Services - Loans
At JACom Credit Union we offer a variety of loans to meet your borrowing needs. All loan approvals are subject to credit and income evaluation. Rates vary depending on one’s credit worthiness, terms, and amount financed. Rates and terms are subject to change without notice.
For Credit Life and/or Credit Disability Insurance calculator, please click here.
To apply for a loan, please click here.
New Autos
We have terms as long as 72 months or financing as much as 100% of your purchase price. New vehicles financed for less than 3 months through dealer financing can be re-financed at the Credit Union at the new auto rate and term (fees and restrictions apply).
Used/Pre-Owned Autos
Get up to 90% of your purchase price financed at a term of up to 60 months.
Auto Secured
If you have the title to your vehicle, you can borrow up to 80% of the average blue book value. Auto Secured loans have a term of up to 60 months.
Visa Credit Card
Our “Ri” classic Visa card offers a very low fixed rate with limits from $500 up to $10,000.
Share Secured
With a share secured loan, you can borrow up to 100% of your available funds deposited in your share (savings) account. The amount secured declines as you pay off your loan. Your funds on deposit will continue to earn dividends. Share Secured loans have terms of up to 84 months.
Consent to Pledge
Similar to a Share Secured Loan, you can borrow up to 100% of available funds deposited into your pledger’s share (savings) account. The amount pledged declines as you pay off your loan. Funds on deposit will continue to earn dividends. Consent to Pledge loans have a term of up to 84 months.
Co-Maker Loan
With only one qualified co-signer, you can borrow up to $7,500 at a term of up to 48 months. Check also top crypto lenders to borrow in crypto.
Signature Loan
Secure 20% in your share (savings) account and borrow up to $5,000 at a term of up to 48 months.
Vacation
Borrow from $1,000 to $5,000 with only 10% secured in your share (savings) account.
Share Draft/ATM Overdraft Protection
Overdraft protection kicks in when you don’t have enough in your share draft (checking) account to cover a check or electronic transaction. Rather than us returning your check NSF (nonsufficient funds), we pay the check and pull from your overdraft loan.
