Credit union · NCUA insured
Jefferson County Teachers Credit Union
A $16.1M credit union headquartered in Monticello, FL, with 1,354 members and 1 branch in Florida. Best rates: savings 0.30% APY.
Jefferson County Teachers Credit Union Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#14 of 18 in Tallahassee, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Jefferson County Teachers Credit Union
Founded in 1964 and based in Monticello, Florida, Jefferson County Teachers Credit Union is a member-owned cooperative financial institution.
- Headquarters
- 1500 W Washington St, Monticello, FL 32344-1134
- NCUA charter
- 67341
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living, working, or worshiping in Jefferson County are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
- Employees of the Jefferson County Senior Citizens Center are eligible for membership.
- Employees of Aucilla Solid Waste Administration are eligible for membership.
Military, government and schools
- Employees of Aucilla Christian Academy are eligible for membership.
- Employees of the City of Monticello are eligible for membership.
6 more ways to join
Military, government and schools
- Employees of the Jefferson County Board of County Commissioners are eligible for membership.
- Employees of the Jefferson County Health Department are eligible for membership.
- Employees of the Jefferson County School Board are eligible for membership.
- Employees of Somerset Academy Charter School K-12 at Jefferson County are eligible for membership.
- State of Florida employees who are currently working, retired, or residing in Jefferson County are eligible for membership.
Family and household
- Immediate family members and combinations of eligible persons are eligible for membership.
Cost to join
- A $5 minimum balance is required in a Share (savings) account.
Branches
1 branch in Florida
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Florida
1 branch
- Jefferson County Teachers Credit UnionMain office1500 W Washington St, Monticello, FL 32344Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.91% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.85% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $75 | $59 | — |
- CapitalNet worth ratio13.91%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.85%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$75Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Jefferson County Teachers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.