Jacomcu: Japanese American Community Credit Union

Services - Loans

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.

New Autos

We have terms as long as 72 months or financing as much as 100% of your purchase price. New vehicles financed for less than 3 months through dealer financing can be re-financed at the Credit Union at the new auto rate and term (fees and restrictions apply).

Used/Pre-Owned Autos

Get up to 90% of your purchase price financed at a term of up to 60 months.

Auto Secured

If you have the title to your vehicle, you can borrow up to 80% of the average blue book value. Auto Secured loans have a term of up to 60 months.

Boat, Motorcycle, & RV Loan

We can finance up to 70% of the purchase price of your NEW boat, motorcycle or RV

Visa Credit Card

Our “Ri” classic Visa card offers a very low fixed rate with limits from $500 up to $10,000.

Share Secured

With a share secured loan, you can borrow up to 100% of your available funds deposited in your share (savings) account. The amount secured declines as you pay off your loan. Your funds on deposit will continue to earn dividends. Share Secured loans have terms of up to 84 months.

Consent to Pledge

Similar to a Share Secured Loan, you can borrow up to 100% of available funds deposited into your pledger’s share (savings) account. The amount pledged declines as you pay off your loan. Funds on deposit will continue to earn dividends. Consent to Pledge loans have a term of up to 84 months.

Co-Maker Loan

With only one qualified co-signer, you can borrow up to $7,500 at a term of up to 48 months.

Signature Loan

Secure 20% in your share (savings) account and borrow up to $5,000 at a term of up to 48 months.

Vacation

Borrow from $1,000 to $5,000 with only 10% secured in your share (savings) account.

Share Draft/ATM Overdraft Protection

Overdraft protection kicks in when you don’t have enough in your share draft (checking) account to cover a check or electronic transaction. Rather than us returning your check NSF (nonsufficient funds), we pay the check and pull from your overdraft loan.

Home and Home Equity Loans

We offer real estate loans with competitive rates, terms and points. Our loan department can help you determine what mortgage is right for you. You can also visit our Home Loan Center by clicking on the CU Partners logo below.

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New Leaf Lending

CU Partners