Join us on April 15, 2025, for our Annual Meeting & Board of Directors Election!
For more information on the Board Election, including Nominee bios and the petition process, click here.

Routing Number: 313083992
Branches and ATMs

Make a Payment
Rates & Fees
Contact Us

Make a Payment
Rates & Fees
Contact Us

Checking
Free High Yield Checking, Premium Perks
Enjoy a high yield, no monthly service fees, Early Payday, and other premium perks with a Wellby Secure Spending account. (APY = Annual Percentage Yield)
Open Now
Savings
Take Your Savings Further
Pair your Wellby Savings Plus account with any Wellby checking account and double your savings rate** to earn up to 3.82% APY*
**DOUBLE YOUR RATE!
Mortgages
Save Money with a Lower Rate on a 10-Year ARM
An Adjustable-Rate Mortgage (ARM) gives you flexibility and more buying power to own your dream home.
LEARN MORE & APPLY ONLINE
Home Equity
- Home Loans
  Home Equity Loan
  Home Equity Line of Credit (HELOC)
- Rates
  Home Equity Rates
  HELOC Rates
- Resources
  Your Guide to HELOCs
Meet Your Home’s Hidden Potential with a Wellby HELOC
Take advantage of our special promotional rate as low as 5.99% APR* for the first 12 months
Learn More
Loans & Credit
Love Your Car, Love Your Payment
We can help you find a payment that fits your budget with rates as low as 5.39% APR*!
LEARN MORE
Investing
- Investment Services
  Start Investing
  Manage Investments
  Build Wealth
  Wealth Management
Helping you turn your investment goals into reality
From financial advice to hands-on guidance, we're here to assist you in creating a plan and staying on track.
Learn More
Resources
Financial Power in Your Pocket
Wellby mobile banking empowers you to manage your finances from a single platform anywhere life takes you.
DOWNLOAD OUR APP
About
- About Us
  Our Story
  Our Board
  Wellby Difference
- Community
  Habitat for Humanity House Build
- Member Advocacy Group
- Newsroom
  Annual Reports
  Press Releases
- Premier Partner Program
Discover the Wellby Difference
At Wellby, you’re more than just an account holder and our purpose is to help turn your dreams into reality.
START HERE

Routing Number: 313083992
Branches and ATMs
Make a Payment
Rates & Fees
Contact Us

Checking
Savings
Mortgages
Home Equity
Loans & Credit
Investing
Resources
About

Accounts
Secure Spending
Youth Checking
Checking FAQs

Rates
Secure Spending Rates
Youth Checking Rates

Features
Debit Cards
Direct Deposit
Early Payday
Identity Theft Recovery
Overdraft Services

Bank Anywhere
In-Person Banking
Mobile Banking
Online Banking
Telebanking

Free High Yield Checking, Premium Perks

Enjoy a high yield, no monthly service fees, Early Payday, and other premium perks with a Wellby Secure Spending account. (APY = Annual Percentage Yield)

Open Now

Accounts
Savings Plus
Savings
IRA Savings
Youth Savings
Savings FAQ

Rates
Savings Rates
Youth Saving Rates
Certificate Rates

Certificates
CD FAQs

Take Your Savings Further

Pair your Wellby Savings Plus account with any Wellby checking account and double your savings rate** to earn up to 3.82% APY*

**DOUBLE YOUR RATE!

Mortgages
Fixed-Rate Mortgage
Adjustable-Rate Mortgage
Mortgage Refinancing
Investment Property
Mortgage FAQs

Rates
Fixed Rates
Adjustable Rates
Jumbo Rates

Loan Officers

Blog Articles
How to Save for a Home Downpayment
Options for First-Time Homebuyers
Mortgage Terms to Know

Save Money with a Lower Rate on a 10-Year ARM

An Adjustable-Rate Mortgage (ARM) gives you flexibility and more buying power to own your dream home.

