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Rates

Loan Rates as of October 14, 2020
       
 A+ABCDE
Fully Pledged Loan760+700-759660-699600-659550-599549-below
       
New Auto/Motorcyle      
Up to 36 Months1.491.992.493.4910.9913.49
Up to 48 Months1.99
2.49
2.99
3.99
11.9914.49
Up to 60 Months2.49
2.74
3.49
4.49
12.4915.49
Up to 72 Months2.99
3.49
3.99
4.99
1316.49
Up to 84 Months3.49
3.99
4.49
5.49
13.4917.49
       
Used Auto/Motorcyles (10 years old or newer)    
Up to 36 Months1.99
2.49
2.99
3.99
11.4913.99
Up to 48 Months2.49
2.99
3.494.49
12.4914.99
Up to 60 Months2.99
3.24
3.99
4.99
1315.99
Up to 72 Months3.49
3.74
4.49
5.49
13.4916.99
       
Unsecured Loans (under $10,000)     
Up to 12 Months5.36.16.87.511.9912.99
Up to 24 Months5.56.36.9812.9913.99
Up to 36 Months5.96.578.513.9914.99
Up to 48 Months6.26.77.2914.9915.99
       
Unsecured Loans ($10,000.01-$15,000) Requires Board Approval  
Up to 12 Months6.37.17.88.512.9913.99
Up to 24 Months6.57.37.9913.9914.99
Up to 36 Months6.97.589.514.9915.99
Up to 48 Months7.27.78.21015.9916.99
       
Unsecured Loans ($15,000.01-$20,000) Requires Board Approval  
Up to 12 Months6.87.68.3913.4914.49
Up to 24 Months77.88.49.514.4915.49
Up to 36 Months7.488.51015.4916.49
Up to 48 Months7.78.28.710.516.4917.49
       
Unsecured Loans (over $20,000) Requires Board Approval   
Up to 12 Months7.88.69.31014.4915.49
Up to 24 Months88.89.410.515.4916.49
Up to 36 Months8.499.51116.4917.49
Up to 48 Months8.79.29.711.517.4918.49
       
New Recreational Vehicle (Up to 5 years old)    
Up to 36 months1.99
2.49
3.49
58.49
9.49
Up to 60 months33.49
5.49
6.99
10.49
11.49
Up to 84 months5
5.49
6.99
8
12.49
13.49
Up to 144 months6.5
6.998
8.99
14.49
15.49
       
Used Recreational Vehicle (Over 5 years old)    
Up to 36 Months33.493.99
5.49
9.49
10.49
       
Share Pledged      
Up to 48 months1.49
1.99
2.49
2.99
5.99
8.99
Certificate Term Certificate Maturity Dates    
 1.21.49
1.99
2.49
5.49
8.49

*All Rates Subject to Change

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