Interest Rates
|
New 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 499 and below with Board Approval and Co Applicant |
9.99% APR |
Used Cars
|
| With credit score of 700 and above |
4.99% APR |
| With credit score of 600 to 699 |
6.99% APR |
| With credit score of 599 and below |
8.99% APR |
| With credit score of 499 and below with Board Approval and Co Applicant |
10.99% 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. |
8.99% APR |
| With credit score of 700 – 749. Max of $15,000.00. |
10.99% APR |
| With credit score of 600 – 699. Max of $15,000.00. |
11.99% APR |
| With credit score 599 and below. Max of $15,000.00. |
12.99% APR |
| With credit score 499 and below with Board Approval. Max of $15,000.00. |
13.99% APR |
| Debt Consolidation Loan. Up to 48 month term. Max of $20,000.00 |
14.99% APR |
|
|
| All loan applications must be accompanied by proof of income (2 pay stubs) |
Vacation Loans
|
| With 12 months terms ($3000.00 max) |
6.99% APR |
Christmas Loans
|
| With 12 months terms ($3000.00 max) |
6.99% 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 |
1.04 % APR |
| $1,000.00 To $9,999.99 Div Rate |
1.10% APR |
| $10,000.00 To $24,999.99 Div Rate |
1.25% APR |
| $25,000.00 To $9,999,999.99 Div Rate |
1.50% APR |
Second Mortgage
|
| 5,7,10 & 15 year terms, Call for rates! |
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