Comprehensive in-county and US-90 West corridor NCUA-insured credit union and Credit Union Service Organization (CUSO) fiduciary wealth management directory for Jefferson County retirees. Inside Monticello (32344), the Jefferson County Teachers Credit Union (JCTCU, NCUA Charter #67341, Florida Office of Financial Regulation State Charter #40500 / #500, 1500 West Washington Street, Monticello, FL 32344, (850) 342-0250, https://www.jctcuonline.org) operates as Jefferson County's sole locally headquartered brick-and-mortar credit union, serving retired and active Jefferson County educators, public employees, and community members with NCUSIF federally insured share savings, Traditional and Roth IRA Share Certificates (insured up to $250,000 separately), Payable-on-Death (POD) accounts, and low-rate consumer loans. Additionally, Jefferson County sits within the primary field of membership of Tallahassee's two largest educator and state-employee credit unions: (1) Envision Credit Union / Addition Financial Credit Union (historical Envision NCUA Charter #68173, merged into Addition Financial NCUA Charter #68516, Sunbiz Doc# Q19000000042, (850) 942-9000 — indexed in legacy Monticello directories at 1205 S Jefferson St, Monticello, FL 32344 with full-service branches 20 miles west at 3190 Apalachee Pkwy & 440 N Monroe St, Tallahassee), providing CUSO wealth management historically via Envision Financial Services (LPL Financial CRD #6413) and currently via Addition Financial Wealth Management (Raymond James Financial Services Advisors, Inc., Firm CRD #149018 / SEC #801-69815 & CRD #6694, advisors Michael Louis Nagy, CRD #6185388, and Hieu Phi Nguyen, CRD #7949674, 0 disclosures); and (2) First Commerce Credit Union (NCUA Charter #68464, founded 1940 for Florida state employees, operating directly on US-90 West at 2330 Mahan Drive, Tallahassee, FL 32308, (850) 488-0035 / (800) 533-5772), offering CUSO fiduciary retirement planning through Six Pillars Financial Advisors (3343 Thomasville Rd & 2073 Summit Lake Dr, registered with Independent Advisor Alliance, LLC, CRD #168267 / SEC #801-78808 & LPL Financial CRD #6413, and cross-referenced with regional Raymond James CRD #705 / #149018 credit union advisory desks), led by Terri Gregory Jackson, CFP® (CRD #2611128, 0 disclosures) and Program Manager Stephen D. Austin (CRD #6381033, 0 disclosures).
Official Verification Sources: Jefferson County Teachers Credit Union — Official Website (1500 W Washington St, Monticello — NCUA #67341); First Commerce Credit Union (NCUA #68464 — 2330 Mahan Dr) & Six Pillars Financial Advisors (Terri Jackson, CFP® CRD #2611128); Addition Financial / Envision Credit Union (NCUA #68173 / #68516) — Wealth Management (Raymond James CRD #149018)
Issuer: National Credit Union Administration (NCUA) & Florida Office of Financial Regulation (OFR)
Notes: Verified 2026-10-26 via NCUA & Florida OFR: Jefferson County Teachers Credit Union (NCUA #67341, FL OFR ID #40500) at 1500 W Washington St, Monticello, FL 32344 ((850) 342-0250) is the sole physical brick-and-mortar credit union headquartered inside Jefferson County.
Issuer: NCUA, U.S. Securities and Exchange Commission (SEC), FINRA & CFP Board
Notes: Verified 2026-10-26: Envision Credit Union (NCUA #68173, merged into Addition Financial #68516, Sunbiz #Q19000000042, (850) 942-9000; legacy Monticello corridor reference 1205 S Jefferson St; nearest full branches at 3190 Apalachee Pkwy & 440 N Monroe St, Tallahassee) offers CUSO wealth management via Raymond James (CRD #149018 / #6694, advisors Michael L. Nagy CRD #6185388 & Hieu P. Nguyen CRD #7949674, and historical Envision Financial Services / LPL CRD #6413). First Commerce Credit Union (NCUA #68464, East Mahan branch at 2330 Mahan Dr, Tallahassee, FL 32308, (850) 488-0035) offers CUSO wealth management via Six Pillars Financial Advisors (3343 Thomasville Rd & 2073 Summit Lake Dr, Independent Advisor Alliance CRD #168267 / LPL CRD #6413, Terri Gregory Jackson, CFP® CRD #2611128 & Stephen D. Austin CRD #6381033).
