Lending Capacity Remains Solid
Our financial strength, structure, and lack of risky sub-prime loans gives us the ability to lend in this environment. That means our members can borrow as normal. Our lending guidelines have not been scrutinized or tightened as with many other lenders today. Our members do not have to jump through hoops to be approved for consumer loans.
We appreciate that you have chosen to be a member of St. Joseph's Federal Credit Union. As we repeatedly state: we do, and will continue to, operate IN YOUR BEST INTEREST, ALWAYS.
Your Money Is SAFE at St. Joseph's FCU.
Loans secured only by the good faith and signature of the member. These loans have a higher rate of interest than loans secured by shares or other collateral. Click Here for current rates.
Your shares are the collateral for this type of loan. You may borrow up to the total amount of your shares. Your shares continue to earn interest for you and the interest rates for this type of loan are among the lowest offered. You may withdraw shares that exceed the balance of the loan at any time. Click Here for current rates.
This type of loan uses a Certificate of Deposit as collateral. Your Certificate will continue to earn its stated interest and you will enjoy a lower loan interest rate. Click Here for current rates.
These loans are secured by the value of the automobile. STJ FCU will hold a lien on the title to the automobile. Our rates are competitive and you can use the Calculator link to find how much car you can afford and to compare low interest rates versus manufacturer's rebates. Click Here for current rates.
If the lure of water has gotten under your skin, see your STJ FCU for a boat loan! Click Here for current rates.
Your STJ FCU has competitive rates for motorcycle financing, if you crave the open road and wind in your face. Loan rates for motorcycles are the same as those for New and Used Boats.
STJ offers mortgage loans with a credit union CUSO. Mortgage rates change daily. Click here for current rates.
STJ FCU offers second mortgages from $8,000 to $60,000 at competitive rates. Call your nearest STJ FCU branch for current rates.
A Home Equity Line of Credit is a secured open-end loan that unlocks the value of your home allowing you to borrow against the equity. Advances up to the maximum loan amount may be made repeatedly throughout the 10-year draw period, subject to the terms of the account agreement. There is no need to reapply or record a new deed of trust. Advances may be made at the office or by checks you receive when opening the account.
Most interest paid on mortgage loans (first and second mortgages) is deductible on itemized returns. The Home Equity Line of Credit is a second mortgage; therefore, you may realize substantial savings by borrowing against your home as opposed to other methods of credit. Check with your tax advisor for specific benefits that may apply to you. Call your nearest STJ FCU branch for current rates.
Specifications
- Minimum loan amount $8000 - Maximum loan amount $50,000
- Borrow up to 80% of the value of your home, less the amount owed on your present mortgage
- Life and Disability insurance available
- Minimum required payment based on interest rate, loan balance, and remaining term or $25.00 – whichever is greater
- Property must be in Stark County
- Only single family, primary homes
- Cannot have s 2nd mtg and Heloc with STJFCU open at the same time
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Click Here for Visa disclosure!
Rate as low as 8.75% APR -- lower than most cards with rewards!
- Earn cash back from gas purchases paid at the pump*
- Earn cash back on supermarket purchases*
- Earn cash back from all purchases** you make with the card during each billing cycle
- Up to $7,000 credit limit
- No Annual Fee
Don't just give them cash, give them credit.
With a STJ Federal Credit Union Visa Classic with Rewards card for Students, you have peace of mind knowing your student has emergency and everyday buying power without the risks of carrying cash.
Plus, your student gets one of the best-value credit cards in the nation and all the benefits of STJ Federal Credit Union membership.
The credit card for students that's easy to get.
As long as your son or daughter is at least 18 years old and can show proof of employment and income, he or she is eligible to receive a Visa Classic Rewards card for Students.
Benefits of a STJ Federal Credit Card for Students:
- Easy to apply -- simply complete the Application . If the student is not yet a member, he or she can apply for membership right now!
- As little as a $300 limit -- enough for safety's sake
- AS Low as 8.75% APR -- compare this low rate to the higher, variable rates offered at other institutions
- Credit card in student's name -- student actually builds credit in his or her name
- Cash source -- for books and supplies, room and board, tuition, or even airfare home
- ATM access -- withdraw cash at any ATM displaying the Visa logo at the same low rate as a purchase -- and no cash advance fee!
- Emergency funds -- provides peace of mind to the parent and the student
- With STJ Online Banking, they can monitor their purchases and make payments
But the greatest benefit your child receives is a life time affiliation with STJ Federal Credit Union.
From a new car to a new home, a checking to a share account, or insurance and financial products offered through STJ Federal Credit Union will be with your child every step of the way.
Some conditions and exclusions may apply.
* Net purchases (new monthly purchases minus returns and credits). Rewards are available only for new monthly purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards. Certain limitations apply to the Visa Classic Rewards Program.
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