No stored Google rating available.
Wellby Financial is a Houston-based credit union offering checking, savings, mortgages, home equity, vehicle loans, credit cards, and investment services to members.
Data compiled from public sources
Wellby Financial is a member-owned, not-for-profit credit union serving the Houston area with a routing number of 313083992. The organization positions itself as a purpose-driven financial institution focused on helping members turn their financial dreams into reality, emphasizing community involvement through initiatives like Habitat for Humanity partnerships and member advocacy programs.
The credit union provides a comprehensive suite of financial products including high-yield checking accounts (Secure Spending) with no monthly fees, savings accounts with rates up to 3.30% APY when paired with checking, certificates of deposit, fixed and adjustable-rate mortgages, home equity lines of credit (HELOCs) with introductory rates as low as 4.99% APR, vehicle loans with rates starting at 4.39% APR, personal loans, credit cards (Visa Platinum with rewards options), and wealth management/investment services. They also offer listed accounts for youth and early payday features.
Wellby differentiates itself through member benefits like the referral program ($50 for both referrer and new member), multiple banking channels (mobile, online, in-person, telebanking, ATM access), free identity theft recovery, Zelle integration, and a focus on affordability with no-fee checking. Their mortgage services include calculators and educational resources for first-time homebuyers, and they offer listed loan products like ATV, boat, and motorcycle financing.
As a credit union, Wellby is NCUA-insured and member-owned, meaning profits theoretically benefit members rather than external shareholders. However, like most financial institutions, they require membership eligibility and have rate restrictions (promotional rates are time-limited). Their investment services and wealth management offerings suggest a focus on more affluent members, and specific APR/APY details require application.
This is state-level context for Credit Unions consumers in Houston, TX. It does not confirm that Jsc or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Jsc processed 1,155 mortgage applications in 2023, with 73.8% recorded as approved across 2 states.
1,155
Applications
73.8%
Approval Rate
$193K
Avg Loan
2
States Served
Based on 1,155 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Jsc offers 12 services including Secure Spending checking account (high-yield, no monthly fees), Youth checking and savings accounts, Savings Plus account with rate-doubling feature, Certificates of deposit and IRA savings, Fixed-rate and adjustable-rate mortgages, and 7 more.
Jsc has profile signals associated with Houston-area homebuyers and homeowners seeking mortgage, refinance, or home equity products, Credit union members wanting no-fee checking with competitive savings rates and early payday access, Individuals refinancing vehicle loans or seeking multi-product member benefits (checking + savings rate doubling), First-time homebuyers needing educational resources and mortgage guidance.
Key strengths: No monthly service fees on Secure Spending checking account with high yield APY; Rates can double (up to 3.30% APY savings) when pairing Savings Plus with checking account; Early Payday feature allows access to paycheck funds before standard deposit date. Areas to consider: Promotional rates (HELOC 4.99%, vehicle loans 4.39%) are introductory only; standard rates not transparently displayed on homepage; Membership eligibility requirements not clearly detailed on website, limiting accessibility.
In the Credit Unions category, comparable providers include A+ Federal Credit Union, ALLIANCE Credit Union, Security Service Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Wellby Financial is profile signals for Houston-area residents seeking an affordable, member-owned alternative to traditional banks with no-fee checking, competitive savings rates, and comprehensive mortgage/lending products. The primary caveat is that promotional rates (HELOC 4.99%, vehicle loans 4.39%) are time-limited introductory offers, and standard rates should be verified before applying; membership eligibility and specific account terms require further research beyond the homepage.
Texas-based federal credit union offering checking, savings, auto loans, mortgages, and home equity products with a mobile-first approach and member-focused service model.
Google rating from 1,135 reviews
Profile signals: Texas residents seeking a digital-first banking experience with a mobile-optimized platform, Auto loan refinancers looking to lower existing rates through credit union partnerships
Member-owned credit union headquartered in Lubbock, TX, offering checking, savings, loans, mortgages, and credit cards with a not-for-profit service model.
Google rating from 803 reviews
Profile signals: Lubbock-area residents seeking competitive loan rates and personalized service from a member-owned institution, Homebuyers interested in listed mortgage programs (FHA, VA, USDA, construction, self-employed loans) with dedicated loan officers
Security Service FCU is a San Antonio-based federal credit union founded 1956 with $13B+ in assets. NCUA insured. 70+ branches in TX, CO, UT. BBB A+ accredited. Originally serving military/federal employees.
Google rating from 1,765 reviews
Profile signals: San Antonio area residents and military personnel seeking credit union banking, Consumers wanting NCUA-insured deposits and competitive loan rates
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Jsc and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.