Jefferson Credit Union Home Financing Solutions

At Jefferson Credit Union, we believe that a home is the foundation of community and lifelong memories. It’s where your personal story unfolds. Our commitment to “People helping people” is reflected in our comprehensive home financing options, designed to support you at every step of your homeownership journey. From purchasing your dream home to refinancing or leveraging your home’s equity, our team is dedicated to providing you with personalized service and competitive rates

Conventional Mortgages

Embrace the stability and security of our Conventional Mortgages. Select from our 10, 15, or 30-year fixed-rate mortgages and enjoy the certainty of a consistent rate throughout the life of your loan. With fixed monthly payments, you can plan your finances with ease, assured that your rate remains unchanged.

Adjustable-Rate Mortgage (ARM)

Explore the advantages of our Adjustable-Rate Mortgage for lower initial payments. Benefit from reduced payments at the start of your loan, with the adaptability of periodic rate adjustments. Our ARM rates are anchored to the 30 Year Freddie Mac 60 Day Commitment plus a margin, guaranteeing a competitive rate that adapts with the market.

Home Equity Lines of Credit (HELOCs)

Maximize your home’s potential with a Jefferson Credit Union HELOC. Ideal for home improvements, debt consolidation, or significant expenditures, our HELOCs provide attractive rates and the versatility to draw from your home’s equity. With rates starting as low as 8.50% APR, you have the freedom to access funds on your terms.

At Jefferson Credit Union, we’re more than just a lender; we’re part of your community. Our pledge to offer affordable, flexible financial solutions is a testament to our philosophy of “People helping people.” Discover the perfect home loan option that aligns with your unique lifestyle.

Please be aware that the rates and specifics mentioned are reflective of the most recent information and may be subject to adjustments. For the latest rates and terms, kindly visit our website or reach out to a Jefferson Credit Union mortgage expert. We’re eager to assist you in making the most informed decision for your financial well-being.


Prior to embarking on the journey of refinancing or purchasing a home, or making any significant financial choices, consider consulting with our partners at Greenpath. They offer expert guidance on preparing your credit and financial standing ahead of initiating the home loan procedure. Collaborating with them from the outset can position you optimally, enhancing the likelihood of your mortgage application transitioning to an approval, and securing the most favorable interest rate tailored to your credit profile.