Credit union · NCUA insured
Enlighten Federal Credit Union
A $17.5M credit union headquartered in Jackson, TN, with 1,384 members and 1 branch in Tennessee. Best rates: savings 0.20% APY.
Enlighten Federal Credit Union Carrot Score
65
Carrot Score
Higher than 15% of U.S. banks and credit unions
#7 of 9 in Jackson, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Enlighten Federal Credit Union
Enlighten Federal Credit Union is a financial services cooperative headquartered in Jackson, Tennessee.
- Headquarters
- 1306 Highway 70 Byp, Jackson, TN 38301
- NCUA charter
- 20662
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Kellogg's Jackson, Tennessee are eligible to join Enlighten Federal Credit Union.
Family and household
- Family members of employees of Kellogg's Jackson, Tennessee are eligible to join Enlighten Federal Credit Union.
Cost to join
- Opening and maintaining membership requires completing a Membership Application and depositing a minimum $25 into a Share Account.
Branches
1 branch in Tennessee
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Tennessee
1 branch
- Main OfficeMain office1306 Highway 70 Byp, Jackson, TN 38301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.29% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.69% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.08% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $20 | $59 | — |
- CapitalNet worth ratio14.29%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.69%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.08%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$20Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Enlighten Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.