J C T Federal Credit Union has been serving the employees of the Edna, Ganado and Industrial School Districts since 1971. We take pride in providing you with fast, accurate and confidential services. We offer a full range of services including Share Draft Accounts (Checking) that pays you an annual dividend credited monthly, no monthly service charge and no minimum balance required. Members who maintain a Share Draft Account may also take advantage of our VISA Debit Card. Use it just like a credit card, your account is automatically debited for retail purchases or withdrawals at any ATM. Over-Draft protection is available from your Regular Share Account or Line-of-credit Loan.