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 4.90%
New Auto 80% of Purchase Price 72 Months 5.90%
New Auto 90% of Purchase Price 60 Months 5.90%
New Auto 90% of Purchase Price 72 Months 6.90%
New Auto 100% of Purchase Price 60 Months 6.90%
New Auto 100% of Purchase Price 72 Months 7.90%

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 5.90%
Pre-Owned or Refinance ≤ 3 Years
Auto Secured ≤ 3 Years
80% of Purchase Price 72 Months 6.90%
Pre-Owned or Refinance ≤ 3 Years
Auto Secured ≤ 3 Years
90% of Purchase Price 60 Months 6.90%
Pre-Owned or Refinance ≤ 3 Years
Auto Secured ≤ 3 Years
90% of Purchase Price 72 Months 7.90%
Pre-Owned or Refinance ≤ 3 Years
Auto Secured ≤ 3 Years
100% of Purchase Price 60 Months 7.90%
Pre-Owned or Refinance ≤ 3 Years
Auto Secured ≤ 3 Years
100% of Purchase Price 72 Months 8.90%

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 09/02/24. *Please call the Credit Union for current rates. APR = Annual Percentage Rate. For example, a loan at 4.90% APR for 60 months will have a monthly payment of $18.83 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.