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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) Boat and Recreational Loans Real Estate Loans VISA Cards Loan Application Resource Links: 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) 2009 – 2010 (as low as) $40,000.00 5.25% 24 mos 5%     5.25% 36 mos 5%     5.25% 48 mos 5%     5.50% 60 mos 5%     5.50% 72 mos 5% *Auto Loans (used) 2004-2009 (as low as)           5.25% 24 mos 10%     5.25% 36 mos 10%     5.25% 48 mos 10%     5.50% 60 mos 10%     5.50% 72 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 5.50% to 5% 5.50% to 5% 180 Months (15 Years) 0 Points 5.75% to 5.10% 5.75% to 5.10% 240 Months (20 Years) 0 Points 6.50% to 5.50% 6.50% to 5.50% 360 Months (30 Years) 0 Points 6.65% to 6.10% 6.65% to 6.10% 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% to 4.00% 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% *Annual Percentage Rate 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:  $ Loan Application 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

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