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Rates

*All Rates Subject to Change

Loan Rates as of October 2018

Find your current credit score across the top row. Then read down that column to find the current rates offered through Joliet Municipal Federal Credit Union on different types of fully pledged loans.

Fully Pledged Loan
A+
760+
A
700-759
B
660-699
C
600-659
D
550-599
E
549 & below
Certificate Term Certificate Maturity Date2.50%3.49%4.49%5.49%8.99%9.75%
Share, Term up to 48 Months2.80%3.75%4.75%5.99%9.99%9.75%

Find your current credit score across the top row. Then read down that column to find the current rates on loans offered by Joliet Municipal Federal Credit Union on new automobiles or motorcycles for different durations.

New Auto/Motorcycle Loans
A+
760+
A
700-759
B
660-699
C
600-659
D
550-599
E
549 & below
Up to 36 Months1.30%1.59%2.50%3.00%8.99%10.99%
Up to 48 Months1.70%2.00%3.00%3.75%9.99%11.99%
Up to 60 Months2.10%2.30%3.40%4.50%10.49%12.99%
Up to 72 Months2.70%2.99%3.85%4.90%11.00%13.99%
Up to 84 Months3.00%3.45%4.00%5.50%11.49%14.99%

Find your current credit score across the top row. Then read down that column to find the current rates on loans offered by Joliet Municipal Federal Credit Union on used automobiles or motorcycles for different durations.

Used Auto/Motorcycle Loans
A+
760+
A
700-759
B
660-699
C
600-659
D
550-599
E
549 & below
Up to 36 Months2.40%2.75%3.20%4.60%9.49%11.49%
Up to 48 Months2.80%3.20%3.90%5.10%10.49%12.49%
Up to 60 Months3.00%3.60%4.75%5.80%11.00%13.49%
Up to 72 Months3.50%3.90%5.00%6.00%11.49%14.49%

Find your current credit score across the top row. Then read down that column to find the current rates on fully or partially secured stock certificates offered by Joliet Municipal Federal Credit Union.

Stock Certificate Secured
A+
760+
A
700-759
B
660-699
C
600-659
D
550-599
E
549 & below
Fully Up to 48 Months2.50%3.99%4.99%5.99%9.99%10.99%
Partially Up to 48 Months3.99%4.99%5.75%6.99%11.99%12.99%

Find your current credit score across the top row. Then read down that column to find the current rates on unsecured loans offered by Joliet Municipal Federal Credit Union.

Unsecured Loans - *Loan Above $10,000 Require Approval From Board of Directors
A+
760+
A
700-759
B
660-699
C
600-659
D
550-599
E
549 & below
Up to 12 Months3.30%4.10%4.80%5.50%9.99%10.99%
Up to 24 Months3.50%4.30%4.90%6.00%10.99%11.99%
Up to 36 Months3.90%4.50%5.00%6.50%11.99%12.99%
Up to 48 Months4.20%4.70%5.20%7.00%12.99%13.99%

Find your current credit score across the top row. Then read down that column to find the current rates on loans offered by Joliet Municipal Federal Credit Union on new recreational vehicles for different durations.

New Recreational Vehicle Loans (Closed End) Up To 5 Years Old
A+
760+
A
700-759
B
660-699
C
600-659
D
550-599
E
549 & below
Up to 36 Months3.50%4.00%4.30%4.75%9.99%10.99%
Up to 60 Months3.75%4.20%6.99%6.10%11.99%12.99%
Up to 84 Months4.99%5.25%7.50%7.89%12.99%14.99%
Up to 144 Months5.25%5.75%7.80%8.99%13.99%15.99%

Find your current credit score across the top row. Then read down that column to find the current rates on loans offered by Joliet Municipal Federal Credit Union on used recreational vehicles for different durations.

Used Recreational Vehicle Loans (Closed End) Over 5 Years Old
A+
760+
A
700-759
B
660-699
C
600-659
D
550-599
E
549 & below
Up to 36 Months3.75%4.25%4.50%5.90%10.99%11.99%

Recreational Vehicles Include But Are Not Limited To:

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

*No Score=C Rate

Fees

Find possible events in the first column and follow across the row to view fees associated with that event.

EventFee
Stop Payment$25.00
Check Copy$5.00
Print Statement$5.00
Verification of Depost$10.00
Bank Reference Letter$10.00
Check Withdrawls
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