Jackson River Community Credit Union

Loans - include interest received from credit card programs, mortgages, personal and vehicle loans (both in-house and through the dealer indirect lending program). Each member is considered and approved for a loan based on a board approved policy. All members, regardless of account balance, must demonstrate ability to repay, willingness to repay and be credit worth based on the credit union's loan policy.

Fee Income - fees charged to members. While the credit union strives to maintain a low fee rate schedule, some fees are needed. Fees, in many cases, can be avoided. These fees include non-sufficient funds fee, negative overdraft fees, late payment fees and dormant fees. Other fees charged for cu services include safe deposit box rental fees, stop payment fees and wire fees. Of the $960,986, $428,592 is Visa Check Card - Interchange Income. This amount is offset by $360,887 in Visa Check Card expenses.