LOAN TYPES AND RATES
All loans subject to credit approval Rates subject to change without notice Other conditions may apply Annual Percentage Rate, terms of loan, and loan to value are all subject to applicant(s) credit worthiness. There are no prepaid finance charges Application fee of $100.00 for mortgages and $5.00 for all others applies. A late payment fee of 5% of the payment amount applies to any payment more than 15 days past the due date
New Vehicles as low as 2.99%, 60 mos, payment per $1000 is $17.96 per month Personal as low as 8.75%, 60 mos, payment per $1000 is $20.63 Personal as low as 9.90%, 60 mos, payment per $1000 is $21.20 Home Equity as low as 4.99%, 60 mos, payment per $1000 is $18.87 per month Home Equity as low as 6.29%, 120 mos, payment per $1000 is $11.25 Home Equity as low as 6.99%, 180 mos, payment per $1000 is $8.99 Mortgage as low as 6.25%, 180 mos, payment per $1000 is $8.57 Mortgage as low as 6.50%, 360mos, payment per $1000 is $6.32
Applying for a loan at FJFCU couldn't be easier. Use the following application when applying for a personal, vehicle, or full share pledge loan. To apply for a home equity or mortgage loan, please contact one of our offices directly. There is an application fee of $5, which can be deducted directly from your share or share draft account. To use the following application to apply, simply print and complete a copy. It can then be faxed to (814) 262-0709, taken directly or mailed to one of our offices at the following addresses:
Richland Office Johnstown Office 310 Bloomfield St. 544 Vine St. Johnstown, PA 15904 Johnstown, PA 15901 (814) 262-9117 (814) 539-5697 Fax: (814) 262-0709 Fax: (814) 535-4207
Please click this link to download the Loan Application.
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DONT KNOW YOUR CREDIT SCORE?
Don't worry, most people do not. A Fair, Isaac Credit Bureau Score is a number listed on your credit report that determines how likely you, as a borrower, can pay back a loan. The score is based on data available in your credit report. Scores range from 300 to 850. The higher your score, the better your credit quality is considered to be. The score measures the degree of risk a potential borrower represents to the lender. As your credit report changes, so does your score.
Your Credit Union considers your credit score as a main component of determining your loan request. Your annual percentage rate will be categorized according to your credit score. If you cannot qualify for a specific loan product due to a low score, we may be able to consider you for other products. We group credit scores into five categories as follows:
Grade Credit Score
If you are curious about your score and would like to know how you rate, you can make a request through Fair Isaac and Equifax on their web sites. There is a nominal fee for this service. They can be found on the web at www.myfico.com or www.equifax.com. |
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310 Bloomfield St 544 Vine Street Johnstown, PA 15904 Johnstown, PA 15901 814-262-9117 814-539-5697 |
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