Loan Products


The credit union offers a wide array of loan products. The interest rate charged on loans is consistently under market rates. Our terms are designed to accommodate any budget. We never charge a prepayment penalty on any credit union loan.

  • First Mortgage loans for the purchase of a new home or the refinancing of an existing home loan are available. Our rates and terms are highly competitive. Closing costs are held to a minimum.

  • Home Equity loans are available for just about any purpose you could want. We have fixed rate and variable rates with terms up to 15 years. A Line Of Credit feature is offered to borrowers who wish to obtain periodic advances. Our low closing costs may be financed or paid at closing. For more information about Home Equity Lines of Credit click here.

  • Automobile loans are offered for the purchase of both new and used vehicles. Terms up to 7 years make repayment a breeze. 100% financing is available to qualified borrowers. Mechanical Breakdown Insurance can be purchased and financed on qualifying vehicles. Want to shop for new and used automobile prices? Check out NADA Guide, and then get pre-approved with your credit union!

  • Boat loans, Computer loans, Recreational Vehicle loans, Farm Implement loans and other miscellaneously secured loans are available at terms and rates to make borrowing money or financing a purchase easy.

  • Signature loans are one of our most popular loans. Members may borrow up to $10,000.00 free of collateral restrictions. Members may choose between line of credit loans or fixed term loans.

  • Business Lending JCFCU has the resources to help our members with their Business Lending needs. From commercial real estate loans and lines of credit on office buildings, apartments, retail spaces, etc, we can help. Click here for more information

  • GAP Coverage – Insure your outstanding loan balance with GAP coverage in case of a total loss or theft of your vehicle. GAP protection insures the difference between your loan balance and the amount of money you would receive from the insurance company in case your vehicle is stolen (up to 125% of the retail value of your vehicle). Imagine the amount of depreciation on your vehicle the moment you drive off the lot! GAP protection is an affordable way to limit your losses in case your collateral is compromised. GAP is available on automobiles, vans, light trucks, motor cycles, boats, travel trailers, motor homes, golf carts, jet skis, and snowmobiles. GAP will also pay your insurance deductible up to $1,000. Click here for details and pricing. Ask us if you can add GAP coverage on your existing loan today!

  • Mechanical Breakdown Protection (MBP) – extended warranty product available on new or used vehicles. Options available in your service contract include protection against mechanical breakdown, bumper to bumper protection, only one deductible per visit, flat tire assistance, battery jump starting, and lock-out service. It has no deductible, is covered nationwide, 30 day money-back guarantee, and is transferrable. You would receive a full refund if the vehicle is deemed a total loss. Ask us if you can add (MBP) coverage to your existing auto loan, or add it to your next vehicle purchase to save the worry of expensive repairs. Click here for details and pricing.