JetStream FCU

What JetStream FCU does

JetStream Federal Credit Union (JetStream FCU) is a federally chartered, member-owned not-for-profit credit union founded in 1948 and headquartered in Miami Lakes, Florida, operating five branches across Miami-Dade County and Carolina, Puerto Rico. It serves approximately 15,000+ members within a defined field of membership covering Miami-Dade and Broward County residents, Puerto Rico residents in the Carolina/Trujillo Alto/San Juan corridor, Select Employee Groups, and family members of existing members. The institution holds NCUA federal deposit insurance and CDFI certification from the U.S. Treasury, with reported total assets of $280M as of late 2025/early 2026 (up from $238M cited on earlier homepage text).

The product portfolio spans the full retail banking stack: deposits (savings, checking, money market, CDs, IRAs, youth/Generational accounts), consumer and vehicle lending (personal, auto, motorcycle, RV, boat, HELOC, Home Help Rehab, mortgage via the AmeriCU Mortgage partnership), Visa credit and debit cards (including the Hello Credit Card and Business Visa Rewards), and the EasyVest wealth platform (Automated Digital Advisor plus YourChoice self-directed trading tier) powered by Access Softek Advisory Services and DriveWealth. Digital distribution includes a refreshed August 2024 online banking platform, JFCU Mobile iOS/Android app, eStatements, SMS text banking, card management tools, and financial calculators. A wholly owned subsidiary, JetStream Insurance Group LLC, distributes auto, home, and life insurance products.

Revenue is generated primarily through net interest income on the lending and securities book, supplemented by interchange from Visa card transactions, fee income (overdraft, ATM, wire transfer, late payment, $20 no-credit-check loan application fees), and recurring investment management fees (0.5% annual advisory on EasyVest; $2.50-$3/month for YourChoice, waived for Signature Members). Member acquisition runs through a hybrid community-led and direct-to-consumer GTM: referrals ($50/$50 program), community partnerships (Kristi House, Nevis Association of South Florida, South Florida Hispanic Chamber of Commerce), financial education content via the Practical Money Skills platform, plus online onboarding and the 5-branch plus CO-OP Shared Branching (5,600+ branches, 100,000+ ATMs) physical footprint. Bauer Financial 5-Star rating and 2024 Business of the Year (Miami Lakes) recognition underpin brand positioning.

Name

JetStream FCU

Legal name

JetStream Federal Credit Union

Website

https://jetstreamfcu.org

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

101–250 employees

Short description

JetStream Federal Credit Union is a member-owned, CDFI-certified credit union serving 15,000+ members across Miami-Dade County, Florida and Puerto Rico with deposits, consumer and vehicle lending, Visa credit cards, EasyVest investments, and insurance products across five branches.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130), Credit Unions (52213)

SIC

Commercial Banks, Nec (6029)

akta.pro primary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending products
• Credit union services
• Small business banking
• Investment and savings

Headquarters

HQ city

Miami Lakes

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: Primary revenue source from interest charged on loan products including personal loans, auto loans, mortgages, HELOCs, RV/boat loans, business loans, and credit cards. Competitive rates offered to members.
2. Interest Income from Investments/Securities: Earnings from investment portfolio and securities using member deposits.
3. Fee-Based Income: Various fees including overdraft fees, ATM fees (for out-of-network), wire transfer fees, loan application fees ($20 for No Credit-Check loans), late payment fees, and account maintenance fees as outlined in fee schedule.
4. Credit Card Interchange: Revenue from credit card transaction processing and interchange fees on Visa credit card purchases.
5. Investment Account Management Fees: EasyVest platform charges include 0.5% annual account management/advisory fee (0.042% monthly) with $0.50 minimum, and $2.50-$3 monthly fee for YourChoice self-directed accounts (waived for Signature Members).

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels6 records

Core offering

JetStream Federal Credit Union is a member-owned, not-for-profit federal credit union offering deposit products (savings, checking, money market, CDs, IRAs), consumer and business lending (personal, auto, RV, boat, motorcycle, HELOC, mortgage, home help rehab loans, business loans, lines of credit, commercial real estate), Visa credit and debit cards, and investment services via the EasyVest platform (automated digital advisor and self-directed brokerage). It serves more than 15,000 members across Miami-Dade County, Florida and Puerto Rico through five branches, a mobile and online banking platform, and the CO-OP Shared Branching network.

