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.
Auto Loan Rates
Effective Date: Wednesday, April 30th, 2025
| Auto Type | APR* | Est. Monthly Payment (per $1,000) |
|---|---|---|
| Model Year 2021-2026 | As low as 4.99% | $29.97 |
| Model Year 2015-2020 | As low as 5.24% | $30.08 |
| *APR = Annual Percentage Rate. Other rates & terms available. Rate subject to risk adjustment. Credit restrictions apply. | ||
Recreational Vehicle Loan Rates
Effective Date: Wednesday, April 30th, 2025
| Vehicle Type | APR* | Est. Monthly Payment (per $1,000) |
|---|---|---|
| Boat, RV & Travel Trailer | ||
| Model Year 2021-2026 | As low as 7.95% | $31.32 |
| Model Year 2015-2020 | As low as 8.49% | $31.57 |
| Motorcycle, ATV, UTV, Snowmobile, etc. | As low as 7.95% | $31.32 |
| *APR = Annual Percentage Rate. Other rates & terms available. Rate subject to risk adjustment. Credit restrictions apply. | ||
Credit Card Rates
Effective Date: Wednesday, April 30th, 2025
| Card Type | APR* | Max Term | Est. Monthly Payment (per $1,000) | Max Loan Amount |
|---|---|---|---|---|
| Platinum Mastercard | As low as 8.50% | Revolving | 2.25% of outstanding balance; minimum $15 | $15,000 |
| Platinum Mastercard Secured | As low as 8.50% | Revolving | 2.25% of outstanding balance; minimum $15 | $15,000 |
*APR = Annual Percentage Rate. Other rates & terms available. Rate subject to risk adjustment. Credit restrictions apply. | ||||
Minimum Interest Charge: If you are charged interest, the charge will be no less than$1.50. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars. | ||||
| Click here for full card disclosure. | ||||
Personal Loan Rates
Effective Date: Wednesday, April 30th, 2025
| Loan Type | APR* | Max Term | Est. Monthly Payment (per $1,000) | Max Loan Amount |
|---|---|---|---|---|
| Signature Loan | As low as 10.50% | 36 months | 36 payments of $32.50 | $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. | ||||
Home Equity Loans
Effective Date: Wednesday, April 30th, 2025
| Loan Type | APR* | Max Term | Est. 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 | 8.50% - 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 | 9.50% - 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 | 10.50% - 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. 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. | ||||
| Important Home Equity and Home Equity Line of Credit (HELOC) Disclosures: When you open a Home Equity or Home Equity Line of Credit (HELOC) with Journey Federal Credit Union, you may be required to pay certain fees to open the plan. These fees typically range from $500 to $2,000, depending on the location of your property and the terms of the plan. Additionally, property insurance is required to open a Home Equity or HELOC. The cost of this insurance will vary depending on the type of policy and your specific property. Journey Federal Credit Union does not control the cost of property insurance. | ||||
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.