--- title: "Jefferson Credit Union Rates - Alabama" description: "Current mortgage, vehicle loan, heloc, personal loan, and credit card rates from Jefferson Credit Union in Alabama. Updated daily with source verification. See who can join Jefferson Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/jefferson-credit-union" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Jefferson Credit Union Rates - Alabama ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mobile Home-New (Closed End)** other | — APR | 9.625% | — | Standard | Jefferson Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Vehicles 2024-Newer (Closed End)** auto | — APR | 4.500% | — | Standard | | **New Boats & Watercrafts 2024 and Newer** boat_new | — APR | 6.000% | new | Standard | | **Vehicles 2017-2023 (Closed End)** auto | — APR | 6.500% | — | Standard | | **Used Boats and Watercrafts 2023 or Older** boat_used | — APR | 7.000% | used | Standard | | **New RV Loan (2024 and Newer)** rv_new | — APR | 8.000% | new | Standard | | **Used RV Loan (2023 and Older)** rv_used | — APR | 9.000% | used | Standard | Jefferson Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (HELOC) (Open End)** heloc_variable | — APR | 7.000% | — | Standard | Jefferson Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Share Secured-Variable Rate (Closed End)** personal_secured | — APR | 2.100% | — | Standard | | **Personal Signature Loans (Closed End)** personal_unsecured | — APR | 10.000% | — | Standard | | **Prosperity Line of Credit** ploc_variable | — APR | 12.900% | — | Standard | | **Personal Lines of Credit (Open End)** ploc_variable | — APR | 13.500% | — | Standard | | **Pathway 180 Line of Credit** ploc_variable | — APR | 17.900% | — | Standard | | **Holiday Loans (only available during holiday season)** personal | — APR | 28.000% | — | Standard | Jefferson Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Personal Credit Cards-Secured (Open End)** credit_card_secured | — APR | 10.650% | — | Standard | | **Visa Signature Rewards Credit Card (Open End)** credit_card_rewards | — APR | 12.650% | — | Standard | | **Visa Classic Credit Cards (Open End)** credit_card | — APR | 13.250% | — | Standard | Jefferson Credit Union credit card rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Fixed Real Estate (Closed End)** other | — % | 6.125% | — | Standard | | **Back-To-School Loans (only available during July and August)** other | — % | 28.000% | — | Standard | Jefferson Credit Union other rates as of November 12, 2026 Jefferson Credit Union is a credit union in Alabama. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/jefferson-credit-union) , verified from [Jefferson Credit Union's official website](https://jeffersoncreditunion.org/) Loading branch locator… ## About Jefferson Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 8.1K Assets $92.1M Founded 1941 Locations reported 4 NCUA charter 63834 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**America's First** Hoover Branch · Hoover · AL · 35226-3337 About 2.0 miles away](https://rateapi.dev/credit-unions/alabama/americas-first) [**Alabama** Hoover Branch · Hoover · AL · 35216-4918 About 2.1 miles away](https://rateapi.dev/credit-unions/alabama/alabama) [**Platinum** Alabama Branch · Hoover · AL · 35216 About 2.1 miles away](https://rateapi.dev/credit-unions/georgia/platinum) [**Alatrust** Main Office · Hoover · AL · 35244-1005 About 2.6 miles away](https://rateapi.dev/credit-unions/alabama/alatrust) [**Alabama Central** Homewood · Birmingham · AL · 35209-6315 About 2.9 miles away](https://rateapi.dev/credit-unions/alabama/alabama-central) [**Eco** Adminstrative · Birmingham · AL · 35211-6978 About 3.0 miles away](https://rateapi.dev/credit-unions/alabama/eco) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Jefferson Credit Union Membership eligibility from Jefferson Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Jefferson Credit Union's website. Check the membership page below to confirm whether you qualify. - Location jefferson, shelby, bibb, tuscaloosa, walker, blount, st. clair — AL Verified from [Jefferson Credit Union's membership page](https://jeffersoncreditunion.org/info-center/membership/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Jefferson Credit Union Geography 7 counties 14 published paths to membership, last verified August 27, 2026, quoted from Jefferson Credit Union’s own published criteria. ### Geography 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Bibb County, AL - Blount County, AL - Jefferson County, AL - Shelby County, AL - St. Clair County, AL - Tuscaloosa County, AL - Walker County, AL “You must live or work in the Alabama counties of Jefferson, Shelby, Bibb, Tuscaloosa, Walker, Blount or St. Clair.” > [source ↗](https://jeffersoncreditunion.org/info-center/membership/become-a-member/) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Jefferson Credit Union? Yes No ## Work at Jefferson Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Jefferson Credit Union ranks against Alabama peers. - See which AI assistants fetched Jefferson Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=jefferson-credit-union&state=alabama&code=AL&name=Jefferson%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Jefferson Credit Union offer? Jefferson Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Jefferson Credit Union rates updated? RateAPI verifies Jefferson Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Jefferson Credit Union's rate data? Rate data is collected directly from Jefferson Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Jefferson Credit Union? Jefferson Credit Union publishes its membership criteria on its own website. RateAPI tracks 14 published membership paths covering 7 counties for Jefferson Credit Union, each quoted from Jefferson Credit Union's own published membership criteria. ## Related Rate Data Compare Jefferson Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [Alabama mortgage rate leaders](https://rateapi.dev/mortgage-rates/alabama) [Alabama auto loan rate leaders](https://rateapi.dev/auto-loan-rates/alabama) [Alabama HELOC rate leaders](https://rateapi.dev/heloc-rates/alabama) [Alabama personal loan leaders](https://rateapi.dev/personal-loan-rates/alabama) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://jeffersoncreditunion.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Jefferson Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Jefferson Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /jefferson-credit-union " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Jefferson Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/jefferson-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp