Call Us Toll Free:  1-888-772-3040
Loans

JCFCU members can get great rates on vehicle loans, personal loans, and home equity loans, and we offer the convenience of payroll deduction for your loan payments. You must be a member of this credit union in order to borrow.

Types of Loans and Rates (as of 5/1/2017)

Share/Certificate Loan - personal loan that is secured by the equivalent amount of shares in a member’s savings account or certificate. Members may borrow up to 100% of the value of their shares at any time.

Signature Loan - unsecured personal loan. Eligible amount based on length of employment, credit history, and income.

New Auto - financing available up to 100% of the retail/purchase price. Ask about our car buying service.

Used Auto - financing available up to 100% of the NADA value. Automobiles of an antique or classic status will require a certified classic vehicle appraisal.

Home Equity Loans - borrow against the equity in your home up to $150,000. Terms are fixed for the life of the loan.

 Loan Type  Terms    APR as Low as*  Application Fee
 Share Secured  6 - 120 months  2.75%  $10.00
 CD Secured  Up to CD maturity  2% above cd rate  $10.00
 Signature/Personal  12 - 72 months  6.00%  $25.00
 New Auto  12 - 84 months  2.00%  $25.00
 Used Auto  12 - 72 months  3.00%  $25.00
 Home Equity  60 - 180 months  4.00%  $150.00

 *APR=Annual Percentage Rate. Published rate is base rate available for qualified borrowers only, including 0.25% reduction for automatic payment from your JCFCU account. Actual rate based on individual creditworthiness, length and type of loan. Rates and terms subject to change at any time. Interest accrues from the date the loan is funded.

Mortgages
- Purchasing or refinancing. Call us at 1-877-887-8984 or click below
for more information.


Student Loans


 



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Click on the link below to print an application for a vehicle or personal loan. Completed applications may be submitted in person, by mail, or by fax. You can also call us at 1-888-772-3040 to apply over the phone (please call after 12:00 noon). All applicants agree to have their credit and employment histories verified, and they must provide copies of most recent pay stubs before loans will be approved.

Click here => LOAN APPLICATION

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