Loan Rates

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

PROMOTIONAL RATES
1/1/2012 - 2/29/2012

Type
Features
Term-APR
Home Equity Loan
Fixed Rate, Member Occupied,
75% LTV, NO CLOSING FEES,
SJFCU refinances must include $25,000
of new money for Premier Plus and
Classic Plus Rate
Premier Plus *
1 - 60 months - 3.49%
700+ FICO Score
Classic Plus **
1 - 60 months - 4.49%
650+ FICO Score
New Auto Loan
100% Financing
Premier Plus *
1 - 60 months - 2.99%
700+ FICO Score
Classic Plus **
1 - 60 months - 3.99%
650+ FICO Score
Used Auto Loan
(model years
2009 - 2011; 2012
over 15,000 miles)
Up to 100% financing of agreed
purchase price or NADA Retail Value,
whichever is less.
Premier Plus *
1 - 60 months - 3.49%
700+ FICO Score
Classic Plus **
1 - 60 months - 4.49%
650+ FICO Score
Used Auto Loan
(model years
2006 - 2008)
Up to 100% financing of agreed
purchase price or NADA Retail Value,
whichever is less.
Premier Plus *
1 - 36 months - 4.99%
700+ FICO Score
Classic Plus **
1 - 36 months - 5.74%
650+ FICO Score
Used Auto Loan
(model years
2003 - 2005; dealership purchases only)
Up to 100% financing of agreed
purchase price or NADA Retail Value, whichever is less.
See "Additional Loan Rates"
   

* Premier Plus - must meet all requirements of Premier Credit Category and have a minimum FICO Score of 700.

** Classic Plus - must meet all requirements of Classic Credit Category and have a minimum FICO Score of 650.

Other rates and terms available. Auto loan promotional rates are for new loans only. SJFCU refinances are not included.
     
ADDITIONAL LOAN RATES

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% *
61-84 Months – 5.49% *
85-120 Months – 5.49% *
121-180 Months – 5.99% *
181-240 Months – 6.49% * (1)
New Auto Loan
100% financing
1-60 Months – 3.49% *
61-72 Months – 4.49% *
Used Auto Loan
(Model Years 2009-2011; 2012 over 15,000 miles)
Up to 100% financing of agreed
purchase price or NADA Retail Value, whichever is less
1-60 Months – 3.99% *
61-72 Months – 4.99% *
Used Auto Loan
(Model Years 2006-2008)
Up to 100% financing of agreed
purchase price or NADA Retail
Value, whichever is less
1-60 Months – 5.49% *
Used Auto Loan
(model years
2003 - 2005; dealership purchases only)
Up to 100% financing of agreed
purchase price or NADA Retail Value, whichever is less.
1-36 Months - 6.99% *
37-48 Months - 8.99% *
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 listed are in the Premier category.

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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