|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.
STJ now offers DocuSign.