Skip to content

Current Promotions

See what NO PAYMENTS until summer looks like!

Do you want to enjoy no car payments until summer? Get a new car loan or refinance an auto loan that you currently have with another financial institution, and you’ll make NO payments for 90 days*! You can get pre-approved today and receive up to 1.00%APR off your rate for new purchases, or refinance and receive up to 2.00%APR off your previous rate. Terms and conditions apply. Ask a representative about how you can drive away smiling!

Promo Code: Q2AL20

*90 days deferred payment offer applies to new purchases and refinances of vehicles from other institutions. SJFCU refinances not included. Interest will continue to accrue from date of loan disbursement. 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. Qualifying direct deposit include your paycheck, pension, government benefits (such as social security), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account. Person-to-person and bank transfers between your accounts you have at another financial institution do not qualify. 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. Must meet standard qualifications for approval. This offer requires a minimum 620 FICO credit score and maximum Loan-to-Value (LTV) of 110% based on NADA value (Used Auto) or MSRP (New Auto). Maximum term 78 months. Maximum vehicle age 10 years (new purchases) or 5 years (refinances). LTV calculation does not include any financed GAP or Extended Warranty. Loan must close by August 31st 2020 to be eligible for this offer. Offer may be withdrawn any time at the discretion of the credit union.

 

Stop juggling bills and consolidate with our Home Equity Loans!

SJFCU has options that can help you consolidate your debt, or find some extra funds to help make tomorrow easier. Homeowners can take advantage of our special home equity loan or home equity line of credit promotions and use the money any way they choose. Our Home Equity Loans are as low as 2.99%APR*. If you need an option with some flexibility, we are offering a special rate on our Home Equity Line of Credit of 2.49% APR** for the first 12 months. Terms and conditions apply.

Promo Code: Q1HE20

Apply Today for a Home Equity Loan or HELOC

*Home Equity -  Minimum amount borrowed for new loans and refinances is $10,000. Minimum 680 FICO score is required. 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. Offer good on owner occupied primary residence (up to four units) up to 90% LTV including any existing first mortgage balance. Term for 2.99% rate is 60 months. Term for 3.99% rate is 120 months. If loan is paid off within the first (36) months you agree to reimburse the Credit Union for any third party fees paid on your behalf. Title insurance required for loan amounts over $100,000. Terms and conditions apply. Other home equity loan rates and terms available to qualified borrowers. All rates and terms subject to change at the discretion of the credit union. Interest may be tax deductible. Consult a tax professional. Standard closing costs apply. Contact the credit union for additional details.

** 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.

 

 

best live chat