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Journey Federal Credit Union

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Loan Rates

Personal Loan Rates
Effective Date: Wednesday, March 29th, 2017
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
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. Discounts do not apply. Must have Credit Union checking account in good standing for at least 6 months.
Signature Loan 10.90% 36 months 36 payments of $32.84 $20,000
  11.90% 48 months 48 payments of $26.42 $20,000
  12.90% 60 months 60 payments of $22.83 $20,000
Share or CD Secured 2.50% over rate paid Match to Maturity Varies $100,000
Personal Line of Credit 13.90% Revolving 3.5% of outstanding balance
minimum $15
$10,000 outstanding balance; minimum $40
Overdraft Plus, Overdraft Protection 15.00% Revolving 3.5% of outstanding balance; minimum $15 $2,000 outstanding balance; minimum $40
*APR = Annual Percentage Rate. Rate subject to risk adjustment. Credit restrictions apply.

Credit Card Rates
Effective Date: Wednesday, March 29th, 2017
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Visa Platinum Classic 12.99% Revolving 2.25% of outstanding balance; minimum $15 $20,000
Visa Platinum Preferred 9.90% Revolving 2.25% of outstanding balance; minimum $15 $20,000
*APR = Annual Percentage Rate. Credit restrictions apply.

New and Used Vehicle Rates
Effective Date: Wednesday, March 29th, 2017
New & Used Autos, Trucks, SUVS & "Demos". Maximum Loan Amount up to 100% of the M.S.R.P plus taxes, tags, extended warranty & gap insurance.
Max TermAPR*Est. Monthly Payment
(per $1,000)
36 Months 2.40% 36 payments of $28.85
48 Months 2.40% 48 payments of $21.90
60 Months 2.40% 60 payments of $17.73
72 Months 2.75% 72 payments of $15.10
84 Months 3.90% 84 payments of $13.65
Minimum Loan is $12,000 for 72 months & $20,000 for 84 months. Available term for vehicle loans is based on age of collateral.
*APR = Annual Percentage Rate. Rate subject to risk adjustment. Credit restrictions apply.

Recreational Vehicle Loan Rates
Effective Date: Wednesday, March 29th, 2017
APR*Max TermEst. Monthly Payment
(per $1,000)
New/Used Motorcycle 3.40% 36 months 36 payments of $29.30
  3.40% 48 months 48 payments of $22.35
  3.40% 60 months 60 payments of $18.18
  3.75% 72 months 72 payments of $15.56
  4.90% 84 months 84 payments of $14.12
Minimum Loan is $12,000 for 72 months & $20,000 for 84 months.
Up to 100% of the N.A.D.A. suggested retail value
New ATV, UTV, Snowmobile
(current model year)
6.50% 60 months 60 payments of $19.63
Used ATV, UTV, Snowmobile 6.50% 36 months 36 payments of $30.73
New Leisure Vehicles & Boats 4.25% 180 months 180 payments of $7.54
Used Leisure Vehicles & Boats
(up to 6 model years old)
4.25% 120 months 120 payments of $10.27
Up to 90% of the M.S.R.P. Up to 80% of the N.A.D.A. suggested retail value
*APR = Annual Percentage Rate. Rate subject to risk adjustment. Credit restrictions apply.

Real Estate Loans
Effective Date: Wednesday, March 29th, 2017
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Premium Home Equity Line of Credit 5.00% - 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 6.00% - 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 90% loan to value.
Premium HELOC 91% Plus 7.00% - 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 100% 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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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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