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 Rates

Deposit Rates 

Savings

Savings
Effective Date: 3/31/2020
Avg BalanceNominal Dividend RateAPY*
$0.00 - $1000.00 0.00% 0.00%
$1,000.01 & up 0.25% 0.25%

 

Checking

Checking
Effective Date: 3/31/2020
Avg BalanceNominal Dividend RateAPY*
$0.00 - $2,000.00 -0- -0-
$2,000.01 & Up 0.10% 0.10%

 

Certificates

Certificates
Effective Date: 5/5/2020
TermMinimum To OpenRateAPY*
6-Month Share Certificate $1,000.00 0.35% 0.35%
12-Month Share Certificate $1,000.00 0.55% 0.55%
18-Month IRA Certificate $1,000.00 0.60% 0.60%
36-Month Share Certificate $1,000.00 0.85% 0.85%

 

Money Market/Golden Share

Money Market/Golden Share Account Rates
Effective Date: 3/31/2020
Avg BalanceNominal Dividend RateAPY*
$500.01 - $10,000 0.20% 0.20%
$10,000.01 - $50,000 0.25% 0.25%
$50,000.01 - Up 0.40% 0.40%

 

IRA

IRA Rates
Effective Date: 3/31/2020
Avg BalanceNominal Dividend RateAPY*
IRA Shares 0.25% 0.25%

 

Clubs

Club Accounts
Effective Date: 3/31/2020
Avg BalanceNominal Dividend RateAPY*
$100 - $999.99 0.25% 0.25%
$1,000.00 & up 0.50% 0.50%

 

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.
 

Motorcycle, Watercraft, & ATV Loans

Motorcycle, Watercraft, & ATV Loans
Effective Date: September 2018
NameRegularPreferredPreferred Plus
New 15.05% 13.05% 9.05%
Used 16.05% 14.05% 10.05%
*APR based on applicant's credit history at time of application processing.
*Maximum Term shall not exceed 72 Months.

 

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%
*APR based on applicant's credit history at time of application processing.
*Maximum Term for Personal Loans is 36 Months.

 

Payday Alternative Loan

Payday Alternative Loan "PAL"*
Effective Date: September 2018
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
 

Mortgage Loans

Please call 575.829.3366 and ask to speak to a loan officer for more information.

 

Other Loans

Please call 575.829.3366 and ask to speak to a loan officer for more information.