PERSONAL

Personal Loan Rates                            

Great Rates, Great Service! Most Loan applications are processed within 48 hours! Apply today for a fast, friendly decision!
Personal Loans/Line Of Credit Summer Splash Special!
Maximum amount $10,000*
  • as low as 5.0% APR*      12 months
  • as low as 6.0% APR*      24 months
  • as low as 7.0% APR*      36 months
  • as low as 8.0% APR*      60 months
Share Secured Loan
  • as low as 2.75% APR*
Funds in the amount of your loan must remain in a CJCU Share account until the loan is paid off. This is a great way to build up your credit history and credit score. 

Consumer Goods Loan
Untitled items such as appliances, computers, TVs, etc. – Max amount $7,500
  • as low as 8.25% APR* – 4 yrs.
*APR (Annual Percentage Rate) is based on credit criteria and other factors. Not all applicants will qualify for the lowest rates, highest amounts, or longest terms. All rates subject to change without notice. Must meet membership eligibility requirements to qualify for loans. Rates effective 04/20/17.
Terms & Conditions:
  • Application fee is $10.00 per application (Excluding Home Equity, Mortgage Loans)
  • All loan applications are subject to approval 
  • Proof of income is required 
  • Applications are accepted on a daily basis
  • Rates Posted may change without notice
  • Closing Costs and Fees apply to some loans. Talk to our Loan Officer for more information. 
Credit Choice Loan
Maximum amount: $560.00
  • 18% APR - 9 months - $67/month payments
This loan is designed to improve credit scores and history. The member will receive $500 to use, $10 for the application fee, and $50 must remain secured in the member's account until the loan is paid off. 

VISA Credit Card
Initial Credit Limits up to $10,000*
  • 9.99%* – 14.99%* APR
  • No Annual Fee
  • No fees for Balance Transfers or Cash Advances
  • Minimum payments as low as $15.00/month

Fixed Rate Home Equity Loans
APR* – Term
4.75% – 5 yrs. 
5.25% – 10 yrs. 
5.75% – 15 yrs. 
Application Fee (up to $600.00) applies for PA residents. 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 for PA residents. NY residents call for more info.
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