Rates
*All Rates Subject to Change
Loan Rates as of March 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 Date | 2.50% | 3.49% | 4.49% | 5.49% | 8.99% | 9.75% |
|---|
| Share, Term up to 48 Months | 2.80% | 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 Months | 1.30% | 1.59% | 2.50% | 3.00% | 8.99% | 10.99% |
|---|
| Up to 48 Months | 1.70% | 2.00% | 3.00% | 3.75% | 9.99% | 11.99% |
|---|
| Up to 60 Months | 2.10% | 2.30% | 3.40% | 4.50% | 10.49% | 12.99% |
|---|
| Up to 72 Months | 2.70% | 2.99% | 3.85% | 4.90% | 11.00% | 13.99% |
|---|
| Up to 84 Months | 3.00% | 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 Months | 2.40% | 2.75% | 3.20% | 4.60% | 9.49% | 11.49% |
|---|
| Up to 48 Months | 2.80% | 3.20% | 3.90% | 5.10% | 10.49% | 12.49% |
|---|
| Up to 60 Months | 3.00% | 3.60% | 4.75% | 5.80% | 11.00% | 13.49% |
|---|
| Up to 72 Months | 3.50% | 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 Months | 2.50% | 3.99% | 4.99% | 5.99% | 9.99% | 10.99% |
|---|
| Partially Up to 48 Months | 3.99% | 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 Months | 3.30% | 4.10% | 4.80% | 5.50% | 9.99% | 10.99% |
|---|
| Up to 24 Months | 3.50% | 4.30% | 4.90% | 6.00% | 10.99% | 11.99% |
|---|
| Up to 36 Months | 3.90% | 4.50% | 5.00% | 6.50% | 11.99% | 12.99% |
|---|
| Up to 48 Months | 4.20% | 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 Months | 3.50% | 4.00% | 4.30% | 4.75% | 9.99% | 10.99% |
|---|
| Up to 60 Months | 3.75% | 4.20% | 6.99% | 6.10% | 11.99% | 12.99% |
|---|
| Up to 84 Months | 4.99% | 5.25% | 7.50% | 7.89% | 12.99% | 14.99% |
|---|
| Up to 144 Months | 5.25% | 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 Months | 3.75% | 4.25% | 4.50% | 5.90% | 10.99% | 11.99% |
|---|
Recreational Vehicles Include But Are Not Limited To:
- 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.
| Event | Fee |
|---|
| 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 |
|---|