A Word About Our Rates
When you borrow money at JCU, you’re probably going to pay less. When you save money here, you’re probably going to earn more than you would at most other financial institutions. Most other financial institutions are in business to make money. Lots of money. And, they do it by charging higher rates and fees if they loan you money; and, paying you less interest on your savings.
How can we do this and still keep our doors open? We charge you exactly what we need to keep the doors open and not a dime more. We’re not profit-driven; we’re mission-driven. Our mission is to give you access to affordable, flexible financial products that make your life easier. All while treating you exactly how we’d like to be treated: like a valued, trusted neighbor.
Loan Rates
*Rates below are current as of November/22/2024. Please check back regularly. Rates are subject to change.
| Rate Name | APR |
| Vehicles 2022-Newer (Closed End) | as low as 5.10% |
| Vehicles 2015-2021 (Closed End) | as low as 6.20% |
| New Recreational Vehicles 2022 or Newer | as low as 7.65% |
| Used Recreational Vehicles 2021 or Older | as low as 7.90% |
| Personal Signature Loans (Closed End) | as low as 10.80% |
| Rate Name | APR |
| Back To School Loans | as low as 10.80% |
| Personal Lines of Credit (Open End) | as low as 12.90% |
| Visa Classic Credit Cards (Open End) | as low as 9.65% |
| Visa Signature Rewards Credit Card (Open End) | as low as 13.40% |
| Rate Name | APR |
| Personal Credit Cards–Secured (Open End) | 8.90% |
| Certificate Secured (Closed End) | CD Rate + 2.00% |
| Share Secured–Variable Rate (Closed End) | 2.10%–Highest Share Rate + 2.00% |
| Fixed Real Estate (Closed End) | as low as 6.80% |
| Rate Name | APR |
| Mobile Home–New (Closed End) | as low as 5.25% |
| Real Estate–Adjustable Rate Mortgage (ARM) (Closed End) | Rate Changes Daily; 30 Year Freddie Mac 60 Day Commitment + Margin |
| Home Equity Line of Credit (HELOC) (Open End) | as low as 7.75% |
| Holiday Loans (only available during holiday season) | 28% |
| Back-To-School Loans (only available during July and August) | 28% |
| Prosperity Line of Credit | 12.90% |
| Pathway 180 Line of Credit | 17.90% |
Deposit Rates
*Rates below are current as of November/22/2024. Please check back regularly. Rates are subject to change.
Variable Rates1
| Type | Minimum Opening Deposit | Balances (To earn stated dividend) | Dividend Rate | Annual Percentage Yield (APY)2 | Dividend Payment Frequency |
| Regular Share Savings | $5.00 | $25.00 and up | 0.10% | 0.10% | Quarterly |
| My Choice Savings Club | $0.00 | $25.00 and up | 0.10% | 0.10% | Monthly |
| Christmas Club | $0.00 | $0.01 and up | 0.10% | 0.10% | Monthly |
| Jefferson Kids Club | $0.00 | $5.00 and up | 0.10% | 0.10% | Monthly |
| Smart Change Savings | $0.00 | $25.00 and up | 0.10% | 0.10% | Monthly |
| IRA Share Account | $25.00 | $100.00 and up | 0.10% | 0.10% | Quarterly |
| Prosperity Money Market Account | $2,500.00 | $2,500.00—$9,999.99 | 1.00% | 1.00% | Monthly |
| Prosperity Money Market Account | $2,500.00 | $10,000.00—$24,999.99 | 1.09% | 1.10% | Monthly |
| Prosperity Money Market Account | $2,500.00 | $25,000.00—$49,999.99 | 1.24% | 1.25% | Monthly |
| Prosperity Money Market Account | $2,500.00 | $50,000.00—$99,999.99 | 1.49% | 1.50% | Monthly |
| Prosperity Money Market Account | $2,500.00 | $100,000.00 and up | 1.98% | 2.00% | Monthly |
| Prosperity Checking | $25.00 | $0.01-$2,499.99 | 0.10% | 0.10% | Monthly |
| Prosperity Checking | $25.00 | $2,500 and up | 0.20% | 0.20% | Monthly |
Fixed Rates
| Type | Term (Months) | Minimum Balance (To open & maintain certificate account) | Dividend Rate | Annual Percentage Yield (APY)2 | Dividend Payment Frequency |
| Prosperity Certificate of Deposit3 | 12 | $500.00 | 3.93% | 4.00% | Monthly |
| Prosperity Certificate of Deposit3 | 18 | $500.00 | 3.45% | 3.50% | Monthly |
| Prosperity Certificate of Deposit3 | 24 | $500.00 | 3.20% | 3.25% | Monthly |
| Prosperity Certificate of Deposit3 | 36 | $500.00 | 2.72% | 2.75% | Monthly |
| Prosperity Certificate of Deposit3 | 60 | $500.00 | 2.96% | 3.00% | Monthly |
| IRA Certificates—Trad., Roth, Edu. | 12 | $100.00 | 3.93% | 4.00% | Monthly |
| IRA Certificates—Trad., Roth, Edu. | 60 | $100.00 | 2.96% | 3.00% | Monthly |
** Deduct .25% for automatic loan payments.
1The balance shown is the required balance to earn interest at the stated rate. The Balance Method for computing interest is the average daily balance of the account. Rates are subject to change without notice. Interest on other listed savings accounts is paid monthly. Some accounts have transfer/withdrawal limitations. Fees for excessive or early withdrawal may affect the expected earnings on an account. Refer to Truth in Savings Agreement and Disclosure.
2APY = Annual Percentage Yield. Dividends on Regular Shares are paid quarterly.
3Dividends on Prosperity Certificates of Deposit cap at $999,999.99.
4Pathway 180 Money Manager Account is required to purchase a Pathway 180 Certificate.
This supplement is incorporated into, becomes a part of and should be attached to your Agreements and Disclosures. The Annual Percentage Yields (APY) and corresponding dividend rates for each account are shown above. For the purposes of this disclosure, these rates and APY’s were offered within the most recent seven calendar days. The Dividend Rates and APY’s shown herein are current as of the effective date. For more current rates, please call 205-444-4528.