Loans are available for all good purposes. Interest rates are very competitive and may vary according to the purpose of the loan and collateral offered.
All credit union loans are calculated as simple interest, with finance charges based on the actual time the borrowed funds are used. This can save you hundreds of dollars over the life of a loan.
We offer a variety of types of loans, including:
Protect Your Loan
Credit Insurance - Credit Life and Credit Disability Insurance is available with most loans. This optional coverage is underwritten by CMFG Life Insurance Company. Please ask your credit union loan officer for details.
Guaranteed Asset Protection (GAP) - MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
New & Used Car Loans
Whether you want a new or used vehicle, you may finance it through us. Preview our loan rates, complete an online application today, and drive in your new car tomorrow.
Are you looking to buy a car or truck but want to do some research first? We have assembled a whole host of services to help you get the most for your money, with as little hassle as possible. Just visit our car buying information page.
Get ready to sail away. If you have been looking to get that special boat for your weekend getaways, we can help. Whether new or used, your Credit Union can finance your dreams at an excellent rate. Complete an online application today to get started.
Getting ready for a road trip? Jefferson County Teachers Credit Union can help you by financing your motorcycle purchase at a great rate. Get pre-approved today by completing an online application - it is your first step to owning your own dream machine.
Other Collateral Loans
Looking to consolidate your debts or simply need an unsecured loan? The Credit Union has a variety of terms and rates to suit your needs. Ask a loan officer for more information or complete an online application today.
Share & Share Certificate Secured Loans
Borrow from yourself and save!
Use your regular share account or Share Certificate as collateral and borrow up to the amount in your account. You will continue to earn dividends on your savings as you pay down your loan.
It's easy - no credit report or income verification required.
Apply today or call or visit our Loan Department for more information.
All loan requests are responded to promptly and in the strictest of confidence.