SJB Federal Credit Union

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Loan Rates |   Special!   |    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:


Auto & Home Insurance
Term Life Insurance for Loans
Disability Insurance for Loans

Loan Rates
Loan Rates

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

LENDING INTEREST RATES
Type of Loan Maximum Loan Amount A.P.R. Term Minimum Down Payment
Personal Unsecured
(as low as)
$5,000.00 8.50% 12 mos none
    9.50% 24 mos none
    10.50% 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 -
Rates as low as:
$40,000.00 2.25% 24 mos 5%
    2.25% 36 mos 5%
    2.25% 48 mos 5%
    2.75% 60 mos 5%
    2.75% 72 mos 5%
Auto Loans (used) 2010-2012 (as low as) - 60 mos.
2007-2009 - 48 mos.
Rates as low as:
       
  2.25% 24 mos 10%
    2.25% 36 mos 10%
    2.75% 48 mos 10%
    2.75% 60 mos 10%
*A .25% discount for automatic payment from SJB checking
or savings accounts will reflect new rate.


Loan Rates |   Special!   |    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. The results are not guaranteed to be accurate and in no way endorsed, offered or guaranteed by this financial institution.   For more information visit us today, call us at (508) 672-6575 or complete a loan application now.


To use the calculator:

  1. Enter the dollar amount of the loan in the space labeled "Loan Amount".
  2. 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". 
  3. Enter the term of the loan, in years, in the space labeled "Total # of Years".
  4. Leave all other spaces blank.
  5. Click on the button labeled "Calculate Payments!".


SJB Federal Credit Union

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 |   Special!   |    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 3.75% 3.75%
180 Months (15 Years) 0 Points 4.00% 4.00%
240 Months (20 Years) 0 Points 4.50% 4.50%
360 Months (30 Years) 0 Points 5.00% 5.00%
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 4.00% - APR* 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 |   Special!   |    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. The results are not guaranteed to be accurate and in no way endorsed, offered or guaranteed by this financial institution.   For more information visit us today, call us at (508) 672-6575 or complete a loan application now.

To use the calculator:

  1. Enter the term of the mortgage, in years, in the space labeled "Total # of Years".
  2. Enter the desired interest rate in the space labeled "Interest Rate".  (For rate information see the Mortgage Rates above.)
  3. Enter the the desired loan amount in the space labeled "Loan Amount".
  4. Enter the the annual tax in the space labeled "Annual Tax".
  5. Enter the the annual insurance in the space labeled "Annual Ins.".
  6. Leave all other spaces blank.
  7. 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

Loan Rates |   Special!   |    Loan Calculator   |   Mortgage Rates   |   Mortgage Calculator
About Us  |  Savings & Services  |  Loans & Credit  |  Loan Application  |  Home

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

NMLS ID#: 766951

SJB Federal Credit Union

      © Copyright 2001 SJB Federal Credit Union. All Rights Reserved.