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

Ellington

Address
404 FM 1959, Houston, TX 77034

Hours
Monday - Friday: 9:00 a.m. to 5:00 p.m.
Saturday: 9:00 a.m. to 1:00 p.m.
Sunday: Closed

Phone
(281) 488-7070

Amenities

ATM
Coin Machine
Drive-thru ATM
Notary Services
Safe Deposit Boxes

Helping People Prosper

Wellby Financial is a federal credit union and cooperative bank in Houston, Texas. We provide free checking accounts, high-yield saving options, competitive loan rates, affordable mortgage financing, and more. Our friendly, professional team is ready to serve!

Securely discuss your account in online banking.
You can also access this option directly when signed in to online banking or the mobile app by selecting Support in the menu, then clicking Start a Conversation.

Send a message

Make an appointment with one of our team members and we'll call you. Select the date and time that works best for you in a few easy steps.

Schedule a call

Schedule an appointment to meet with a Wellby team member at one of our branches. Select the location, date, and time that works best for you in a few easy steps.

Schedule a visit

Need assistance? Click 'Ask us a question!' in the lower right corner of the website to connect with us. Wellby member service representatives are available for Live Chat during business hours, and our Wellby Virtual Assistant is here to help 24/7 outside of those hours.

Start a chat

Find a solution center or ATM near you.

Visit our locations

Frequently Asked Questions

Do I have to visit a branch to open my new Wellby account?

No, all of our accounts and loans offer online applications that can be completed quickly and at your convenience.

What are the incoming wire instructions for Wellby?

Financial Institution Name: Wellby
Financial Institution Address: 1330 Gemini, Houston, TX 77058
Routing/ABA Number: 313083992
Member Account Number: Member Number + Share ID
Example: 12345678-1000; 12345678-1100; 12345678-1001

How do I report potentially fraudulent charges to my accounts, debit, or credit cards?

A fraudulent charge is a transaction you did not initiate. If you suspect fraudulent activity on your debit or credit card, contact us immediately at (281) 488-7070 or (800) 940-0780. You can also visit one of our branches.

If it's after hours, please call (866) 692-9364 to place an immediate freeze on your card. Contact us the following business day to cancel your card.

After taking the above steps, you must complete and submit the Wellby Credit and Debit Card Fraud Form.

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.