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|
|Share Secured (1-60 Month Term)||Share Rate + 3.00%|
|Share Secured “Credit Builder” (12 Month Term)||8.00%|
|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.