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Jackson Area Federal Credit Union Lending Rates
Effective: January 1, 2015



APR Rate

New/Used Automobiles

Up to 84 months

2.74% - 17.99%

New/Used Motorcycles & Boats

Up to 60 months

2.74% - 17.99%

New Recreational Vehicles

Up to 96 months

2.74% - 17.99%

Used Recreational Vehicles

Up to 72 months

2.74% - 17.99%

New/Used Equipment, New ATV’s

Up to 84 months

5.99% - 17.99%



8.9% - 12.9%


Up to 36 months

8.25% - 18.00%

Share Secured

The ANNUAL PERCENTAGE RATE (APR) will be the dividend rate currently being paid on the subaccount plus a margin of 3.00%. The interest rate is subject to change whenever the dividend rate changes. A change in the dividend rate will result in a change in the ANNUAL PERCENTAGE RATE and the daily periodic rate for the subaccount. Increases in the rate could result in additional monthly payments of the same amount. The actual daily periodic rate and ANNUAL PERCENTAGE RATE for this subaccount will be disclosed on the voucher accompanying the advance.

Certificate Secured

The ANNUAL PERCENTAGE RATE (APR) will be the dividend rate being paid on the Certificate offered as security plus a margin of 3.00%. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the Plan. When the Certificate is renewed the APR will change to reflect the new dividend rate. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The ANNUAL PERCENTAGE RATE and daily periodic rate will be disclosed on the voucher at the time of the advance.

Range of Rates

If a range of rates is shown the ANNUAL PERCENTAGE RATE will be within the range disclosed and is determined by your creditworthiness. Please ask the Loan Officer for your particular rate.

Filing Fee

You may be charged a lien-filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the fee will be based upon the amount of the fee required by state law for the credit union to obtain a lien on your property and will be disclosed at the time of the advance.

Late Payment Fee

A late payment fee of 5% of your payment amount will be assessed if you are more than 10 days late in making a payment.

Returned Payment Fee

If your payment is returned to us, you will be charged $25.00 for each returned payment.

Collection Costs

You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.


The results of this loan payment calculator are for comparison purposes only. They will be a close approximation of actual loan repayments if available at the terms entered, from a financial institution. This is being provided for you to plan your next loan application. To use, enter values for the Loan Amount, Number of Months for Loan, and the Interest Rate (e.g. 7.25), and click the Calculate button. Clicking the Reset button will clear entered values.

Description Data Entry
Loan Amount
Loan Length in Months
Interest Rate
Monthly Payment Calculated
Enter only numeric values (no commas), using decimal points where needed.
Non-numeric values will cause errors.
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JAFCU is federally insured by the National Credit Union Administration.
JAFCU is an Equal Opportunity Lender. JAFCU is an Equal Housing Lender.