SJB Federal Credit Union - Loans and Credit Page

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Loans and Credit Services

Loan Rates | Loan Calculator | Mortgage Rates | Mortgage Calculator

At SJB Federal Credit Union, meeting the financial needs of the communities we serve is our most important objective. When you have a need for a loan, our full service credit union can provide loans for your worthwhile purpose.

Personal Loans
Auto Loans

(Kelly Blue Book Values)
The member is linking to an alternate
web site not operated by the credit union
and the credit union does not represent
either the third party or the member if the
two enter into a transaction.
Boat and Recreational Loans

Real Estate Loans

VISA Cards

Loan Application

Resource Links:
The member is linking to an alternate web site not operated by the credit union and the credit union does not represent either the third party or the member if the two enter into a transaction.

Loan Rates

*A .25% discount for automatic payment from SJB checking
or savings accounts will reflect new rate.

Loan Rates

LENDING INTEREST RATES
Type of Loan	Maximum Loan Amount	A.P.R.	Term	Minimum Down Payment

Personal Unsecured (as low as)	$5,000.00	10.00	12 mos	none

		10.00	24 mos	none

		11.00	36 mos	none

Fully Secured	up to savings balance	call for rates	60 mos	none

Business Purpose Loans
Rental, Owner Occupied	$20,000	1% over regular loan rates	60 mos	call for details

1 Family	$12,000	1% over regular loan rates	60 mos	call for details

Visa Credit Card Rate		11.75%

*Auto Loans (new) as low as	$40,000.00	5.65	24 mos	5%

		5.65	36 mos	5%

		5.65	48 mos	5%

		5.90	60 mos	5%

		5.90	72 mos	5%

*Auto Loans (used)
2001-2005 (as low as)		5.65	24 mos	10%

		5.65	36 mos	10%

		5.65	48 mos	10%

		5.65	60 mos	10%

		5.90	72 mos	10%

1998-2000 (inquire/rate)		call for rates	12 mos	10%

		call for rates	24 mos	10%

		call for rates	36 mos	10%

Recreational Vehicles
New - Model Years 2002 and 2004		8.50%	1 to 4 years	80% Lesser of Sales Price or Book Value

New - Model Years 2002 and 2004		9.50%	5 to 10 years	80% Lesser of Sales Price or Book Value

Used Model Years 1999-Present		10.50%	5 to 10 years	80% Lesser of Sales Price or Book Value

*A .25% discount for automatic payment from SJB checking
or savings accounts will reflect new rate.

Loan Rates | Loan Calculator | Mortgage Rates | Mortgage Calculator

Loan Calculator

This loan payment calculator is strictly for your private use and convenience. No information is sent to any other party, not even SJBFCU.

The results of this loan payment calculator are for demonstration purposes only. Results obtained with this calculator are an estimate only of loan payments, if available at the terms entered. Actual repayments and rates will be based on individual needs and intents. For more information visit us today, call us at (508) 672-6575 or complete a loan application now.

To use the calculator:

Enter the dollar amount of the loan in the space labeled "Loan Amount".
Enter the interest rate (for rate information see the Loan Rates above.) for the appropriate loan type you desire in the space labeled "Interest Rate".
Enter the term of the loan, in years, in the space labeled "Total # of Years".
Leave all other spaces blank.
Click on the button labeled "Calculate Payments!".

Loan Application

Enter loan terms here

Loan Amount:  $
Interest Rate:  %
Total # of Years:

Results

Monthly Payments
(pay once a month)

Amount of Loan:  $
Total # of Payments:

Monthly Payment: $

Bimonthly Payments
(pay every two weeks)

Amount of Loan: $
Total # of Payments:

Bimonthly Payment: $

Weekly Payments
(pay every week)

Amount of Loan: $
Total # of Payments:

Weekly Payment: $

Loan Rates | Loan Calculator | Mortgage Rates | Mortgage Calculator

Mortgage Rates

First Mortgage
Family/Owner Occupied, 80% of Appraised Value

Fixed Term		Points	Interest Rate	APR*
120 Months	(10 Years)	0 Points	5.339%	5.339%
180 Months	(15 Years)	0 Points	5.565%	5.565%
240 Months	(20 Years)	0 Points	5.928%	5.928%
360 Months	(30 Years)	0 Points	6.310%	6.310%

Adjustable Rate
3 Year Renewal , 1 Year Treasury Arm Index, 80% of Appraised Value
2.75% Margin/2% Adjustable, 6% maximum

360 Months (30 Years) – Interest Rate 6.75% - APR* 6.75%

Second Mortgage
Home Equity, 75% of Appraised Value, Less 1st Mortgage
May be adjustable to .75 basis points above Prime - Monthly

144 Months (12 Years) – Interest Rate 5.25% - APR* 5.25%

Land Mortgage
Maximum Loan $50,000, 80% of Appraised Value

60 Months (5 Years) – Interest Rate 10.00% - APR* 10.00%
144 Months (12 Years) – Interest Rate 11.50% - APR* 11.50%

Loan Rates | Loan Calculator | Mortgage Rates | Mortgage Calculator

Mortgage Payment Calculator

This mortgage payment calculator is strictly for your private use and convenience. No information is sent to any other party, not even SJBFCU.

The results of this mortgage payment calculator are for demonstration purposes only. Results obtained with this calculator are an estimate only of mortgage payments, if available at the terms entered. Actual repayments and rates will be based on individual needs and intents. For more information visit us today, call us at (508) 672-6575 or complete a loan application now.

To use the calculator:

Enter the term of the mortgage, in years, in the space labeled "Total # of Years".
Enter the desired interest rate in the space labeled "Interest Rate". (For rate information see the Mortgage Rates above.)
Enter the the desired loan amount in the space labeled "Loan Amount".
Enter the the annual tax in the space labeled "Annual Tax".
Enter the the annual insurance in the space labeled "Annual Ins.".
Leave all other spaces blank.
Click on the button labeled "Calculate Payment!".

Enter mortgage terms here

Total # of Years:
Interest Rate:  %
Loan Amount:  $
Annual Tax:  $
Annual Ins.: $

Results

Monthly Payments

Payment + Interest:  $
Monthly Tax:  $
Monthly Insurance:  $

Total Monthly Payment:  $

SJB Federal Credit Union

Loan Application

*Annual Percentage Rate

Loan Rates | Loan Calculator | Mortgage Rates | Mortgage Calculator

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SJB Federal Credit Union
1101 Stafford Road
Fall River, MA 02721
Telephone: (508) 672-6575
Fax: (508) 672-8300
Email: info@sjbfcu.com
Web Site: www.sjbfcu.com