Loan Rates
At JACom Credit Union, we offer a variety of loans to meet your borrowing needs. All loan approvals are subject to credit and income evaluation. Rates vary depending on one’s creditworthiness, terms, and amount financed. Rates and terms are subject to change without notice.
Personal, Credit Card, & Other Loans
| Loan Type | Maximum Financing | Term | APR¹ |
|---|---|---|---|
| Share-Secured | Avail. Amt. in Shares | 84 Months | 3.00% + last declared dividend rate |
| Consent to Pledge | Avail. Amt. in Pledger’s Shares | 84 Months | 3.00% + last declared dividend rate |
| Share Certificate | Amt. in Share Certificate | ² | 3.00% + rate earned |
| Co-Maker | $10,000.00 | 60 Months | 10.00% |
| Signature | $10,000.00³ | 60 Months | 10.00% |
| Share Draft - ATM/Overdraft Protection (increments of $200.00) | $1,000.00 | 24 Months | 16.50% |
| Visa Card | $10,000.00 | N/A | 12.60% |
| ***Remaining term of certificate | **** + rate earned | N/A | N/A |
Home Loans
For info and current rates, check credit union quick app.
Vehicle Loans
Loan rates listed below are the lowest rates offered based on the applicant’s individual credit history plus other factors.
New Auto Loans
| Loan Type | Maximum Financing | Term | APR¹ |
|---|---|---|---|
| New Auto | 80% of Purchase Price | 60 Months | 7.90% |
| New Auto | 80% of Purchase Price | 72 Months | 8.90% |
| New Auto | 90% of Purchase Price | 60 Months | 8.90% |
| New Auto | 90% of Purchase Price | 72 Months | 9.90% |
| New Auto | 100% of Purchase Price | 60 Months | 9.90% |
| New Auto | 100% of Purchase Price | 72 Months | 10.90% |
Pre-Owned Auto Loans ⁴ ⁵
| Loan Type | Maximum Financing | Term | APR¹ |
|---|---|---|---|
| Pre-Owned or Refinance ≤ 3 Years Auto Secured ≤ 3 Years |
80% of Purchase Price | 60 Months | 8.90% |
| Pre-Owned or Refinance ≤ 3 Years Auto Secured ≤ 3 Years |
80% of Purchase Price | 72 Months | 9.90% |
| Pre-Owned or Refinance ≤ 3 Years Auto Secured ≤ 3 Years |
90% of Purchase Price | 60 Months | 9.90% |
| Pre-Owned or Refinance ≤ 3 Years Auto Secured ≤ 3 Years |
90% of Purchase Price | 72 Months | 10.90% |
| Pre-Owned or Refinance ≤ 3 Years Auto Secured ≤ 3 Years |
100% of Purchase Price | 60 Months | 10.90% |
| Pre-Owned or Refinance ≤ 3 Years Auto Secured ≤ 3 Years |
100% of Purchase Price | 72 Months | 11.90% |
Motorcycle Loans
| Loan Type | Maximum Financing | Term | APR¹ |
|---|---|---|---|
| New Motorcycle | 100% of Purchase Price | 60 Months | 7.00% |
| Pre-Owned Motorcycle | 100% of Purchase Price | 60 Months | 8.00% |
| Dealer purchases only. No private party sales | |||
ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Rates accurate as of 10/31/23. *Please call the Credit Union for current rates.
APR = Annual Percentage Rate. For example, a loan at 7.90% APR for 60 months will
have a monthly payment of $20.24 per $1000 borrowed.
¹ APR = Annual Percentage Rate.
² Remaining term of certificate. If longer than three months, the share certificate will be closed early (fees waived), funds transferred into shares, and a share secured loan can be taken.
³ 10% must be secured in shares.
⁴ A $50.00 CU processing fee is required. If applicable, any DMV fees and sales tax is also required.
⁵ Amount financed is based on the lower of the average Blue Book & Carfax or the purchase price.