rule
JetStream Logo JetStream Banner
Javascript DHTML Drop Down Menu Powered by dhtml-menu-builder.com

Loan Rates

Home Equity - Heloc

Max/Min Term APR
200/10K 10 years Draw and 15 year repayment period. As low as 4.00%**
No closing costs on 15K or over provided loan is not paid off within first 36 months. 
** Rate is a variable rate based on the Prime Rate as published in the Wall Street Journal, currently at 3.25% as of 8-21-12. Rate can be adjusted on the first of the calendar quarter following the change in the Prime Rate. The ANNUAL PERCENTAGE RATE will never go below the minimum rate of 4.00%. What you should know about Home Equity Lines of Credit

Home Equity - Fixed Rate

Max/Min Term APR
200/10K Up to 60 months As low as 4.99%
200/10K Up to 120 months As low as 5.24%
200/10K Up to 180 months As low as 5.50%
Special Note: No closing costs on 15K or over provided loan is not paid off within first 36 months. Second Homes and Investment/Rental Properties add 1% to qualifying rate. 


New Cars, Trucks, Vans

Amount Financed APR
100% As low as 1.99%*


*60 month term, with direct deposit, auto pay, credit worthiness and other applicable credit union **requirements.

Used Cars, Trucks, Vans

Amount Financed APR
100% As low as 2.99%*

*60 month term, with direct deposit, auto pay, credit worthiness and other applicable credit union **requirements.

Personal Loan

Max. Limit Term APR
Up to 20K*** Up to.36 months As low as 8.99%
Up to 20K*** Up to.60 months As low as 9.99%

Personal Line of Credit

Max. Limit Term APR
Up to 20K*** Max. 60 months As low as 9.99%

***Total of all types of unsecured debts with the Credit Union cannot exceed $20,000.00

New Motorcycles

Term APR
Up to 36 months As low as 4.99%
Up to.60 months As low as 5.99%

Special Note: Loan term determined by underwriting, based upon loan mount, down payment, Loan To Value, model type and credit/income analysis.

Used Motorcycles

Term APR
Up to 36 months As low as 5.99%
Up to 60 months As low as 6.99%

Special Note: Loan term determined by underwriting, based upon loan mount, down payment, Loan To Value, model and year, condition/mileage and credit/income analysis.

 

New Boats, RV's (Motor Homes & Campers)

Term APR
Up to 60 months As low as 4.99%
Up to 96 months As low as 5.99%
Up to 144 months As low as 6.99%
*Loan term determined by underwriting, based upon loan amount, model type, Loan to Value, down payment, and credit/income analysis.


Used Boats, RV's (Motor Homes & Campers)

Term APR
Up to 60 months As low as 5.99%
Up to 96 months As low as 6.99%
Up to 144 months As low as 7.99%

* Special Note: Loan term determined by underwriting, based upon loan mount, down payment, Loan To Value, model and year, condition/mileage and credit/income analysis.

MasterCard

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases


8.65% to 18.00%
when you open your account, based on your creditworthiness.

After that your rate will vary with the market based on the Prime Rate. Prime Rate will be updated on the 1st business day of each quarter.


APR for Balance Transfers


8.65 to 18.00%
 

Equal to the then current Annual Percentage Rate for Purchases. This APR will vary with the market based on Prime Rate.


APR for Cash Advances


8.65 to 18.00%
 

Equal to the then current Annual Percentage Rate for Purchases. This APR will vary with the market based on Prime Rate.


Penalty APR and When it Applies


18.00%

This APR may be applied to your account after your card becomes 60 days delinquent.

How Long Will the Penalty APR Apply?

If your APR is increased for the above reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due and do not exceed your credit limit during that time period.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
• Balance Transfer Fee

• Cash Advance
• Foreign Transaction Fee

 
None
$10.00
per ATM Withdrawal

2% of each transaction in U.S. dollars

Penalty Fees
• Late Payment
• Over-the-Limit
• Returned Payment

Up to $35.00
None
Up to $35.00

How We Will Calculate Your Balance.
We use a method called “average daily balance (including new purchases).”

 

Secured MasterCard

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases


12.65% to 13.00%
when you open your account, based on your creditworthiness.

After that your rate will vary with the market based on the Prime Rate. Prime Rate will be updated on the 1st business day of each quarter.


APR for Balance Transfers


12.65 to 13.00%
 

Equal to the then current Annual Percentage Rate for Purchases. This APR will vary with the market based on Prime Rate.


APR for Cash Advances


12.65 to 13.00%
 

Equal to the then current Annual Percentage Rate for Purchases. This APR will vary with the market based on Prime Rate.


Penalty APR and When it Applies


18.00%

This APR may be applied to your account after your card becomes 60 days delinquent.

How Long Will the Penalty APR Apply?

If your APR is increased for the above reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due and do not exceed your credit limit during that time period.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
• Balance Transfer Fee

• Cash Advance
• Foreign Transaction Fee

 
None
$10.00
per ATM Withdrawal

2% of each transaction in U.S. dollars

Penalty Fees
• Late Payment
• Over-the-Limit
• Returned Payment

Up to $35.00
None
Up to $35.00

How We Will Calculate Your Balance.
We use a method called “average daily balance (including new purchases).”

 

 
rule
ncua
Federally Insured by NCUA
to at least $250,000

visa Equal Housing Lender
rule
Copyright © 2011,JetStream Federal Credit Union. All Rights Reserved. Unauthorized Access is Prohibited. All Accesses are Monitored. The Credit Union does not endorse, approve, certify or control any of the 'live' links to other Internet addresses which are provided for members' convenience in accessing information not maintained on this site.