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Interest Rates

New Cars

With credit score of 700 and above 2.99% APR
With credit score of 600 to 699 4.99% APR
With credit score of 599 and below 6.99% APR
With credit score 499 and below with Board Approval and Co Applicant 8.99% APR

Used Cars

With credit score of 700 and above 3.99% APR
With credit score of 600 to 699 5.99% APR
With credit score of 599 and below 7.99% APR
With credit score of 499 and below with Board Approval and Co Applicant 9.99% 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 term.  Max of $20,000.00. 8.49% APR
With credit score of 700 – 749.  Max of $15,000.00. 10.49% APR
With credit score of 600 – 699.  Max of $15,000.00. 11.49% APR
With credit score 599 and below.  Max of $15,000.00. 12.49% APR
With credit score 499 and below with Board Approval.  Max of $15,000.00. 13.49% APR
Debt Consolidation Loan.  Up to 48 month term.  Max of $20,000.00 14.49% APR
Loan Special, $5,000.00.  Up to 36 month term.  Rate determined by credit score. 600 to 699 – 6.0%

700  and above – 5.0%

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 .04 % APR
$1,000.00 To $9,999.99 Div Rate .10% APR
$10,000.00 To $24,999.99 Div Rate .25% APR
$25,000.00 To $9,999,999.99 Div Rate .50% APR

Second Mortgage

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

 

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