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Rates

April 2017

Spring is here, are you ready? We’ve lowered our rates just for the occasion. We've got loans for vacations, lawn/garden equipment, boats, RV's, new & used cars... just about anything you can think of!
 

Click here to see some of the exciting low rates at Jackson County Teachers Credit Union.


Don't forget -- we always match our competitors rates on auto and recreational loans to qualified buyers.

 

If you have any questions or require current rate information on your accounts, please call Mary at (850) 526-4470.

Last Dividend Declaration Date: March 30, 2007. APY = Annual Percentage Yield

The dividend rates and APY's listed for a share/savings, sharedraft, and money market accounts were the rates paid on the last dividend declaration date set forth above. They are compounded monthly, based on the daily balance. These dividend rates and APY's may change every month, as determined by the Board of Directors (APY assumes all dividends are reinvested.) Account balance must have a minimum balance of $100.00 to earn dividends. For accounts with tiered rates, if the average daily balance in the account is equal to or exceeds the minimum tier amount, the dividend rate and APY will be paid on the entire balance in the account. Dividends are paid from current Income and available earnings, after the required transfers to reserves at the end of the dividend period. Fees and other conditions could reduce the earnings. A penalty will be imposed for early withdrawal of Share Certificates. Share accounts are insured up to $250,000 by the National Credit Union Insurance Fund, an Independent agency of the United States Government.

Share Rate .50% APY: .50%
Share Draft Rate 0% APY: 0%
Share Certificate Rate .65% APY: .65%

Loan Rates

  Approx. Term Annual Percentage Rate Daily Periodic Rate
New Vehicle 75 months As low as 4.75% .016164%
  60 months As low as 4.25% .015041%
  48 months As low as 3.99% .013698%
  36 months As low as 3.99% .013698%
  24 months or less As low as 3.99% .013698%
Program Vehicle 72 months or less 5.99% .016164%
Used Vehicle 60 months or less From 6.25% to 9.99% .020547%
Older Used Vehicle  36 months or less 11.00% .030136%
New Title Secured (non-auto/non-motorcycle) 180 months or less 7.50% .020547%
Used Title Secured (non-auto/non-motorcycle) 120 months or less 8.00% .021917%
New Motorcycles 72 months or less 7.50% .020547%
Used Motorcycles 60 months or less 8.00% .021917%
Non-Titled Secured 60 months or less 9.50% .026027%
Open End Line of Credit Varies 13.90% .038082%
Special Unsecured Varies 18.00% .049315%
Match Rate (auto/title secured) Varies Varies Varies