JCTCU serves the employees of the Jefferson County School Board, Employees of the Jefferson County Board of County Commissioners, Employees of the City of Monticello, Employees of Aucilla Christian Academy, Employees of the Jefferson County Senior Citizens Center, Employees of Aucilla Solid Waste Administration, Employees of the Jefferson County Health Department, Employees of this Credit Union, Employees of Somerset Academy Charter School K-12 at Jefferson County, and State of Florida Employees who are currently working, retired, or residing in Jefferson County. Immediate family members of these employees area also eligible to join, and any persons living, working or worshiping in Jefferson County.