Loan Rates

Rates include 1/2% discount for payroll deduction or direct deposit.
All rates are subject to change.

Type

Features

Term-APR
Home Equity Loan
650+ FICO Score
Fixed Rate, Member Occupied, 85%
Market Value minus outstanding
balance of first mortgage and liens
Rates Reduced .25% for
Loan-to-value 70% or less
(SJFCU PAYS FEES)
1-60 Months - 4.99%
(Premier)
61-84 Months - 5.24% (Premier)
85-120 Months - 5.74%
(Premier)
121-180 Months - 6.25%
(Premier)
181-240 Months - 6.49% (1)
(Premier)
New Auto Loan
100% financing
1-36 Months - 3.99%
37-60 Months - 4.49%
61-72 Months - 5.24%
Used Auto Loan
(Model Years 2007-2009; 2010 over 15,000 miles)
Up to 100% financing of agreed
purchase price or NADA Retail Value, whichever is less
1-36 Months - 4.49%
37-60 Months - 4.99%
61-72 Months - 5.99%
Used Auto Loan
(Model Years 2004-2006)
Up to 100% financing of agreed
purchase price or NADA Retail
Value, whichever is less
1-36 Months - 4.99%
37-60 Months - 5.49%
New Motorcycle Loan
100% financing
1-36 Months - 4.90%
37-60 Months - 5.90%
61-72 Months - 6.50%

Used Motorcycle Loan
(Last 7 Model Years)
Up to 100% financing of agreed
purchase price or NADA Retail
Value, whichever is less
1-36 Months - 6.50%
37-60 Months - 6.90%
61-72 Months - 6.90%

Personal Loan
$1,000-$2,500
24 Months -- 11.5%

Personal Loan
$2,501-$5,000
36 Months -- 11.5%

Personal Loan
$5,001-$10,000
48 Months -- 11.5%

Platinum Visa Card
$2,000-$25,000
9.9%

(1) A minimum of $75,000 financing.

Rates are subject to change without notice. Rates are based on member's creditworthiness. Rates quoted are the lowest rates for qualified loan applicants.

Rates include 1/2% discount for payroll deduction or direct deposit.

Mortgages: We have many programs available including Conventional Fixed and Adjustable Rates, Balloon Options and Reverse Mortgages. Our pre-approval process will let you know how much house you can afford.

Call today for more information, to apply by phone, and for current rates, at 856-232-9000 or 1-800-582-7640.

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