Rates

Loans

Rates effective as of April 1, 2018

Loan Type Term Rate APR
New Auto Up to 36 Months 36 months 2.99% - 6.00% 2.99% - 6.00%
New Auto 37 to 84 Months

72 months over $20,000 financed
84 months over $40,000 financed

84 months 2.99% - 6.00% 2.99% - 6.00%
Used Auto: 2016-2018 Model Years

72 months over $20,000 financed
84 months over $40,000 financed

Up to
84 months
2.99%-6.00% 2.99%-6.00%
Used Auto: 2013-2015 Model Years Up to
60 months
3.49% - 7.00% 3.49% - 7.00%
Used Auto: 2010-2012 Model Years Up to
48 months
4.29% - 8.00% 4.29% - 8.00%
Older Vehicles: 2009 & Older Up to
36 months
7.50% - 15.50% 7.50% - 15.50%
New Motorcycles, Travel Trailers, Boats & Recreational Vehicles 60 months 2.99% - 6.00% 2.99% - 6.00%
Motorcycles, Travel Trailers, Boats & Recreational Vehicles: 2013-2018 Model Years Up to
48 months
3.49% - 7.00% 3.49% - 7.00%
New Motorcycles, Travel Trailers, Boats & Recreational Vehicles: 2012 Model Year & Older Up to
48 months
8.00% - 16.00% 8.00% - 16.00%
Personal Unsecured 60 months 9.00% - 17.00% 9.00% - 17.00%
Share Secured 60 months 6.00% 6.00%
Certificate Secured 60 months 7.00% 7.00%

Risk Based: The following disclosure applies to all loan types listed except Share and Certificate Secured.  The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness.  Please ask us for the rate you qualify for.

Mortgages

Rates effective as of April 1, 2018

Loan Type Rate APR Points
1 Year Adjustable Rate Mortgage 5.5% 5.5% 0
10 Year Fixed Rate Mortgage 6.00% 6.00% 0
15 Year Fixed Rate Mortgage 6.50% 6.50% 0
15 Year Fixed Rate Home Equity 4.10% 4.10% 0
10 Year Fixed Rate Home Equity 4.05% 4.05% 0
5 Year Fixed Rate Home Equity 4.00% 4.00% 0
Home Equity Line of Credit Intro Rate 6.00% 6.00% 0

Savings Account Rates

Rates effective as of April 1, 2018

Account Type APY Dividend/Interest
Shares $5.00 - $3999.99

Minimum deposit $5.00

0.02% 0.02%
Shares $4,000.00 - $9,999.99 0.025% 0.025%
Shares over $10,000.00 0.05% 0.05%
Christmas Clubs 0.02% 0.02%
Escrow Accounts 0.02% 0.02%
IRA Shares 0.15% 0.15%

Certificates

Rates effective as of April 1, 2018

Certificate Type Term APY Dividend/Interest
Share Certificate 6 Month 6 months 0.10% 0.10%
Share Certificate 12 Month 12 months 0.15% 0.15%
Share Certificate 36 Month 36 months 0.30% 0.30%
Safari Saver 12 Month Share Certificate 12 months 0.40% 0.40%
IRA Share Certificate 12 Month 12 months 0.15% 0.15%
IRA Share Certificate 36 Month 36 months 0.30% 0.30%

APR = Annual Percentage Rate
APY = Annual Percentage Yield

Additional rates and terms available – call Jessop Community FCU at 724-229-0720 for current information.