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Jefferson Community Federal Credit Union

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Jefferson Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jefferson Community Federal 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 and Verified: October 13, 2026

Jefferson Community Federal Credit Union's top rate as of October 13, 2026 is rv, boat and powersport loans from 7.50% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Jefferson Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.27%. Rates last updated and verified on 10/13/2026.

Jefferson Community Federal 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 Community Federal Credit Union? Share your experience about Jefferson Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Jefferson Community Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.27%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Jefferson Community Federal Credit Union
Jefferson Community FCU

545 Ivy Tech Dr
Madison, IN 47250

https://jcfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Jefferson Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto/Truck/Van/Motorcycle (New) - 2023 to 2024	-	-	5.00%	66 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (New)	-	-	5.25%	72 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (New) - 2023 to 2024	-	-	5.75%	66 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (New)	-	-	6.00%	72 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	6.00%	-	6.00%	66 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	6.25%	-	6.25%	72 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (New)	-	-	6.50%	84 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	6.50%	-	6.50%	66 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (New)	-	-	6.75%	84 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	6.75%	-	6.75%	72 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	6.75%	-	6.75%	66 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (New) - 2023 to 2024	-	-	7.00%	66 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	7.00%	-	7.00%	72 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	7.25%	-	7.25%	66 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	7.50%	-	7.50%	72 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2013 to 2014	7.75%	-	7.75%	60 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	8.00%	-	8.00%	66 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	8.25%	-	8.25%	72 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2013 to 2014	8.50%	-	8.50%	60 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	8.50%	-	8.50%	66 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2006 to 2012	8.75%	-	8.75%	48 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	8.75%	-	8.75%	72 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2006 to 2012	9.50%	-	9.50%	48 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2013 to 2014	9.75%	-	9.75%	60 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (New) - 2023 to 2024	-	-	10.00%	66 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2006 to 2012	10.75%	-	10.75%	48 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	11.00%	-	11.00%	66 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	11.25%	-	11.25%	72 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	11.50%	-	11.50%	66 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	11.75%	-	11.75%	72 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (New) - 2023 to 2024	-	-	12.00%	66 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2013 to 2014	12.75%	-	12.75%	60 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	13.00%	-	13.00%	66 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2019 to 2022	13.25%	-	13.25%	72 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	13.50%	-	13.50%	66 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2006 to 2012	13.75%	-	13.75%	48 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2015 to 2018	13.75%	-	13.75%	72 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2013 to 2014	14.75%	-	14.75%	60 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto/Truck/Van/Motorcycle (Used) - 2006 to 2012	15.75%	-	15.75%	48 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Jefferson Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	7.50%	7.50%	72 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	8.25%	8.25%	72 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	8.50%	8.50%	84 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	9.25%	9.25%	84 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	9.50%	9.50%	72 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	9.50%	9.50%	120 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	9.75%	9.75%	60 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	-	10.00%	60 months
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	10.25%	10.25%	120 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	10.50%	10.50%	84 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	10.50%	10.50%	60 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	-	10.75%	60 months
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	-	11.00%	36 months
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	11.50%	11.50%	120 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	11.75%	11.75%	60 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	-	11.75%	36 months
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	-	12.00%	60 months
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	12.50%	12.50%	72 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	-	13.00%	36 months
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	13.50%	13.50%	84 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	14.50%	14.50%	72 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	14.50%	14.50%	120 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	14.75%	14.75%	60 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	-	15.00%	60 months
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	15.50%	15.50%	84 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	-	16.00%	36 months
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	16.50%	16.50%	120 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	16.75%	16.75%	60 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	-	17.00%	60 months
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 17.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	-	18.00%	36 months
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Jefferson Community Federal Credit Union Personal Loan Rates

