Rates

*All Rates Subject to Change

Loan Rates as of MAY 2014

Fully Pledged Loan
  A B C D E
  700+ 699-650 649-600 599-500 499>
Certificate Term Certificate Maturity Date 3.49% 4.49% 5.50% 8.00% 10.00%
 Share, Term up to 48 Months 3.75%   4.75% 6.00%   9.00%  11.00%
New Auto Loans/Motorcycle Loans
  A B C D E
  700+ 699-650 649-600 599-500 499>
Up to 36 months 2.75% 2.99% 4.50% 11.47% 14%
Up to 48 months 2.99% 3.49% 4.74% 11.72% 14.25%
Up to 60 months 3.49% 3.99% 5.24% 12.22% 15.25%
Up to 72 months 3.99% 4.49% 6.00% 12.46% 15.99%
Used Auto Loans/Motorcycle Loans
  A B C D E
  700+ 699-650 649-600 599-500 499>
Up to 36 months 2.99% 3.49% 6.45% 11.22% 15.00%
Up to 48 months 3.49% 3.99% 7.00% 13.22% 16.00%
Up to 60 months 3.99% 4.49% 8.00% 14.22% 17.00%
Stock Certificate Secured
  A B C D E
  700+ 699-650 649-600 599-500 499>
Fully Up to 48 Months 5.00% 6.00% 6.25% 7.00% 8.00%
Partially Up to 48 Months 6.00% 7.00% 7.25% 8.00% 8.75%
Unsecured Loans- * Loans Above $5,000 Required Approval From Board of Directors
  A B C D E
  700+ 699-650 649-600 599-500 499>
Up to 12 Months 4.49% 4.99% 6.25% 16.00% 17.00%
Up to 24 Months 4.75% 5.25% 7.00% 16.25% 17.00%
Up to 48  Monhts 4.99% 5.49% 8.50% 17.00% 17.00%
New Recreational Vehicle Loans (Closed End) Up To 5 Years Old
  A B C D E
  700+ 699-650 649-600 599-500 499>
Up to 36 Months 4.49% 4.75% 5.75% 17.00% 17.00%
Up to 60 Months 4.99% 5.49% 6.99% 17.00% 17.00%
Up to 84  Months 5.49% 5.99% 7.49% 17.00% 17.00%
Up to 144 Months 6.49% 6.99% 8.00% 17.00% 17.00%
Used Recreational Vehicle Loans (Closed End) Up To 5 Years Old
  A B C D E
  700+ 699-650 649-600 599-500 499>
Up to 60 Months 5.49% 5.99% 7.49% 17.00% 17.00%

Recreational Vehicles Include But Are Not Limited To:

  • Boats
  • Campers
  • ATV's
  • Motor Homes
  • Trailers
  • Snow Mobiles
  • Jet Skis

 

Fees

Event Fee
Stop Payment $25.00
Check Copy $5.00
Print Statement $5.00
Verification of Depost $10.00
Bank Reference Letter $10.00
Checkwithdrawls
1-3 per quarter
4-6 per quarter $5.00
7 or more per quarter $10.00
Returned Check $25.00
Lost Visa Card $25.00
Late Payment Fee $25.00
Failure to Provide Proof of Insurance or Title $100.00
Cost of Insurance and/or Replacement Title $100.00
Joliet Municipal Employees Federal Credit Union | 818 East Cass Street, Joliet, IL 60432-3039
Office (815) 726-3883 | Fax (815) 726-3926
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