Loan Rates

Rates effective as of August 1, 2019

Loan Type APR* Amount Term Payment Example
New Auto § as low as 3.25% Under $15,000 Up to 60 Months $29.64-$30.88
See Note 1
as low as 3.25% $15,000 Minimum Up to 72 Months $29.64-$30.88
See Note 1
as low as 3.50% $30,000 Minimum Up to 84 Months $29.75-$30.99
See Note 1
Pre-owned Auto § † as low as 3.25% Under $15,000 Up to 48 Months $29.64-$30.88
See Note 1
as low as 3.25% $15,000 Minimum Up to 72 Months $29.64-$30.88
See Note 1
as low as 3.50% $30,000 Minimum Up to 84 Months $29.75-$30.99
See Note 1
Classic Pre-owned Auto
(Over 15 years of age)
as low as 4.25% $5,000 and Under Up to 36 Months $30.09-$31.11
See Note 1
as low as 4.25% $5,001 - $15,000 Up to 48 Months $30.09-$31.11
See Note 1
as low as 4.25% $15,001 - $25,000 Up to 60 Months $30.09-$31.11
See Note 1
*APR = Annual Percentage Rate. Your APR will be based on your credit score. You will be informed of the APR for which you qualify before you become contractually liable for the account.
§ Based on the MSRP or NADA Retail Value, not to exceed the purchase price. Loan max: $70,000
84 months: Vehicle not to exceed 3 yrs. of age. 72 months: Vehicle not to exceed 7 yrs. of age. Auto subject to inspection.
Amount available is based on a percentage of NADA Classic Auto value, not to exceed the purchase price. Loan max: $25,000
Notes
1. At disbursement, rate reduction of 0.25% allowed with each of the following: direct deposit; share draft account; E-statements; other loans with JDECU; mortgage with JDECU.
2. At disbursement, rate reduction of 0.25% allowed with direct deposit.
Apply for a Loan
Auto Calculators

Rates effective as of August 1, 2019

Loan Type APR* Amount Term Payment Example
RVs† §
(New & Used)
as low as 4.25% $15,000 and Under Up to 60 Months $30.09-$31.11
See Note 1
as low as 4.25% $15,001 Minimum Up to 72 Months $30.09-$31.11
See Note 1
as low as 4.25% $25,001 Minimum Up to 84 Months $30.09-$31.11
See Note 1
as low as 4.25% $30,001 Minimum Up to 96 Months $30.09-$31.11
See Note 1
as low as 4.25% $40,001 Minimum Up to 120 Months $30.09-$31.11
See Note 1
as low as 4.25% $50,001 Minimum Up to 144 Months $30.09-$31.11
See Note 1
ATV/UTV † ◊
(New and Used)
as low as 4.25% Under $5,000 Up to 36 Months $30.09-$31.11
See Note 1
as low as 4.25% $5,000 - $15,000 Up to 48 Months $30.09-$31.11
See Note 1
as low as 4.25% $15,000 - $25,000 Up to 60 Months $30.09-$31.11
See Note 1
*APR = Annual Percentage Rate. Your APR will be based on your credit score. You will be informed of the APR for which you qualify before you become contractually liable for the account.
New - Based on the MSRP or sales price on bill of sale. Used - Up to 100% NADA Retail value plus tax, title, & license. Subject to inspection
§ To include: motor homes, truck camper (over cab), travel trailers, horse trailer with living quarters. RV Loan Max: $75,000
New and used ATV/UTV Loan max: $25,000
Notes
1. At disbursement, rate reduction of 0.25% allowed with each of the following: direct deposit; share draft account; E-statements; other loans with JDECU; mortgage with JDECU.
2. At disbursement, rate reduction of 0.25% allowed with direct deposit.
Apply for a Loan
Loan Calculators

Rates effective as of August 1, 2019

Loan Type APR* Amount Term Payment Example
Motorcycles
(New and Used)
as low as 4.25% Under $5,000 Up to 36 Months $30.09-$31.11
See Note 1
as low as 4.25% $5,000 Minimum Up to 48 Months $30.09-$31.11
See Note 1
as low as 4.25% $10,000 Minimum Up to 60 Months $30.09-$31.11
See Note 1
as low as 4.25% $20,000 - $50,000 Up to 72 Months $30.09-$31.11
See Note 1
*APR = Annual Percentage Rate. Your APR will be based on your credit score. You will be informed of the APR for which you qualify before you become contractually liable for the account.
New - Based on the MSRP or sales price on bill of sale. Used - Up to 100% NADA Retail value plus tax, title, & license. Subject to inspection. Loan max: $50,000
Notes
1. At disbursement, rate reduction of 0.25% allowed with each of the following: direct deposit; share draft account; E-statements; other loans with JDECU; mortgage with JDECU.
2. At disbursement, rate reduction of 0.25% allowed with direct deposit.
Apply for a Loan
Loan Calculators

