because we are a non-profit financial institution, we try to keep costs down for our members, and returning cancelled checks is an expensive process. Copies of those checks can be viewed online and with your mobile device for free, or requested from the Credit Union at any time for a minimal fee.

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For the protection of our members, addresses cannot be changed over the phone. To change your address, simply log in to Online Banking and click on the Settings option. You can also choose to fax your request with a signature to 504.736.3647 or visit a branch location.

Are savings deposits insured?
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Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the U.S. federal government.

Do you sell or cash US Savings Bonds?
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No. Currently, the Credit Union does not sell or cash in US Savings Bonds.



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