What are the current interest rates at Jefferson County Teachers Credit Union?

Current rates for Jefferson County Teachers Credit Union include: Savings: 0.30%

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Jefferson County Teachers Credit Union

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Jefferson County Teachers Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jefferson County Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 8, 2026

Jefferson County Teachers Credit Union's savings rates are at 0.30%. Jefferson County Teachers Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Jefferson County Teachers Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.42%. Rates were last updated on 04/08/2026.

Jefferson County Teachers Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Jefferson County Teachers Credit Union? Share your experience about Jefferson County Teachers Credit Union by leaving a review below, or read customer reviews before you decide to use Jefferson County Teachers Credit Union.

Overall Health & Safety Grade

Solid Health Score: 85/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

20.42%

Good Higher than avg

Jefferson County Teachers Credit Union
Jefferson County Teachers Credit Union

1500 W Washington St
Monticello, FL 32344 1134

https://jctcuonline.org

Jefferson County Teachers Credit Union Savings Rates

Product	Rate	APY
Club Account	-	0.30%
No additional details. Last Updated 04/08/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.42%
Regular Share (Savings) Account	-	0.30%
Min Balance $5 Last Updated 04/08/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.42%

Jefferson County Teachers Credit Union Personal Loan Rates

Product	Rate	APR
Personal Line of Credit Loans	-	9.90%
No additional details. Last Updated 04/08/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.42%
Personal Loans	-	9.90%
No additional details. Last Updated 04/08/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Jefferson County Teachers Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Jefferson County Teachers Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Jefferson County Teachers Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Jefferson County Teachers Credit Union

Website https://jctcuonline.org

Address 1500 W Washington St, Monticello, FL 32344 1134

Phone 850-342-0250

Fax 850-342-1230

President Gladys Roann

CEO Kayla McKown

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.5 / 5.0 ★

Overall Health & Safety Grade

B (85/100)

Texas Ratio

20.42%

Return on Assets (ROA)

0.7440%

Return on Equity (ROE)

5.0650%

Non-Performing Loans Ratio (NPL)

4.30%

Total Assets

15,315,920

Total Amount of Shares and Deposits

13,076,071

Total Shares and Deposits < 1 Year

13,076,071

Total Insured Shares and Deposits > $250K (item 17 less item K)

13,076,071

Total Interest Expense (Sum of items 6 8)

211,489

Share Certificates

136

Number of Accounts for Regular Shares

1,287

All other shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,706,773

Total Liabilities

13,098,678

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Jefferson County Teachers Credit Union

Is Jefferson County Teachers Credit Union a safe place to deposit money?

Yes, Jefferson County Teachers Credit Union is considered a safe financial institution. With a Texas Ratio of 20.420756266027%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Jefferson County Teachers Credit Union operate?

Jefferson County Teachers Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Jefferson County Teachers Credit Union?

Yes, to access services at Jefferson County Teachers Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Jefferson County Teachers Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jefferson County Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Jefferson County Teachers Credit Union offer online and mobile banking?

Most modern institutions like Jefferson County Teachers Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://jctcuonline.org.