Rates effective as of August 1, 2019

Loan Type APR* Amount Term Payment Example
Farm Equipment
(New & Used)
as low as 4.25% Under $5,0000 Up to 36 Months $30.09-$31.11
See Note 1
as low as 4.25% $5,0000 Minimum Up to 48 Months $30.09-$31.11
See Note 1
as low as 4.25% $10,0000 Minimum Up to 60 Months $30.09-$31.11
See Note 1
as low as 4.25% $20,000 - $50,000 Up to 72 Months $30.09-$31.11
See Note 1
Lawn & Garden
(New Lawn Mowers, Weed-Eaters, Tillers)
7.25% Up To $1,000 12 Months $30.09-$31.11
7.25% $1,000 - $2,000 24 Months $30.09-$31.11
7.25% $2,000 - $5,000 36 Months $30.09-$31.11
*APR = Annual Percentage Rate. Your APR will be based on your credit score. You will be informed of the APR for which you qualify before you become contractually liable for the account.
New-100% of selling price as indicated on bill of sale plus tax, title, and license. Used- Based on NADA retail value plus, tax, title, and license or appraised value. Loan max: $50,000
Up to 100% of purchase price plus taxes. Purchases of new equipment only. Loan max: $5,000
Notes
1. At disbursement, rate reduction of 0.25% allowed with each of the following: direct deposit; share draft account; E-statements; other loans with JDECU; mortgage with JDECU.
2. At disbursement, rate reduction of 0.25% allowed with direct deposit.
Apply for a Loan
Loan Calculators

Rates effective as of August 1, 2019

Loan Type APR* Amount Term Payment Example
Boat, motor and trailer jet skis
(New and Used)
as low as 4.25% Under $5,000 Up to 36 Months $30.09-$31.11
See Note 1
as low as 4.25% $5,000 Minimum Up to 48 Months $30.09-$31.11
See Note 1
as low as 4.25% $10,000 Minimum Up to 60 Months $30.09-$31.11
See Note 1
as low as 4.25% $20,000 - $50,000 Up to 72 Months $30.09-$31.11
See Note 1
*APR = Annual Percentage Rate. Your APR will be based on your credit score. You will be informed of the APR for which you qualify before you become contractually liable for the account.
New - Based on the MSRP or sales price on bill of sale. Used-Up to 100% NADA Retail value plus tax, title, & license. Subject to inspection. Loan max-$50,000
Notes
1. At disbursement, rate reduction of 0.25% allowed with each of the following: direct deposit; share draft account; E-statements; other loans with JDECU; mortgage with JDECU.
2. At disbursement, rate reduction of 0.25% allowed with direct deposit.
Apply for a Loan
Loan Calculators
Loan Type APR* Amount Term Payment Example
Vacation As Low As 7.75% Up To $1,500 12 Months $31.80
See Note 1
As Low As 7.75% $1,501 - $3,000 Up to 24 Months $31.80
See Note 1
Christmas As Low As 7.75% Up To $1,500
(Available from November 1st - January 31st)
12 Months $31.80
See Note 1
Loan Saver As Low As 14.50% Loan Max: $3,000 Up To 36 Months $34.66
See Note 2
Home Improvement 5.75% Loan Max: $5,000 Up To 36 Months $30.31
Back to School As Low As 7.75% Loan Max: $2,500
(Available between July 1st - October 1st)
Up To 12 Months $31.80
See Note 1
Emergency As Low As 14.50% Loan Max: $500 Up To 6 Months $34.66
See Note 2
*APR = Annual Percentage Rate. Your APR will be based on your credit score. You will be informed of the APR for which you qualify before you become contractually liable for the account.
Notes
1. At disbursement, rate reduction of 0.25% allowed with each of the following: direct deposit; share draft account; E-statements; other loans with JDECU; mortgage with JDECU.
2. At disbursement, rate reduction of 0.25% allowed with direct deposit.
Apply for a Loan
Loan Calculators


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