Differentiator

Problem solved

Functional benefit

Brands

• JetStream Rewards: Credit card rewards program allowing members to earn points on purchases and redeem for travel, merchandise, gift cards, and cash back.
• EasyVest
• JetStream FCU Puerto Rico

Products and services

• EasyVest Automated Digital Advisor Automated investment management service for JetStream FCU members that uses algorithmic portfolio management to build personalized diversified portfolios based on risk tolerance, time horizon, and financial goals. Starts at $200 minimum with 0.5% annual advisory fee and no monthly management fee.
• EasyVest YourChoice Self-directed investment platform for JetStream FCU members offering real-time trading of over 6,000 stocks and ETFs with fractional share support. Commission-free up to 500 shares or 50 trades per month; $1,000 minimum investment; $2.50–$3 monthly fee (waived for Signature Members).
• Hello Credit Card Consumer Visa credit card with no annual fees, rewards earning on purchases through the JetStream Rewards program, and secure payment options. Targeted at personal banking members.
• JetStream Rewards Program Credit card rewards program allowing JetStream FCU members to earn points on everyday purchases and redeem for travel, merchandise, gift cards, and cash back. Includes Shop & Earn bonus point offers and 2X travel points promotions.
• Business Visa Rewards Credit Card Business Visa credit card earning 5,000 bonus points for $1,500 in spend within 90 days, with rates from 14.49% APR, credit limits from $500–$50,000, no annual fee, and Visa fraud protection/travel assistance.
• HELOC (Home Equity Line of Credit) Home equity line of credit with a 2.99% APR introductory rate for the first 6 months, then as low as 6.25% APR, with a 10-year draw period and 15-year repayment term. No application, origination, or annual fees; up to $1,000 in closing costs waived.
• Home Help Loan Home renovation financing product designed to help homeowners fund home improvement projects, launched as part of JetStream FCU's 75th anniversary.
• Auto Loans Vehicle financing for new and used cars at rates starting at 4.99% APR for new cars and 5.24% APR for used cars, with a Miami-Dade 90 days no payments promotion available.
• RV Loans Recreational vehicle financing for new and used RVs, motor homes, and campers. Rates from 5.99% APR (new) to 8.99% APR (used) depending on term length; terms up to 144 months available.
• Motorcycle Loans Financing for motorcycle purchases, offered by JetStream FCU as part of its vehicle lending lineup.
• Boat Loans Marine vessel financing for boat purchases offered by JetStream FCU.
• Personal Loans Unsecured personal loans up to $20,000 with rates starting at 9.99% APR, including Signature Loans, Personal Lines of Credit, Secured Personal Loans, and No Credit-Check Loans ($600 or $1,000 over 6-month term with a $20 application fee).
• Mortgage Loans Home mortgage products offered to JetStream FCU members through the AmeriCU Mortgage partnership, including Conventional, FHA, VA, USDA loans, Renovation Loans, and Jumbo Mortgages. Local mortgage experts serve Miami-Dade County.
• Savings Accounts Basic savings accounts with competitive rates, including the all-purpose membership savings account required to open a JetStream FCU membership for $5.
• Certificates (CDs) Fixed-term deposit accounts with guaranteed returns and competitive rates for specified periods, available to personal and business members.
• Money Market Accounts Savings accounts offering higher interest rates than traditional savings with limited access to funds, available to JetStream FCU personal members.
• IRA (Individual Retirement Accounts) Traditional and Roth Individual Retirement Account options for retirement savings with tax advantages, including an IRA Savings Account at 0.25% APY with $1 minimum deposit.
• Generational Accounts (Jet Teen / Junior Youth Accounts) Savings accounts for children and teenagers (ages 0–17) including Jet Teen and Junior accounts, designed to help youth learn financial goals and saving habits. Parents serve as joint account holders.
• Checking Accounts Transaction accounts with no annual costs, free check deposits, and access to online and mobile banking services, included free with JetStream FCU membership.
• Debit Cards Free Visa debit card with the Debit Purchase Rewards program and access to 100,000+ fee-free ATMs through the CO-OP Shared Branching network.
• Overdraft Services Overdraft protection services to cover member transactions when balances are insufficient, with the related Skip-A-Pay option to defer loan payments.
• Skip-A-Pay Loan payment deferral option allowing eligible JetStream FCU members to skip a scheduled loan payment with ease when they need a financial break.
• Digital Banking Online banking platform for JetStream FCU members providing account management, transfers, bill pay, statements, and loan applications, with enhanced bill pay functionality, real-time alerts, and budget alerts in the August 2024 platform release.
• Mobile Banking (JFCU Mobile) JFCU Mobile application for iOS and Android providing account access, mobile deposits, payments, card management, and EasyVest investment management for members on smartphones and tablets.
• Business Checking Business transaction account for JetStream FCU business members offering unlimited check writing, free check deposits, a free Visa debit card, free online banking and bill pay, free mobile deposits, and no monthly fee.
• Business Savings Business savings accounts with competitive interest rates for building reserves and managing business finances, available to JetStream FCU business members.
• Business Debit Card Free Visa debit card for business accounts offering expense management capabilities to JetStream FCU business members.
• Business Loans Business financing for JetStream FCU business members including lines of credit, commercial real estate loans, and equipment loans for growth and operations.