Product	APR	Term
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	7.50%	72 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	8.25%	72 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	8.50%	84 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	9.25%	84 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	9.50%	72 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	9.50%	120 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	9.75%	60 month
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	10.00%	60 months
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	10.25%	120 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	10.50%	84 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	10.50%	60 month
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	10.75%	60 months
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	11.00%	36 months
Details Tier A Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	11.50%	120 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	11.75%	60 month
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	11.75%	36 months
Details Tier B Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	12.00%	60 months
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured - Tier	12.00%
Details Condition: $8,000 48 months. Debt to Income: Above 10% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured Debt to Income Tier A = 48 months	12.00%	48 months
Details $8,000; Debt to Income: Above 10% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	12.50%	72 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured - Tier B	12.75%
Details Condition: $7,000 36 months. Debt to Income: 10% or Less Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured Debt to Income Tier B = $ 7,000 36 months	12.75%	36 months
Details Debt to Income: 10% or Less Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured - Tier	13.00%
Details Condition: $10,000 48 months. Debt to Income: 10% or Less Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured Debt to Income Tier	13.00%	48 months
Details $10,000; Debt to Income: 10% or Less Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 13.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	13.00%	36 months
Details Tier C Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	13.50%	84 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured - Tier C	14.00%
Details Condition: $5,000 24 months. Debt to Income: 10% or Less Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured Debt to Income Tier C = $ 5,000 24 months	14.00%	24 months
Details Debt to Income: 10% or Less Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	14.50%	72 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	14.50%	120 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	14.75%	60 month
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	15.00%	60 months
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	15.50%	84 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	16.00%	36 months
Details Tier D Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2022 - Newer (never been titled) Boats and Personal Watercraft/RV's/Campers Loan	16.50%	120 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used (2006-2021) Boats and Personal Watercraft/RV's/Campers Loan	16.75%	60 month
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
New Boats and Personal Watercraft/RV's/Campers Loan	17.00%	60 months
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 17.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured - Tier D	17.00%
Details Condition: $2,000 12 months. Debt to Income: 10% or Less Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 17.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured Debt to Income Tier D = $ 2,000 12 months	17.00%	12 months
Details Debt to Income: 10% or Less Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 17.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Used Boats and Personal Watercraft/RV's/Campers Loan	18.00%	36 months
Details Tier F Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured Debt to Income Tier F = $ 500 12 months	19.00%	12 months
Details Debt to Income: Up to 15% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 19.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

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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Financial Health History

Jefferson Community Federal Credit Union’s Texas Ratio fell from 1.03% in Q3 2023 to 0.27% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$18M	0.27%	5.0	A+
March 31, 2026	$18M	0.23%	5.0	A+
December 31, 2025	$17M	0.56%	5.0	A+
September 30, 2025	$17M	0.24%	5.0	A+
June 30, 2025	$16M	1.12%	5.0	A+
March 31, 2025	$17M	0.00%	5.0	A+
December 31, 2024	$16M	0.00%	5.0	A+
September 30, 2024	$16M	0.11%	5.0	A+
June 30, 2024	$17M	1.05%	5.0	A+
March 31, 2024	$18M	1.28%	5.0	A+
December 31, 2023	$17M	1.68%	5.0	A+
September 30, 2023	$17M	1.03%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Jefferson Community Federal 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 Community Federal 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 Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Jefferson Community Federal Credit Union

Website https://jcfcu.com

Address 545 Ivy Tech Dr, Madison, IN 47250

Phone 812-265-3003

Fax 812-273-2609

President Susan Poling

CEO Stephanie Marion

Full-Time Employees 5

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.27%

Return on Assets (ROA)

0.6344%

Return on Equity (ROE)

5.9343%

Non-Performing Loans Ratio (NPL)

0.05%

Total Assets

17,961,620

Total Amount of Shares and Deposits

15,957,900

Total Shares and Deposits < 1 Year

15,957,900

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

288,042

Total Uninsured Shares and Deposits > $250K (F+J)

288,042

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

15,669,858

Total Interest Expense (Sum of items 6 8)

14,741

Number of Accounts for Share Drafts

1,146

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,397

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

113,939

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,486,236

Total Liabilities

16,041,592

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Jefferson Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Jefferson Community Federal Credit Union

How many branches does Jefferson Community Federal Credit Union operate?

Jefferson Community Federal 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 Community Federal Credit Union?

Yes, to access services at Jefferson Community Federal 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 Community Federal 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 Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Jefferson Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Jefferson Community Federal 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://jcfcu.com.