At a glance
From its website, read 2 Nov 2026JetStream Federal Credit Union is a credit union based in Miami Lakes, Florida. Its website describes auto loans, home mortgages and personal loans. The consumer loan APR it states is 9.99%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (786) 619-3279 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.jetstreamfcu.org |
| Office (official list) | 7900 Oak Lane, Suite 300, Miami Lakes, FL 33016 |
What their website says about applying
Apply 24/7 online or visit one of our branch locations today to get started.
sourceFill out our secure online application form.
sourceYou will need proof of income, identification, and details about the RV, motor home, or camper you wish to finance.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Variable rate as low as 6.50% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | As low as 4.99% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | As low as 5.24% | source |
| Personal / consumer loans | Rate: from 9.99% APR | Rates starting at 9.99% APR* | source |
| Loans (general) | Term: see their wording | options up to 144 months | source |
| Loans (general) | Term: see their wording | 15-Year repayment term | source |
| Auto / vehicle loans | Term: see their wording | 73-84 months | source |
| Personal / consumer loans | Term: up to 5 yr | Up to 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
For non-members, you’ll be required to join JetStream FCU.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 18 Jul 2016 |
| RSSD ID | 549787 |
| Address | 7900 Oak Lane, Suite 300, Miami Lakes, FL 33016 Directions (Google Maps) |
| Website | www.jetstreamfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Home equity line is offered only for Florida properties; personal and auto pages show rates but no loan amounts. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Upgrade your ride, | source |
| Home mortgages | — | The JetStream Federal Credit Union Home Equity Line of Credit is only available in Florida. | source |
| Personal / consumer loans | — | Rates starting at 9.99% APR* | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply 24/7 online or visit one of our branch locations today to get started.
source
Pages read (7)
- https://jetstreamfcu.org/
- https://jetstreamfcu.org/personal/spend/credit-cards/rewards-program
- https://jetstreamfcu.org/index.php/personal/spend/credit-cards/rewards-program
- https://jetstreamfcu.org/our-rates
- https://jetstreamfcu.org/index.php/personal/borrow/heloc
- https://jetstreamfcu.org/personal/borrow/heloc
- https://jetstreamfcu.org/personal/borrow/rv-loans
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$9.6 million in 7 awards from the U.S. Treasury's CDFI Fund, 2012–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | CDFI Program, Financial Assistance | $701,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2018 | CDFI Program, Financial Assistance | $1,250,000 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
| 2014 | CDFI Program, Financial Assistance | $1,209,000 |
| 2012 | CDFI Program, Technical Assistance | $92,500 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as JETSTREAM (charter 24718). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $307 million (as of 30 Jun 2026) |
|---|---|
| Members | 14,143 (as of 30 Jun 2026) |
| Offices | 6 in 2 states (as of 30 Jun 2026) |
Offices by state and county (6)
Florida (5 offices)
- Miami-Dade County (5): 7900 Oak Ln Ste 300, Miami Lakes 33016 (main office); 1200 NW 78th Ave Ste 109, Doral 33126; 3663 S Miami Ave Fl 2, Miami 33133; 7500 NW 58th St, Miami 33166; 15420 NW 77th Ct, Miami Lakes 33016
Puerto Rico (1 office)
- Carolina municipio (1): Carretera Estatal 190 Km 0.7 Suite 101, Carolina 00984
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by JetStream Federal Credit Union (NCUA charter 24718, filed as “JETSTREAM”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $237.4 million, 7,438 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 8.6% from $218.6 million on 30 Jun 2025 |
| Members | 14,143 (as of 30 Jun 2026); 14,145 (as of 30 Jun 2025) |
| Loans per member | $16,787 (total loans divided by members, 30 Jun 2026) |
| Total assets | $307 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $18.1 million | 7.6% |
| Used vehicle loans | $33.5 million | 14.1% |
| First-lien home mortgages (1-4 family) | $66.8 million | 28.1% |
| Other real estate loans (junior liens, other) | $50.6 million | 21.3% |
| Commercial (business) loans | $51.7 million | 21.8% |
| Credit cards | $3.4 million | 1.4% |
| Other unsecured loans | $9.8 million | 4.1% |
| Leases and other secured loans | $3.5 million | 1.5% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $307 million | Larger than 37% of the 19 other certified credit unions in Florida (median $493.9 million). |
| Loans as a share of assets | 77% | Median of the same 19 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $218.6 million → $237.4 million (+9%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 12 → 12. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 37% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 12 → 12 of 20 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Miami Lakes and Florida
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
- Calhoun Liberty Credit UnionCredit union · Blountstown, FLAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Central County Community Development CorporationLoan fund · Fort Lauderdale, FLSmall-business loansVerified
Work at JetStream Federal Credit Union? Link to this page
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