Quantifiable outcome

• Interest rates as low as 2.99% APR on HELOCs (introductory rate for 6 months)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• AmeriCU MortgagecoreChannel Partner/ Reseller/ DistributorMortgage lending partnership providing JetStream members access to conventional, FHA, VA, USDA loans, renovation loans, and jumbo mortgages through AmeriCU Mortgage. Local mortgage experts serve Miami-Dade County members. Contact: (800) 979-9997 ext. 1221.
• CO-OP Shared Branching NetworkcoreChannel Partner/ Reseller/ DistributorShared branching partnership giving JetStream members access to 5,600+ credit union branches nationwide and 100,000+ fee-free ATMs. Members can deposit, withdraw, transfer funds, and make loan payments at any participating CO-OP location.
• Access Softek Advisory Services / DriveWealthcoreTechnology or IntegrationTechnology partnership powering the EasyVest investment platform. Access Softek provides the automated digital advisor and portfolio management algorithm using BlackRock iShares ETFs. DriveWealth provides brokerage services (SEC-registered broker-dealer, FINRA/SIPC member).
• Kristi HouseminorGTM or Marketing PartnerCommunity partnership with nonprofit child advocacy center. JetStream supports Kristi House through annual toy drives, volunteerism, and charitable initiatives. Kristi House nominated JetStream for Sunshine Award.
• South Florida Hispanic Chamber of Commerce (SFLHCC)minorGTM or Marketing PartnerMembership and sponsorship in regional Hispanic business chamber. JetStream recognized with Sunshine Award at SFLHCC Annual Sunshine Awards.
• Nevis Association of South FloridaminorGTM or Marketing PartnerCommunity nonprofit organization serving Nevisian diaspora. JetStream served as Silver Sponsor of 17th Anniversary Christmas Banquet.
• Practical Money SkillsminorGTM or Marketing PartnerFinancial education partnership providing members access to financial wellness resources and educational content through the Practical Money Skills platform.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Suncoast Credit Union: Florida's largest credit union ($15B+ assets) serving members across the state. Comparable in offering full personal and business banking, but operates at vastly greater scale with proprietary digital platforms and broader field of membership that overlaps JetStream's Miami-Dade territory.
• Space Coast Credit Union: Florida-based credit union ($7B+ assets) offering similar consumer and business banking products with statewide field of membership. Comparable product set (loans, deposits, investment, business banking) but competes for the same Florida Hispanic and general consumer market from a much larger asset base.
• MIDFLORIDA Credit Union: Florida-headquartered credit union with comparable consumer and business product offerings. Operates at greater scale than JetStream but competes for similar consumer banking customers in Central and South Florida.

Direct peers

• Dade County Federal Credit Union: Miami-Dade-based federal credit union with similar community-banking focus, serving local residents and businesses. Most directly comparable peer given shared Miami-Dade geographic footprint, federal charter, and member-focused operating model.
• Tropical Financial Credit Union: South Florida credit union serving the Miami-Dade and Broward region with similar community focus and bilingual service. Directly comparable in member profile, geographic concentration, and product mix to JetStream FCU.
• Power Financial Credit Union: Florida-based community credit union offering similar deposit, loan, and digital banking products with comparable community-banking positioning in South Florida markets.
• First South Financial Credit Union: Florida community credit union serving a defined membership with similar product offerings including consumer loans, mortgages, and business banking. Comparable in scale and community-banking orientation to JetStream FCU.
• Achieva Credit Union: Florida-based credit union offering similar consumer and business banking products. Comparable community focus and product portfolio with overlapping Florida geography.

Others

• AmeriCU Mortgage: Mortgage partner of JetStream FCU providing conventional, FHA, VA, USDA, and jumbo loan products. Functionally adjacent — a partner rather than competitor — but represents the type of community mortgage originator JetStream could resemble or acquire to internalize mortgage production.

Regional players

• Banesco USA: Hispanic-focused community bank operating in Miami with similar bilingual service model and target demographic. Comparable in serving the Hispanic community in South Florida though structured as a bank rather than credit union.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@jetstreamfcu
• Xx.com/JetStreamFCU

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about JetStream FCU