Factual details and direct answers about Jefferson County Teachers Credit Union (NCUA #67341 — Monticello HQ), Envision Credit Union / Addition Financial (NCUA #68173 / #68516) & First Commerce Credit Union (NCUA #68464 — Six Pillars Financial Advisors)'s services, licensing, and credentials.
Which credit union has a physical headquarters building inside Monticello, and how do Envision/Addition Financial and First Commerce serve Jefferson County?
Jefferson County Teachers Credit Union (NCUA Charter #67341, FL OFR #40500) operates Jefferson County's in-county brick-and-mortar credit union office on US-90 West at 1500 West Washington Street, Monticello, FL 32344 ((850) 342-0250). In addition, Jefferson County residents are eligible for membership in Envision Credit Union / Addition Financial (NCUA #68173 / #68516, (850) 942-9000, historically indexed on the US-19 South corridor at 1205 S Jefferson St, Monticello, with full branches at 3190 Apalachee Pkwy and 440 N Monroe St in Tallahassee) and First Commerce Credit Union (NCUA #68464, located 18 miles west of Monticello on US-90 at 2330 Mahan Drive, Tallahassee, (850) 488-0035).
Can Jefferson County credit union members meet with a CFP® or registered fiduciary advisor for FRS DROP rollovers?
Yes. First Commerce Credit Union members work with Six Pillars Financial Advisors (Terri Gregory Jackson, CFP®, CRD #2611128, and Stephen D. Austin, CRD #6381033, registered through Independent Advisor Alliance CRD #168267 / SEC #801-78808 and LPL Financial CRD #6413 at (850) 488-0035), while Envision / Addition Financial members work with Addition Financial Wealth Management (Michael L. Nagy, CRD #6185388, and Hieu P. Nguyen, CRD #7949674, registered through Raymond James Financial Services Advisors CRD #149018 / SEC #801-69815 at (850) 942-9000).
Connect with complementary legal, financial, and residential providers serving seniors in Monticello and Jefferson County.
Floyd Faglie, P.L., Morris Law Firm & Collins Law Firm — Floyd B. Faglie, Esq., Robert E. Morris, Esq., David W. Collins, Esq. & Charles M. Collins, Esq. (Monticello Resident Elder Law, Probate & Real Property Counsel)
Monticello, Jefferson County
(850) 997-6300
Heritage Manor Apartments — 36-Unit Dedicated 62+ / Disabled USDA Section 515/521 & FHFC LIHTC Senior Community (Monticello)
Monticello, Jefferson County
(850) 997-4727
Brynwood Health and Rehabilitation Center (#SNF10680961 / CCN #105514 — 97 Beds) & Cross Landings Health and Rehabilitation Center (File #23301 / CCN #105832 — 60 Beds) — Monticello In-County Skilled Nursing & Memory Care Hub
Monticello, Jefferson County
(850) 997-1800
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Farmers & Merchants Bank (FMB — Historic Monticello Domestic Charter #169 / #11286) & Successor Renasant Bank (f/k/a The First Bank — Monticello Main Office)
Monticello, Jefferson County
Capital City Bank (Monticello Branch — FDIC #9622), Capital City Trust Company & Capital City Strategic Wealth / Investments (LPL Financial — Ben Bowersox, CFP®, Greg Mayes & Allie VanLandingham)
Monticello, Jefferson County
Edward Jones — Robert J. Davison, AAMS® & Trent Bish Roberts, AFFP® (Monticello East Washington Street In-County Storefront Branch)
Monticello, Jefferson County
East Tallahassee US-90 (Mahan Drive) & Thomasville Road SEC-Registered CFP® Fiduciary Wealth Hub — Smith Bruer Advisors (CRD #284508), Raymond James (CRD #705), Morgan Stanley (CRD #149777) & Merrill Lynch (CRD #7691)
Monticello, Jefferson County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.