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Interest Rates

New Cars

With credit score of 700 and above 2.49% APR
With credit score of 600 to 699 4.49% APR
With credit score of 599 and below 6.49% APR
With credit score 499 and below with Board Approval 8.49% APR

Used Cars

With credit score of 700 and above 3.49% APR
With credit score of 600 to 699 5.49% APR
With credit score of 599 and below 7.49% APR
With credit score of 599 and below 9.49% APR
100% financing on cars less than 5 years old, 100%
80% on cars older than 5 years based on current NADA retail value. 80%

Personal Loans

With credit score of 750 and above. Up to 60 month terms 9.49% APR
With credit score of 700 – 749 10.49% APR
With credit score of 600 – 699 11.49% APR
With credit score 599 and below 12.49% APR
With credit score 499 and below with Board Approval 13.49% APR
Debt Consolidation Loan 14.49% APR
Loan Special – Credit Score Above 750 – Up to $20,000 – 5Yrs 8.49% APR
All loan applications must be accompanied by proof of income (2 pay stubs)

Vacation Loans

With 12 months terms ($3000.00 max) 6.49% APR

Christmas Loans

With 12 months terms ($3000.00 max) 6.49% APR
*** AMOUNT AND TERM OF HARDSHIP LOANS ARE SUBJECT TO CJPFFCU BOARD OF DIRECTORS APPROVAL ***

Share Account Rates

$0.00 To $999.99 Div Rate .10 % APR
$1,000.00 To $9,999.99 Div Rate .25% APR
$10,000.00 To $24,999.99 Div Rate .50% APR
$25,000.00 To $9,999,999.99 Div Rate .75% APR

Second Mortgage

5,7,10 & 15 year terms, Call for rates!

 

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