Loans

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. There are NO prepayment penalties. Pay early and save on interest.

Vehicle Loans

Whether you’re in the market for a new or used vehicle or want to refinance from another lender, we’re here to meet your needs with our competitive rates, flexible terms, and low monthly payments.

New Autos

We have terms as long as 72 months or financing as much as 100% of your purchase price. New vehicles financed for less than 3 months through dealer financing can be re-financed at the credit union at the new auto rate and term (fees and restrictions apply).

Used/Pre-Owned Autos

Just like our new auto loans, we have terms as long as 72 months and finance as much as 100%.

Auto Secured

If you have the title to your vehicle, you can borrow up to 80% of the average Blue Book value. Auto Secured loans have a term of up to 60 months.

REFINANCE FROM ANOTHER INSTITUTION

Want to lower your monthly car payment? We may be able to save you hundreds of dollars on interest charges over the loan’s lifespan. 

Visa Credit Card

Our “Ri” classic Visa card offers a very low fixed rate with limits from $500 up to $10,000.

Personal Loans

Whether you need to consolidate your debts, have unexpected expenses or emergencies, or just need funds for almost any other reason, a personal loan might be what you need.

Share-Secured

With a share-secured loan, you can borrow up to 100% of your available funds deposited in your share (savings) account. The amount secured declines as you pay off your loan. Your funds on deposit will continue to earn dividends. Share-secured loans have terms of up to 84 months.

Consent to Pledge

Similar to a share-secured Loan, you can borrow up to 100% of available funds deposited into your pledger’s share (savings) account. The amount pledged declines as you pay off your loan. Funds on deposit will continue to earn dividends. Consent to Pledge loans have a term of up to 84 months.

AUTO-SECURED / TITLE LOAN

If your title is lien-free, you can qualify to get the cash you need. The loan amount is based on the vehicle’s value and your ability to repay. Once you’re approved for the loan, we’ll keep your title until you pay off the loan in full.

Co-Maker Loan

With only one qualified co-signer, you can borrow up to $7,500 at a term of up to 48 months.

Signature Loan

Secure 20% in your share (savings) account and borrow up to $5,000 at a term of up to 48 months.

Vacation Loans

Borrow from $1,000 to $5,000 with only 10% secured in your share (savings) account.

Share Draft/ATM Overdraft Protection

Overdraft protection kicks in when you don’t have enough in your share draft (checking) account to cover a check or electronic transaction. Rather than us returning your check NSF (nonsufficient funds), we pay the check and pull from your overdraft loan.

Home and Home Equity Loans

We finance residential properties- Primary Residence, Second Homes, and Investment Properties 1-4 units. View for additional info and current rates.