Loan Rates & Terms

Fixed Term Loans (Closed-End Loans)

Loan Type Amount APR* Fixed Term of Repayment

Signature $300 - $7000 8.75% 12 Months   $300 - $7000 8.75% 24 Months   $300 - $7000 8.75% 36 Months

Share Up to the amount on deposit in shares +2% over rate on pledged share 60 Months

Share Certificate Up to the face amount of the certificate +2% over rate on pledged CD Certificate Maturity

**Individual rates are based on credit scores. Life and Disability Insurance is available at discounted rates. ***.25% discount for payroll deduction or automatic payment from an STJ savings or checking account(except for the credit rebuilder loan).

• The APR will not increase over the term of your loan.
• These Loans are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed with equal monthly payments over the Term of the Loan.

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.

Loan Type Amount APR* Fixed Term of Repayment

Credit Rebuilder Loan $ 1000 Minimum/Maximum 16.99% 12 Months

• The APR will not increase over the term of your loan.
• These Loans are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed with equal monthly payments over the Term of the Loan.

Auto Loans

Loan Type Year(s) APR* Fixed Term of Repayment

New Auto(non-titled) New (un-titled) 2.99 % Up To 60 Months New (un-titled) 3.24% Up To 72 Months New (un-titled) 3.49% Up To 78 Months Purchase Price not to exceed Manufacturer's suggested retail or payoff from another institution.

Used Auto 2016-2018 model year 2.99% Up To 48 Months 2016-2018 model year 3.09 % Up To 60 Months 2016-2018 model year 3.34 % Up To 72 Months 2012-2015 model year 3.40 % Up To 48 Months 2012-2015 model year 3.65 % Up To 60 Months 2012-2015 model year 3.75 % Up To 72 Months 2011 & older model year 5.75 % Up To 48 Months Loan not  to exceed Retail Value according to the NADA Official Used Car Guide.

**Individual rates are based on credit scores. GAP Insurance is available and may be required for some terms. Life and Disability Insurance, Extended Warranty polices and CarFax are available at discounted rates. ***.25% discount for payroll deduction or automatic payment from an STJ savings or checking account(except for the credit rebuilder loan).

When comparing loan rates against your STJ FCU rate:

• always ask about loan fees.
• always ask for the true APR.
• Ask if rates will increase during the loan.

• The APR will not increase over the term of your loan.
• These Loans are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed with equal monthly payments over the Term of the Loan.

RV’s, Boat, Motorcycles, Miscellaneous, & Motor Home Loans

Loan Type Year(s) APR* Fixed Term of Repayment

RV’s, Boat, Motorcycles, Misc., & Motor Home 2016-2018 model year 4.00% Up To 48 Months   4.25 % 60 Months   6.00 % Up To 72 Months 2013-2015 model year 6.00% Up To 60 Months   7.00 % 84 Months 2012 - Older model year 7.25% Up To 48 Months Loan not to exceed Retail Value according to the NADA Official Used Car Guide.

**Individual rates are based on credit scores.  GAP Insurance is available and may be required for some terms. Life and Disability Insurance and Extended Warranty polices are available at discounted rates. *** .25% discount for payroll deduction or automatic payment from an STJ savings or checking account(except for the credit rebuilder loan). Pre- approval is required for RV’s over $ 35,000.00.  Maximum term is 120 months.  Add 1% to rate for each year over 5 year term.

• The APR will not increase over the term of your loan.
• These Loans are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed with equal monthly payments over the Term of the Loan.

VISA® Cards

Loan Type Fees APR* Limit

VISA® Classic® No Annual Fees 8.75% Up To $ 7000.00 VISA® ® Introductory Rate No Annual Fees 3.99% Up To $ 7000.00 *Annual Percentage Rate. Introductory Rate of 3.99% applies to all purchases, balance transfers and cash advances posted to a STJ VISA® ® card in the first twelve months from issue date. After that time, all credit card balances (including purchases, cash advances, and balance transfers) will revert to the regular credit card rate. Current STJ VISA® ® cards not eligible for refinance.

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.

Home Equity

Term APR* Fixed Term of Repayment

84 Months 4.75 % Minimum $8,000 - Maximum $60,000

120 Months 5.0 % Minimum $8,000 - Maximum $60,000

180 Months 5.25 % Minimum $8,000 - Maximum $60,000

**LTV stands for Loan to Value. Rates based on maximum 80 % Loan to Value Ratio.  Fees:  $ 275.00 appraisal (est.) and $ 250.00 Closing costs.

• The APR (Annual Percentage Rate) is the true Truth in Lending APR.
• The APR will not increase over the term of your loan.
• The Loans above are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed.
• Loans over $ 60,000.00 add additional .25 % to rate.
• *.25% discount for payroll deduction or automatic payment from an STJ savings or checking account

Home Equity Line Of Credit

Term APR* Fixed Term of Repayment

120 Months Prime + 0 % Minimum $8,000 - Maximum $50,000

**LTV stands for Loan to Value. Rates based on maximum 80 % Loan to Value Ratio.  Fees:  $ 275.00 appraisal (est.) and $ 250.00 Closing costs.

• Single family, primary homes only in Stark County.
• The first draw is 5 % of the line of credit amount.
• $ 30 annual fee.
• The APR shown is the APR in effect as of the posted date, These loans have a variable periodic rate based on the published prime rate, with or without a margin as noted above.
• The base rate may change monthly. The annual rate is set on the 1st business day of each month based on the Prime Rate listed in the Wall Street Journal.
• The minimum APR is prime % and maximum APR cannot exceed 18 %.
• The payments are calculated based on a 10 year repayment schedule and may increase or decrease.
• *.25% discount for payroll deduction or automatic payment from an STJ savings or checking account

Lot / Land Loans (Closed-End Loans)

Mortgage Term APR* Fixed Term of Repayment

120 Months 7.50 % Min-$10,000.00-Max $100,000.00

180 Months 8.00 % Min- $10,000.00- Max-$100,000.00

*APR – Annual Percentage Rate. •The APR will not increase over the term of your loan. •These Loans are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed with equal monthly payments over the Term of the Loan. •STJ FCU charges a $250.00 Appraisal fee. Closing costs start at $1000.00 and under certain circumstances may be able to be added to the loan.