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Current Promotions

Stop juggling bills and consolidate with our Home Equity Loans!

Want to build a backyard oasis? Renovate your kitchen? Or manage high-interest debt? SJFCU offers home equity line of credit (HELOC) as low as 2.49%* APR . Terms and conditions apply. Speak to a member service representative for more information.

Promo Code: Q1HE20

Apply Today for a HELOC

* HELOC – Home Equity Line of Credit (HELOC) introductory rate will be 2.49% on all new money advanced for a 12-month period of time from the date of the line account opening. To establish Membership, you must first open Statement Savings account with a minimum balance of $25.00 and a Checking Account to qualify for offer. Account must have qualifying direct deposit and debit card. Direct deposit must be made into the account within 30 days of account opening, if not already established in order to qualify for loan, in addition to other credit requirements.  All new members must meet account opening requirements and not have had prior membership within the past 2 years. Upon expiration of the introductory rate, all balances will accrue interest at the variable annual percentage rate (APR) in effect for your account based on loan to value (LTV) and creditworthiness. Your APR may vary. Regular HELOC rates based on Prime Rate published in the Wall Street Journal on the last business day of the month plus a margin with a floor rate of 3.50%. Maximum rate is 18.0%. The introductory APR will automatically terminate at the end of the 12-month introductory period. No notice to borrower is required. Offer good on owner occupied primary residence (up to four units) only up to 90% LTV including any existing first mortgage balance. Borrower responsible for title insurance for any HELOC over $100,000. Terms and conditions apply. Other rates and terms available to qualified borrowers. If credit line is closed within the first (36) months you agree to reimburse the Credit Union for any third party fees paid on your behalf. Rates and terms subject to change at the discretion of the credit union. Contact the credit union for additional details.



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