--- title: "J.c.t. Credit Union Rates - Texas" description: "Current auto loan, and savings & cd rates from J.c.t. Credit Union in Texas. Updated daily with source verification. See who can join J.c.t. Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/jct" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # J.c.t. Credit Union Rates - Texas ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Up to 84 months rates start at** auto_any_84mo | — APR | 5.990% | 84 mo | Context only | | **Up to 120 months rates start at** auto_any_120mo | — APR | 7.750% | 120 mo | Context only | | **Up to 96 months rates start at** auto_any_96mo | — APR | 8.750% | 96 mo | Context only | J.c.t. Credit Union auto & vehicle rates as of November 13, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **$500 Minimum Balance** savings | 0.35% APY | 0.35% | — | Context only | | **Quarterly Dividend** savings | 0.50% APY | 0.50% | — | Context only | J.c.t. Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Depends on total debt & credit history rates start at** other | — % | 8.000% | — | Standard | J.c.t. Credit Union other rates as of November 13, 2026 J.c.t. Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/jct) , verified from [J.c.t. Credit Union's official website](https://jacksoncountyfcu.com/contact/) Loading branch locator… ## About J.c.t. Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 600 Assets $10.7M Founded 1971 Locations reported 1 NCUA charter 20581 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Student scholarships 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. [**Jackson County** Jackson County FCU · Edna · TX · 77957 About 5.7 miles away](https://rateapi.dev/credit-unions/texas/jackson-county) [**Texas Dow Employees** TDECU-Edna · Edna · TX · 77957-3742 About 6.2 miles away](https://rateapi.dev/credit-unions/texas/texas-dow-employees) [**Cal-Com** Cal-Com Federal Credit Union · Victoria · TX · 77901 About 20.3 miles away](https://rateapi.dev/credit-unions/texas/cal-com) [**Victoria** Victoria Federal Credit Union · Victoria · TX · 77901-4522 About 21.5 miles away](https://rateapi.dev/credit-unions/texas/victoria) [**Victoria Teachers** Office · Victoria · TX · 77901-7363 About 22.6 miles away](https://rateapi.dev/credit-unions/texas/victoria-teachers) [**Port of Houston Warehouse** Victoria City-County Emp FCU · Victoria · TX · 77901 About 23.9 miles away](https://rateapi.dev/credit-unions/texas/port-of-houston-warehouse) 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 J.c.t. Credit Union Membership eligibility from J.c.t. Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on J.c.t. Credit Union's website. Check the membership page below to confirm whether you qualify. **Cost to join:** About $5. Verified from [J.c.t. Credit Union's membership page](https://jacksoncountyfcu.com/become-a-member/) . Final membership determination is always made by the credit union. ## Work at J.c.t. 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 J.c.t. Credit Union ranks against Texas peers. - See which AI assistants fetched J.c.t. Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=jct&state=texas&code=TX&name=J.c.t.%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does J.c.t. Credit Union offer? J.c.t. Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are J.c.t. Credit Union rates updated? RateAPI verifies J.c.t. Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get J.c.t. Credit Union's rate data? Rate data is collected directly from J.c.t. 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 J.c.t. Credit Union? J.c.t. Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare J.c.t. Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-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://jacksoncountyfcu.com/contact/) ### 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 J.c.t. Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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 J.c.t. Credit Union curl "https://api.rateapi.dev/credit-unions/texas /jct " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## J.c.t. Credit Union locations Search, filter, and browse all 1 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/texas/jct Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp