Low-Cost Loans

Jefferson County Teachers' Credit Union has a loan to fit every need as well as every budget. Whether you're planning a vacation, in the market for a new car or building a larger house, we have the lowest rates and competitive terms available. Plus, all our loans are available at simple interest, which is the most economical way to pay. Compare our rates to other financial institutions and you'll see the credit union difference.

Share Secured- This type of loan allows you to borrow at JCTCU's lowest rates by using your credit union savings as collateral. You'll also receive liberal repayment terms.

Signature Loan- This is also known as a personal loan because you can use it for whatever you want. Signature loans are used to pay bills, purchase gifts or a vacation, or to get you through a squeeze in your budget. JCTCU can pre-approve your credit limit for easy access. Loan limits are based on your credit history, income and current obligations.

Line of Credit Loans - This loan provides a pre-approved loan limit, which can be drawn on at anytime by phone, voice response or in person.

New and Used Autos- These loans are our specialty! We offer extended terms and affordable rates. The credit union also offers convenient pre-approvals so you can deal with the dealers on a "cash" basis. If you are thinking about a new or used car, contact or visit the credit union and we'll take care of the rest. Driving a new set of wheels will seem effortless!

Mortgage Loans- Whether you need a first or second mortgage, home equity or home improvement loan, you need to talk to your credit union first. JCTCU offers a wide range of real estate loans that will help you purchase your dream home, spruce up your current home or refinance. Our closing costs are low and repayment terms are convenient. Contact a JCTCU loan officer today.

Other Types of Loans- Jefferson County Teachers' Credit Union also offers loans on boats, recreational vehicles, new furniture, home computers and more... Talk to a loan officer for a payment quote.

VISA/MasterCard- We have the lowest cost credit cards around... choose the card and features you want. When you have a JCTCU credit card it's like getting a free loan when you pay your purchase balance in full by the due date. Plus, our cards are accepted world-wide. Your JCTCU VISA or MasterCard account information is also available to you 24 hours a day online at www.eZCardInfo.com.

Click here for an On-line Loan Application and/or our current Loan Rates.