Login to your Account

Login

interior masthead banner overlay

Loan Rates

Auto Loans

New and Used Auto Loans
Effective Date:  September 2018
TypeTermAPR*Description
New Auto 24 months As low as 2.84% Vehicle may be up to two years old with less than 25,000 miles.
New Auto 36 months As low as 2.94% Vehicle may be up to two years old with less than 25,000 miles.
New Auto 48 months As low as 3.04% Vehicle may be up to two years old with less than 25,000 miles.
New Auto 60 months As low as 3.14% Vehicle may be up to two years old with less than 25,000 miles.
New Auto 72 months As low as 3.24% Vehicle may be up to two years old with less than 25,000 miles.
Used Auto 24 months As low as 3.89% Vehicles up to four years old or with more than 25,000 miles.
Used Auto 36 months As low as 3.99% Vehicles up to four years old or with more than 25,000 miles.
Used Auto 48 months As low as 4.09% Vehicles up to four years old or with more than 25,000 miles.
Used Auto 60 months As low as 4.19% Vehicles up to four years old or with more than 25,000 miles.
Used Auto  60 months As low as 7.89% All  other used vehicles
*APR based on applicant’s credit history at time of application processing.
Example: You could pay as low as $388.00 per month for a $25,000.00 auto loan on approved credit with a 3.24% Annual Percentage Rate for 72 months. APR effective September 2018 and subject to change.

 

Share Secured Loans

Fully Secured Share Loan Rates
Effective Date: September 2018
TypeAmortizeRate
Share Secured Amortize up to 120 Months Share Dividend Rate+2.50%
Share Secured Line of Credit Amortize up to 120 Months Share Dividend Rate+2.50%
Share Certificate Secured* Amortize up to 120 Months Share Dividend Rate+2.50%
*Can only be Secured by Share/Certificate Accounts.
*Cannot use Draft/MM/IRA’s for Share Secured.

 

Personal Loans

Personal Loans*
Effective Date: September 2018
TypeRegularPreferredPreferred Plus
Signature Loan 14.55% 11.05% 9.05%
Line of Credit 14.55% 11.05% 9.05%
Overdraft Protection 14.55% 11.05% 9.05%
*Maximum Term for Personal Loans is 36 Months.

 

Payday Alternative Loan

Payday Alternative Loan "PAL"*
TypeRateFee
1st PAL 28.00% $20.00
All PAL's after 28.00% $10.00
*Maximum Term for Payday Alternative Loans is 6 Months.
*Monthly Payment cannot exceed 25% of Gross Monthly Wages.

 

Small Business Loans

Please call 575.829.3366 and ask to speak to a loan officer for more information.
*JVCU will follow the exceptions listed by NCUA 723.1