--- title: "Jefferson Community Credit Union Rates (Nov 2026): Mortgage 7.96%" description: "Jefferson Community Credit Union rates today: 30 year fixed mortgage 7.96% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Jefferson Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/indiana/jefferson-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Jefferson Community Credit Union Rates (Nov 2026): Mortgage 7.96% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.956% APR | 7.875% | — | Standard | | **15-Year Fixed** 15 year fixed | 7.479% APR | 7.375% | — | Standard | | **10-Year Fixed** 10 year fixed | 7.394% APR | 7.250% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.961% APR | 7.875% | — | Standard | Jefferson Community Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Jefferson Community Credit Union offers a 30-year fixed mortgage at 7.956% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/indiana/jefferson-community) , verified from [Jefferson Community Credit Union's official website](https://www.jcfcu.com/) Best product position **Room to improve vs. the Indiana median** 30-year fixed mortgage Gap to state best **200 bp** 200 bp from state best Vs. state median **45 bp behind median** 30-year fixed mortgage Products ranked **2** across tracked Indiana markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.96% | Room to improve vs. the Indiana median | 200 bp from state best | 45 bp behind median | | 15-year fixed mortgage | 7.48% | Room to improve vs. the Indiana median | 247 bp from state best | 33 bp behind median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Jefferson Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=jefferson-community&state=indiana&code=IN&name=Jefferson%20Community%20Credit%20Union) Loading branch locator… ## About Jefferson Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.1K Assets $18.3M Founded 1969 Locations reported 2 NCUA charter 19319 Charter type Federal credit union ### Services and member support - Online membership application - Electronic statements - Mobile payments 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. [**Clifty Creek Employees** Main · Madison · IN · 47250-1669 About 2.9 miles away](https://rateapi.dev/credit-unions/indiana/clifty-creek-employees) [**Centra** Madison · Madison · IN · 47250-1605 About 3.0 miles away](https://rateapi.dev/credit-unions/indiana/centra) [**Business and Industrial** 2118 Lanier Drive · Madison · IN · 47250 About 4.0 miles away](https://rateapi.dev/credit-unions/indiana/business-and-industrial) [**L & N** LAGRANGE · LAGRANGE · KY · 40031-9535 About 28.8 miles away](https://rateapi.dev/credit-unions/kentucky/l-n) [**Hoosier Hills** Lawrenceburg · Lawrenceburg · IN · 47025 About 32.9 miles away](https://rateapi.dev/credit-unions/indiana/hoosier-hills) [**Community Spirit Credit Union** Community Spirit CU · Lawrenceburg · IN · 47025-1116 About 33.2 miles away](https://rateapi.dev/credit-unions/indiana/community-spirit-credit-union) 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 Community Credit Union Membership eligibility from Jefferson Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Jefferson Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location jefferson, trimble, carroll — IN, KY Verified from [Jefferson Community Credit Union's membership page](https://www.jcfcu.com/membership.php) . Final membership determination is always made by the credit union. ## Membership rules for Jefferson Community Credit Union Geography 3 counties 3 published paths to membership, last verified August 21, 2026, quoted from Jefferson Community Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Carroll County, KY - Jefferson County, IN - Trimble County, KY “The name change decision was deemed necessary to identify the credit union more closely to the expanded area from which the field of membership originally came, namely Jefferson County, Indiana, and surrounding counties including Trimble and Carroll Counites in Kentucky.” > [source ↗](https://www.jcfcu.com/membership.php) 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 Community Credit Union? Yes No ## Work at Jefferson Community 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 Community Credit Union ranks against Indiana peers. - See which AI assistants fetched Jefferson Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Indiana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=jefferson-community&state=indiana&code=IN&name=Jefferson%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Jefferson Community Credit Union offer? Jefferson Community Credit Union currently offers mortgage 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 Community Credit Union rates updated? RateAPI verifies Jefferson Community 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 Community Credit Union's rate data? Rate data is collected directly from Jefferson Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Jefferson Community Credit Union's mortgage rate? As of November 12, 2026, Jefferson Community Credit Union offers a 30-year fixed mortgage at 7.956% APR. ### Who can join Jefferson Community Credit Union? Jefferson Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 3 counties for Jefferson Community Credit Union, each quoted from Jefferson Community Credit Union's own published membership criteria. ## Related Rate Data Compare Jefferson Community Credit Union's rates against national credit-union benchmarks. [More Indiana credit unions](https://rateapi.dev/credit-unions/indiana) [Indiana mortgage rate leaders](https://rateapi.dev/mortgage-rates/indiana) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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://www.jcfcu.com/) ### 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 Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Indiana 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 Community Credit Union curl "https://api.rateapi.dev/credit-unions/indiana /jefferson-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Jefferson Community Credit Union locations Search, filter, and browse all 2 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/indiana/jefferson-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp