December 16, 2017
 
 
Effective Date: 01-01-2017
 

 
Auto/Truck/Van/Motorcycle (New)
Year & TermTier A rates only

2016 - 2017 66 month term 2.75%

72 month term** 3.50%

84 month term*** 4.25%

**minimum of $15,000.00 New non-titled vehicles up to, but not to exceed 100% MSRP ***minimum $30,000.00

 

 
Auto/Truck/Van/Motorcycle (Used)
2013 - 2015
66 month term 3.25%          

2009 - 2012            
66 month term 3.50%          

2005 - 2008            
48 month term 4.50%          

2000 - 2004            
48 month term 6.00%          

 
A, B & C paper = Clean Retail Loan Value
D & Below = Clean Trade In Value
2010 and newer vehicles with over 90,000 miles will have 1 % rate increase
Older Models refer to Unsecured Rates for the rate only


 
Boats and Personal Watercraft/RV's/Campers
2016 - Newer (never been titled)

60 month term 7.50%

Used (2005-2015) 60 month term 8.50%

 

 
Share/Certificate Secured
TermAnnual Percentage Rate

Up to 72 months and not to exceed maturity of certificate3.0% above dividend rate

 

 
Secured Other (UCC-1) & Off Road Vehicles
TermAnnual Percentage Rate

Up to 48 months11.00%
 

 
Unsecured
Term & LimitUnsecured Debt to IncomeRate

Tier A (Score 720+) = $10,000 48 months 10% or Less 12.00%

Tier A = $8,000 60 monthsAbove 10%11.00%

Tier B = $ 7,000 48 months10% or Less 11.75%

Tier C = $ 5,000 36 months10% or Less13.00%

Tier D = $ 2,000 18 months10% or Less16.00%

Tier F = $ 1,000 12 monthsUp to 15%18.00%

 
NOTICE: Credit Union uses credit scoring to determine rate only! Rates & Terms subject to change without notice. All Rates are APR.

Jefferson Community Federal Credit Union
545 Ivy Tech Drive
PO Box 129
Madison, IN 47250
Phone: 812-265-3003
Toll Free: 1-800-453-8503
Fax: 812-273-2609



This credit union is federally insured
by the National Credit Union Administration.
NCUA
Equal Housing Lender

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