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Journey Federal Credit Union

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Loan Rates

Auto Loan Rates
Effective Date: Friday, November 15th, 2019
APR*Est. Monthly Payment
(per $1,000)
Model Year 2013-2020 As low as 3.34% $18.12
Model Year 2009-2012 As low as 4.14% $18.48
*APR = Annual Percentage Rate. As low as rate reflects 0.25% auto pay discount. Other rates & terms available. Rate subject to risk adjustment. Credit restrictions apply.

Recreational Vehicle Loan Rates
Effective Date: Friday, November 15th, 2019
APR*Est. Monthly Payment
(per $1,000)
Boat, RV & Travel Trailer:
Model Year 2013-2020 As low as 5.84% $17.75
Model Year 2009-2012 As low as 5.94% $17.80
Motorcycle, ATV, UTV, Snowmobile, etc. As low as 4.34% $17.09
*APR = Annual Percentage Rate. As low as rate reflects 0.25% auto pay discount. Other rates & terms available. Rate subject to risk adjustment. Credit restrictions apply.

Personal Loan Rates
Effective Date: Friday, November 15th, 2019
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Signature Loan As low as 9.74% 60 months 60 payments of $21.21 $20,000
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. As low as rate reflects 0.25% auto pay discount. Other rates & terms available. Rate subject to risk adjustment. Credit restrictions apply.

Credit Card Rates
Effective Date: Friday, November 15th, 2019
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Visa Platinum Preferred 9.90% Revolving 2.25% of outstanding balance; minimum $15 $20,000
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 $20,000
*APR = Annual Percentage Rate. Credit restrictions apply.

Real Estate Loans
Effective Date: Friday, November 15th, 2019
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Fixed Rate Home Equity Loan As low as
4.00% Fixed
Up to 120 months $18.45 $200,000
Rate may vary based upon term & LTV.
Premium Home Equity Line of Credit 6.00% - 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 7.00% - 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 8.00% - 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.
Call our Loan Department at 989-224-9511 for rates, terms, an application, and disclosures.
Stated APR is the base rate available. An applicant's actual final rate may be higher, based upon creditworthiness which applies to mortgages and consumer loans. Property being financed must be located in the state of Michigan.
*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.

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Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
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