December 13, 2018
 

Effective Date: 01-01-2017


Auto/Truck/Van/Motorcycle (New)

Year & Term Tier A rates only
2017 to 2018 - 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)

Year & Term Tier A rates only
2015 to 2017 - 66 month term 3.25%
2012 to 2014 - 66 month term 3.50%
2009 to 2011 - 60 month term 4.50%
2006 to 2008 - 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

Year & Term Annual Percentage Rate
2017 - Newer (never been titled)
72 month term 7.50%
Used (2006-2016) 60 month term 8.50%

Share/Certificate Secured

Term Annual Percentage Rate
Up to 72 months and not to exceed maturity of certificate 3.0% above dividend rate

Secured Other (UCC-1) & Off Road Vehicles

Term Annual Percentage Rate
Up to 48 months 11.00%

Unsecured

Term & Limit Unsecured Debt to Income Rate
Tier A (Score 720+) = $10,000 48 months 10% or Less 12.00%
Tier A = $8,000 60 months Above 10% 11.00%
Tier B = $ 7,000 48 months 10% or Less 11.75%
Tier C = $ 5,000 36 months 10% or Less 13.00%
Tier D = $ 2,000 18 months 10% or Less 16.00%
Tier F = $ 500 12 months Up 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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