LEARN MORE & APPLY ONLINE

Home Loans
Home Equity Loan
Home Equity Line of Credit (HELOC)

Rates
Home Equity Rates
HELOC Rates

Resources
Your Guide to HELOCs

Meet Your Home’s Hidden Potential with a Wellby HELOC

Take advantage of our special promotional rate as low as 5.99% APR* for the first 12 months

Learn More

Vehicle Loans
New & Used Cars
Auto Refinancing
ATV Loan
Boat Loan
Motorcycle Loan
Recreational Vehicle
Vehicle Loans FAQ

Rates
Vehicle Loan Rates
Auto Refinance Rates
Credit Card Rates
Personal Loan Rates

Credit Cards
Visa Platinum
Visa Platinum Rewards

Personal Loans
Debt Consolidation
Line of Credit
Secured Personal Loan
Unsecured Personal Loan

Love Your Car, Love Your Payment

We can help you find a payment that fits your budget with rates as low as 5.39% APR*!

LEARN MORE

Investment Services
Start Investing
Manage Investments
Build Wealth
Wealth Management

Helping you turn your investment goals into reality

From financial advice to hands-on guidance, we're here to assist you in creating a plan and staying on track.

Learn More

Locations
ATMs
Branch Locations
Branch Status
Holiday Hours

Security Center
Report Fraud or Lost Card
Fraud & Scam Protection
Identity Theft Recovery

Tools and Forms
Account Forms
Currency Exchange
Disclosures
Financial Calculators
Online Payment Center
Video Library

Financial Wellness
Financial Wellness Center
Blog Articles

Events
Annual Meeting 2025
Financial Classes

FAQs

Insurance Offers
AD&D Insurance

Promotions

Financial Power in Your Pocket

Wellby mobile banking empowers you to manage your finances from a single platform anywhere life takes you.

DOWNLOAD OUR APP

About Us
Our Story
Our Board
Wellby Difference

Community
Habitat for Humanity House Build

Member Advocacy Group

Newsroom
Annual Reports
Press Releases

Premier Partner Program

Discover the Wellby Difference

At Wellby, you’re more than just an account holder and our purpose is to help turn your dreams into reality.

START HERE

Tools

Determine the next step in your financial journey. Plan for today, tomorrow, and beyond.

Tools Built for You

Financial Calculators

Security Center

Location Center

laptop displaying digital banking tools and a calculator to help you manage your finances

Tools Built for You

Our tools are available for everyone and designed to help promote your financial well-being.

Use our financial calculators to help plan your path from today’s needs to tomorrow’s dreams.
Discover peace of mind and learn how to secure your financial future.
Not sure where to find what you need? We’ll guide the way.

Financial Calculators

Don’t just dream about your future, plan how you’re going to get there.

Let's Get Started

screenshots of Wellby's financial calculators available to use for free

Security Center

We’ve got you covered. Learn how we help keep you protected.

Go to Security Center

illustration of a chat bubble with an exclamation mark inside for our security center message feature

Location Center

Looking for notary services or a location with drive-thru banking? Find what you need, where you need it.

Find a Location Near You

a screen shot of google maps showing one of our solution center locations

Let's Get Started

You’re just a few clicks away from starting your new financial journey.
Let’s reach your dreams together.

Wellby Tools FAQ

Learn more about the free tools offered by Wellby!

Learn More

Common Questions

What online tools does Wellby offer?

Wellby offers financial calculators and payment estimators so that you can plan out your financial goals. We also offer a security center to help you stay protected when using online and mobile banking, as well as how you can protect yourself from potential fraud threats.

Are these tools free for members?

Yes. Our financial calculators and security information is free of charge for any Wellby member. Additional online tools are available to our membership via the Wellby mobile app and online banking portal.

How do I find a branch that offers the services I’m looking for?

You can use Location Center to find the closest branch to your home or place of business, or which branch offers the services you’re seeking.

JSC Federal Credit Union does business as Wellby Financial ("Wellby"). By doing business with Wellby Financial, you acknowledge that you are doing business with JSC Federal Credit Union.