JHFCU offers Credit Cards and a full range of loan products, such as vehicle, personal, and home loans (please fill out our prequalification form) at great rates. Applying is easy (must be a member of JHFCU), and we are committed to providing an answer as soon as possible. We also offer a number of repayment methods to make a JHFCU loan both economical and convenient!
To apply for a credit card or loan, excluding first mortgages (call our mortgage processor, Financial Security Consultants, at 410-823-3300), please log in to your account. Once logged in, click on the "Loan Applications" option:
Most applications are processed within seconds of receipt. Applications that are submitted and not approved immediately will be reviewed, and you will be contacted by phone or email as soon as possible. Please note you may be asked to provide additional information including:
If you have any questions about our online loan application, or about a loan product, please call our Member Service Representatives.
*APR = Annual Percentage Rate. Rates subject to change and based on applicant(s) credit, term, and loan-to-value ratio.
Current JHFCU loans are not eligible for refinancing. Minimum loan amount is $20,000 for 72 months, $10,000 for 60
months and $3,000 for < 60 months. Base rate payment example: A $20,000.00 auto loan at a fixed rate of 1.74% Annual
Percentage Rate for 72 months would require 72 monthly payments of $292.73. †Rate with Debt Protection OR GAP.
††Rate with Debt Protection AND GAP.