JACOMCU

At JACom Credit Union we offer a variety of loans to meet your borrowing needs. All loan approvals are subject to credit and income evaluation. Rates vary depending on one’s credit worthiness, terms, and amount financed. Rates and terms are subject to change without notice. For Credit Life and/or Credit Disability Insurance calculator, please click here.

 

Loan Type	Maximum Financing	MAX TERM	ANNUAL % RATE
Shared Secured	avail. amt. in shares	84 mos	3.00% *
* + last declared dividend rate
Consent to pledge	avail. amt. in pledger’s shares	84 mos	3.00% **
** + last declared dividend rate
Shared Certificate	amt. in share certificate	*** (7)	3.00% ****
*** remaining term of certificate    **** + rate earned
Auto Secured(1)(5)	80% of high blue book	60 mos	5.85%
New Auto(5)(6)	80% of purchase price	48 mos	3.80%
	80% of purchase price	60 mos	3.80%
	80% of purchase price	72 mos	4.40%
	90% of purchase price	60 mos	3.95%
	100% of purchase price	60 mos	4.40%
Pre-Owned Auto or Refinance Auto From Another Institution (1)(2)(5)
3 years or newer	80% of purchase price	60 mos	3.80%
	90% of purchase price	60 mos	3.95%
older than 3 years	80% of purchase price	60 mos	5.85%
	90% of purchase price	60 mos	6.45%
Co-maker	$7.500.00	48 mos	16.50%
Signature	$5,000.00(3)	48 mos	16.50%
New Motorcycle	100% of purchase price	60 mos	7.00%
Pre-Owned Motorcycle*****	90% of purchase price	60 mos	8.00%*****
***** Dealer purchases only. No private party sales
Vacation	$5,000.00(4)	12 mos	13.50%
	$5,000.00(4)	36 mos	14.50%
Share Draft - ATM/Overdraft Protection (increments of $200.00)	$1,000.00	24 mos	16.50%
Visa card	$10,000.00	--	12.60%
Home Loans Coming Soon.		10 yrs	*

 

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
* Please Contact CU for current rates.

(1) A $50.00 CU processing fee is required. If applicable, any DMV fees and sales tax is also required.
(2) Amount financed is based on the lower of the average Blue Book or the purchase price.
(3) 20% must be secured in shares.
(4) 10% must be secured in shares.
(5) Loan rates listed above are the lowest rates offered based upon applicant's individual credit history plus other factors.
(6) New autos financed for less than three months through dealer financing can be re-financed at the CU at the new auto
     rate and term. A $50 CU processing fee, DMV fees, and a purchase order is required.
(7) If longer than 3 months, the share certificate will be closed early (fees waived), funds put into the shares,
      and a share secured loan can be taken out.