Personal Loan Rates

Personal Loans & Lines of Credit Payment Terms Annual Percentage Rate Estimated Payment per $1,000 Borrowed
Line of Credit 2% of balance 7.90% $20.00
Overdraft Line of Credit $65.00/month 11.00% $65.00
Personal Loans 36 mo. 8.25% $31.50
Personal Loans 48 mo. 8.45% $24.70
Personal Loans 60 mo. 8.66% $20.60


Savings/Certificate Loans APR*
Share Secured (1-60 Month Term) Share Rate + 3.00%
Certificate Secured^ Certificate Rate + 3.00%

*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.

^ Certificate secured loan rates are 3% above the dividend rate paid on the certificate. The maximum term on a certificate secured loan must be such that the final payment does not exceed the maturity date for the certificate. There is a maximum of 1 loan per certificate and 3 certificate loans per member.

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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