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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)   13.50%
Overdraft Line of Credit $65.00/month   13.50%
Personal Loans   0 - 48 months 9.75%
New Auto
Term
APR* as low as
2008 & 2009 less than 12,000 miles
12 Months
3.25%
24 Months
3.75%
36 Months
4.00%
48 Months
4.50%
60 Months
4.75%
66 Months
4.75%
72 Months
5.00%
Used Auto
Term
APR* as low as
1999-2009
12 Months
4.15%
24 Months
4.40%
36 Months
4.65%
48 Months
4.90%
60 Months
5.15%
66 Months
5.40%
72 Months
5.65%
Classic Cars**
Term
APR* as low as
 
12 Months
4.65%
24 Months
4.90%
36 Months
5.15%
48 Months
5.40%
60 Months
5.65%
66 Months
5.90%
72 Months
6.15%
Extended Terms
Minimum Loan amount is $75,000
84 Months
6.40%
96 Months
6.65%
Motorcycles†
Term
APR* as low as
 
12 Months
4.65%
24 Months
4.90%
36 Months
5.15%
48 Months
5.40%
60 Months
5.65%
66 Months
5.90%
72 Months
6.15%
Boats†
Term
APR* as low as
Under 31’ in Length
12 Months
4.65%
24 Months
4.90%
36 Months
5.15%
48 Months
5.40%
60 Months
5.65%
66 Months
5.90%
72 Months
6.15%
Extended Terms
Minimum Loan amount is $75,000
84 Months
6.40%
96 Months
6.65%
108 Months
6.90%
120 Months
7.15%
Motorhomes
Term
APR* as low as
 
12 Months
4.65%
24 Months
4.90%
36 Months
5.15%
48 Months
5.40%
60 Months
5.65%
66 Months
5.90%
72 Months
6.15%
Extended Terms
Minimum Loan amount is $75,000
84 Months
6.40%
96 Months
6.65%
108 Months
6.90%
120 Months
7.15%
144 Months
7.40%
Recreational Vehicles†
Term
APR* as low as
 
12 Months
4.65%
24 Months
4.90%
36 Months
5.15%
48 Months
5.40%
Share/CD Secured
Share Secured (1-36 Month Term) Share APY + 3.00%
Share Secured (37-60 Month Term) Share APY + 3.50%
Certificate Secured^ Certificate APR + 2% rounded up to the nearest 0.50%

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, jet skis, and towable 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.


Home Equity
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
3.00% to 5.00%*
 W.S.J. Prime Rate
-0.75% to +1.75%
90% LTV Home Equity Line of Credit
20 Years
3.00% to 4.25%*
 W.S.J. Prime Rate
-0.25% to +1.05%
Fixed Rate Home Equity Loans
Terms
Annual Percentage Rate (APR)
Example
80% LTV Home Equity Loan
5 to 20 Years
4.65% to 7.60%**
 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
4.85% to 6.80%**

*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 monthly; Maximum cap of 18% APR.

**Rates are based on Credit-worthiness, loan-to-value, term, and closing cost option.

Closing costs 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 Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $30.00 or 20% of the interest due, will be assessed.

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.

See Credit Card Agreement for complete details.

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