| Consumer Loan Rates |
Personal Loans and Lines |
Calculation of Periodic Payment |
Terms |
APR* As Low As |
| Line of Credit |
2% of balance (at the time of advance) |
|
9.00% |
| Overdraft Line of Credit |
$65.00/month |
|
9.00% |
| Personal Loans |
|
0 - 48 months |
8.50% |
| Autos |
Calculation of Periodic Payment |
Terms |
APR* As Low As |
| New Vehicles |
|
0 - 72 months
|
5.00%
|
| New Vehicles minimum $30,000 |
|
73 - 84 months |
5.25% |
| New Vehicles over $75,000 |
|
85-96 months |
5.50% |
| Used Vehicles |
|
0 - 66 months |
5.00% |
| Classic Cars** |
|
0 -72 months |
5.50% |
| Classic Cars over $75,000** |
|
73 – 144 months |
5.75% |
Older Used Vehicles
(Greater than 5 years) |
|
0 - 42 months |
5.25% |
| Miscellaneous |
Calculation of Periodic Payment |
Terms |
APR* As Low As |
| Recreational Vehicles & Motorcycles† |
|
0 – 72 months
|
6.75%
|
| Motor Homes (Secondary Residence) † |
|
73 - 180 months |
6.50% |
| Share Secured |
|
0 - 36 months
37 - 60 months
|
3.50%
4.00% |
| Share Certificate Secured (3 to 60 month certificate) |
|
6 - 60 months |
Based on the rate of the certificate^ |
Certain credit conditions apply to all loans.
*The ANNUAL PERCENTAGE RATE you receive is based on certain creditworthiness criteria. If payment is made by cash or check, the rate will be adjusted upward by .25%. Once an automatic payment method is selected and there is no transfer posted after 90 days, the rate will be adjusted upward by .25%. Visit your local JAXFCU Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information.
**Any vehicle listed in NADA classic, collectible, and special interest car appraisal guide.
†Includes titled four-wheelers/All Terrain Vehicles (ATVs) and dirt bikes. Includes boats, motors and trailers, jet skis, motor homes (RV) and campers).
^ Share certificate secured loan rates are 2% above the dividend rate paid on the share certificate (rounded to the next highest 1/2 of one percent.) The ANNUAL PERCENTAGE RATE is subject to change whenever the dividend rate changes. A dividend rate change will result in the loan ANNUAL PERCENTAGE RATE and daily periodic rate changing. An increase in the ANNUAL PERCENTAGE RATE could result in additional monthly payments. Share certificates securing the loan must be renewed upon maturity if the loan account has an outstanding balance and must continue to be renewed as long as there is an outstanding balance on any maturity date.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.
Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to protect the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.
Late Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $25.00 or 20% of the interest due, will be assessed.
Consumer Loan Rates reflected are effective
as of . Rates are subject to change
without notice. If you have any questions or require additional
information, please call us at (904) 475-8000.
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|
|
| Variable Rate Home Equity Lines of Credit - No Annual Fee |
Maximum Repayment Period |
Annual Percentage Rate (APR) |
Index |
Margin |
| 80% LTV Home Equity Line of Credit |
20 Years |
4.25% to 6.75%* |
W.S.J. Prime Rate |
-0.75% to 1.75% |
| 90% LTV Home Equity Line of Credit |
20 Years |
4.75% to 6.00%* |
W.S.J. Prime Rate |
-0.25% to 1.00% |
| Interest Only Variable Rate Home Equity Lines of Credit - No Annual Fee |
Maximum Repayment Period |
Annual Percentage Rate (APR) |
Index |
Margin |
| 70% LTV Home Equity Line of Credit |
20 Years |
6.25% to 9.00%* |
W.S.J. Prime Rate |
1.25% to 4.00% |
| 80% LTV Home Equity Line of Credit |
20 Years |
6.50% to 9.25%* |
W.S.J. Prime Rate |
1.50% to 4.25% |
| Fixed Rate Home Equity Loans |
Terms |
Annual Percentage Rate (APR) |
|
Example |
| 80% LTV Home Equity Loan |
5 to 20 Years |
5.65% to 8.75%** |
|
A loan of $50,000 with rate of 6.00% would be repaid at $422.05 (principal and interest). |
| 90% LTV Home Equity Loan |
5 to 20 Years |
6.00% to 7.95%** |
|
| Unimproved Land Loans (Lot Loans) |
Maximum Repayment Period |
Annual Percentage Rate (APR) |
Closing Costs |
A loan of $20,000 with rate of 7.25% would be repaid at $208.41 (principal and interest). |
| 70% LTV Land Loans |
12 Years |
7.625% |
Yes |
*Variable rates are determined by the credit score, closing cost option, loan-to-value (LTV), and are tied to Wall Street Journal Prime Lending Rate (W.S.J. Prime Rate); Adjusts quarterly; Maximum cap of 18% APR.
**Rates are based on Credit-worthiness, loan-to-value, term, and closing cost option.
Closing cost may apply.
Rates reflected are effective as of
. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000. |
| VISA® Credit
Cards |
ANNUAL PERCENTAGE
RATE for Purchases |
Grace Period for
Purchases |
Method of Computing
the Balance for Purchases |
Annual Fees |
Minimum Finance
Charge |
Transaction Fee
for Purchases |
| VISA Platinum |
7.50% - 18.00% |
25 Days |
Average Daily Balance (including new purchases) |
None |
None |
None |
| Secured VISA |
14.90%* |
25 Days |
Late Payment Fee: $30.00
Overlimit Fee: $30.00
*110% Secured
The information about the costs of
the credit cards described is accurate as of . Visit your local JAXFCU Branch or contact us today
at (904) 475-8000 or outside Jacksonville at (800) 443-2664
for more information.
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