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Credit union members own their money with Invest in America

Closed in Observance of
 
Good Friday
April 6, 2012
 
 Memorial Day
 May 28, 2012
 
Independence Day
 July 4, 2012
 

    National Credit Union Administration    National Credit Union Administration

  

 

 

 

Regular Shares

  APY*
  .15%

Christmas Club and Special Share Accounts

  APY*
  .15%


Money Market Shares

BALANCE APY*
Minimum balance $2,000  
Balances $2,000-24,999.99 .30%
Balances $25,000.00- 49,999.99 .40%
Balances $50,000.00 and up .50%

*APY Annual Percentage Yield

Effective Date 3/22/2011

Certificates of Deposit

For the current terms and rates please call our office.

 Rates 

We Lowered the Rates on

2008-2012 Auto Loans

Autos and Motorcycles

MODEL YEAR APR* TERM
2012-2011  3.00%** 3 yrs
  3.00%** 4 yrs
  3.19%** 5 yrs
  3.69%** 6 yrs
  4.89%** 7 yrs
2010-2008 4.00%** 3 yrs
  4.00%** 4 yrs
  4.50%** 5 yrs
  5.29%** 6 yrs
2007-older 4.59%** 3 yrs
  4.89%** 4 yrs
  5.19%** 5 yrs

** Lowest possible APR. Rate charged may be higher depending on credit score.

 Have your payment made by payroll deduction or auto-transfer from your CJCU account to get a ¼% deduction on the APR*.

 

Classic, Collectible, Special Interest Vehicles (per NADA)

APR* TERM
10.75%** 4 years
11.25%** 5 years

** Lowest possible APR. Rate charged may be higher depending on credit score.

           

B.E.S.T. Loans

Boats.Equipment.Small Tractors.

Loan Balances APR* TERM
up to $5,000.00  9%** 30mos
$5,000.01-15,000.00      8.50%**      5yrs
$15,000.01-$25,000.00 8%** 6yrs

** Lowest possible APR. Rate charged may be higher depending on credit score.

 

Recreational Vehicles

(Camper, ATVs, Snowmobiles & etc.)

TYPE APR* TERM
Titled    
New 5.99%** 5 years
Used 6.49%** 4 years

** Lowest possible APR. Rate charged may be higher depending on credit score.

 

Consumer Goods Loan

Purchase untitled items such as appliances, computers, TVs, etc.  Max amount $7500

APR* TERM
 8%** 4 yrs

 ** Lowest possible APR. Rate charged may be higher depending on credit score.

 

Signature Loans/Line Of Credit

Maximum amount $5000.00

APR* TERM
10%** Terms Vary

 ** Lowest possible APR. Rate charged may be higher depending on credit score.

 

Share Secured Loan

APR* TERM
2.50% Terms Vary

 

Better Choice Loan

Maximum amount is $500. Application fee is $20.00 and a $50.00 deposit is required.

APR* TERM
15%* 90 days

 

 Revised 12/29/2011

* APR=Annual Percentage Rate

 

  • Application fee is $5.00 per applicant. 
  • All loan applications  are subject to approval
  • Proof of income is required
  • Applications are accepted on a daily basis
  • Rates posted can change without notice

Talk to a loan officer to find out more information.

Click here to print a Loan Application 

The Home Equity, HELOC, Mortgage and Visa Credit Card each require a specific application, please contact CU for those applications.

 

 

 

 
Online Resources 

Kirby Kangaroo

CU Succeed

 

Visa Credit Card

APR* TERM

9.99%*-14.99%*  Rate is based on your credit score.

 Term Varies

We now offer a share secured Visa Credit Card. The money in your share (savings) account is held as collateral for the amount of your credit limit.  It is a great way to establish credit for those who do not have credit history, or improve your credit score if you have an imperfect credit report. For more details please stop in and speak with a loan officer. You may read the Credit Card Account Responsibility and Disclosure Act, located under the Credit Union Disclosures tab.

FIXED RATE HOME EQUITY LOANS 

  APR* TERM
As low as 4.75%  5 yrs
  5.25% 10 yrs
  5.75% 15 yrs

Have your payment made by payroll deduction or auto-transfer from your CJCU account to get a ¼% deduction on the APR*.

$600.00 APPLICATION FEE APPLIES.

NY residents call for more info.

HOME EQUITY LINE OF CREDIT        

Rate based on prime rate but no lower than 4.75% APR.

Application fee (up to $600.00) applies. NY residents call for more info.               Equal Housing Lender

Mortgage Loans

We are committed to providing you with competitive, convenient and responsible mortgage financing options by working with CUC Mortgage. Whether you’re purchasing your first home or refinancing an existing mortgage, we’ll work with you to identify your needs and goals, and tailor your mortgage accordingly. Here are just some of the benefits you can expect:

• a secure online application process;
• free pre-approval;
• fixed-rate and adjustable-rate options;
• competitive interest rates; and
• low application fees and affordable closing costs.
 

To learn more, click on the Mortgage Financing icon on the top left of the page or call 814-664-7010
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