Save time - Make your loan payment online

We're pleased to announce that our new online loan payment system is available! Now you can pay your JFCU loan by card or by ACH from an account at another financial institution. Use this system as a guest to make a one-time payment or register to access other features such as recurring payments & viewing payment history.

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Auto Loan Rates
Effective Date: Monday, April 15th, 2024
Auto TypeAPR*Est. Monthly Payment
(per $1,000)
Model Year 2020-2025 As low as 6.90% $30.84
Model Year 2014-2019 As low as 7.40% $31.07
*APR = Annual Percentage Rate. Other rates & terms available. Rate subject to risk adjustment. Credit restrictions apply.

Recreational Vehicle Loan Rates
Effective Date: Monday, April 15th, 2024
Vehicle TypeAPR*Est. Monthly Payment
(per $1,000)
Boat, RV & Travel Trailer
Model Year 2020-2025 As low as 8.45% $31.56
Model Year 2014-2019 As low as 9.45% $32.02
Motorcycle, ATV, UTV, Snowmobile, etc. As low as 8.45% $31.56
*APR = Annual Percentage Rate. Other rates & terms available. Rate subject to risk adjustment. Credit restrictions apply.

Personal Loan Rates
Effective Date: Monday, April 15th, 2024
Loan TypeAPR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Signature Loan As low as 11.00% 36 months 36 payments of $32.74 $15,000
Share or CD Secured 2.50% over rate paid Match to Maturity Varies $100,000
Credit Starter Loan 12.00% 12 months 12 payments of $89.26 $1,000
Overdraft Line of Credit 13.00% Revolving 3.5% of outstanding balance; minimum $15 $200 outstanding balance; minimum $15
Quick Cash Loan 18.00% 4 months Minimum weekly payment $35/$65 bi-weekly $500
$20 application fee applies to all Quick Cash loans regardless of credit and whether or not loan is approved. Discounts do not apply. Must have Credit Union checking account in good standing for at least 3 months.
*APR = Annual Percentage Rate. Other rates & terms available. Rate subject to risk adjustment. Credit restrictions apply.

Credit Card Rates
Effective Date: Monday, April 15th, 2024
Card TypeAPR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Visa ® Platinum Preferred 9.90% Revolving 2.25% of outstanding balance; minimum $15 $15,000
Visa ® Platinum Classic Secured 12.99% Revolving 2.25% of outstanding balance; minimum $15 $500
Visa ® Platinum Classic 12.99% Revolving 2.25% of outstanding balance; minimum $15 $15,000
*APR = Annual Percentage Rate. Credit restrictions apply.

Home Equity Loans
Effective Date: Monday, April 15th, 2024
Loan TypeAPR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Fixed Rate Home Equity Loan As low as 
6.50% Fixed
Up to 120 months $19.57 $200,000
Rate may vary based upon term & LTV. Other rates & terms available.
Premium Home Equity Line of Credit 9.50% - Variable Rate** (Prime Plus 1%) 15 year term; 5 year draw period 1.5% of the outstanding balance or $50; whichever is greater. Minimum: $5,000 Max: $100,000 or 80% loan to value.
Premium HELOC 81% Plus 10.50% - Variable Rate** (Prime Plus 2%) 15 year term; 5 year draw period 1.5% of the outstanding balance or $50; whichever is greater. Minimum: $5,000 Max: $100,000 or 80.01% loan to value.
Premium HELOC 91% Plus 11.50% - Variable Rate** (Prime Plus 3%) 15 year term; 5 year draw period 1.5% of the outstanding balance or $50; whichever is greater. Minimum: $5,000 Max: $100,000 or 90.01% loan to value.
*APR = Annual Percentage Rate. Rate subject to risk adjustment. Credit restrictions apply.
**APR may vary up to a maximum of 18.00%. Prime Rate as disclosed quarterly in the Wall Street Journal.
Stated APR is the base rate available. An applicants actual final rate may be higher, based upon creditworthiness, which applies to mortgages and consumer loans. For other rates, terms, application, and disclosure, call the Credit Union at 989-227-3700. Property being financed must be located in the state of Michigan.  JFCU will acquire a security interest in your home and if timely repayment is not made, your home could be subject to loss. Property insurance on your home is required. There is a $100.00 processing fee plus valuation fee. Any time an appraisal is required for the subject property, the cost will be the borrower's responsibility. Special offers do not apply to the cost of the appraisal.


Insurance Verification

Click here to verify insurance coverage.


Free Credit Report

The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.

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