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The Johns Hopkins Federal Credit Union
Other Loans

Other Loans
Signature Loans

A JHFCU Signature Loan is a great way to borrow for any purpose you have in mind or to consolidate existing debt into one, low monthly payment. You can use your loan for holiday purchases or to take the vacation you've always dreamt about!

Computer Loans

Tired of your old PC crashing? Upgrade your current system or enter the digital age with a low-rate computer loan from JHFCU. Whether it's an Apple, Dell, or IBM, we'll finance the hardware, software, and peripherals! We make checks payable to the vendor; just bring us an order form or advertisement showing the price of the item(s) and name of retailer.

Home Improvement Loans

Want to enhance your home's value, but don't have the equity? Try a JHFCU Home Improvement loan, which offers a lower rate than our regular Signature loan, to make improvements such as fixing-up a leaky roof, repaving a driveway, or adding a deck to your backyard.

Private Student Loans

Low Rates and Great Benefits - Rates as low as Prime +.25% APR**

College Resource Center

College tuition and expenses continue to rise and many families are looking for funding solutions to finance higher education. Recognizing this need for its members, Johns Hopkins Federal Credit Union offers a competitive private student loan designed to ease the burden of paying for college. The Johns Hopkins Federal Credit Union Private Student Loan can help pay for all qualified education expenses.

JHFCUs Private Student Loan offers:

  • No origination fees
  • Competitive Interest Rates and with good grades, applicants get even lower rates
  • 30-Day No-Fee Return Policy allows you to cancel the loan without fees or interest
  • Consolidation of student loans from other institutions
  • Use for ALL Qualified Education Expenses such as tuition, room & board, books, computer, even past due tuition bills (qualified expenses are determined by the school during the certification process)

For more information, or to apply, visit*

*By accessing the noted link above, you will be leaving JHFCU's website and entering a website hosted by another party, LendKey. JHFCU partners with LendKey and DocuSign to facilitate the student loan application and program.
**APR = Annual Percentage Rate. Rates and terms based on credit criteria and are all subject to change. Assuming a $10,000 loan amount, a 3.44% APR and the full payments option, you would make 54 monthly payments of $25, while enrolled in school followed by 120 monthly payments of $101.41 to repay this loan. If the APR is 9.13% and the loan amount remains $10,000 you would make 54 monthly payments of $25 while you are enrolled in school followed by 120 monthly of $170.97 repay this loan. The APR may be increased after consummation.

Education Loans

Pay for you or your child's education with a JHFCU Education loan, perfect for the needs of any scholar. And because the rate is lower than our Signature loans, an Education loan can help you save more money for school.

Share Secured Loans

Use the money in your Share Savings account as collateral to get a low-rate Share Secured loan. The rates for our Share Secured loans are tied to the current rate for our Share accounts and are usually the lowest loan rates we offer. As the loan principal is repaid, you will regain access to the funds in your share account.

Line of Credit

A personal line of credit, up to $15,000, can be established especially for you to meet your financial needs easily and conveniently. It's an excellent compliment to our free Share Draft checking account, providing overdraft protection with no annual fee. Our Line of Credit is self-renewing. As you make loan payments, the amount that reduces the principal balance is made available for you to borrow again.

Loan Payment Protection

Even the most responsible person can be hit with bills they can’t pay, damage to their credit score, and even repossessions when unexpected illness, injury, or death eliminates their ability to earn a paycheck.

Debt Protection may even cover loss of job or events that may happen to your family.

When you add Debt Protection to your loan1 or other obligations, you minimize the impact of the unexpected. In most cases, Debt Protection can:

  • Eliminate all or part of your remaining loan balance or pay a portion of the payment
  • Protect your credit rating as loan payment obligations are made on your behalf
  • Prevent late fees
  • Protect your family and your possessions
  • Free-up extra cash when it’s needed most
  • Pay benefits in addition to any other protection you may have

Debt Protection is affordable, may cover both you and your co-borrower, and is a part of your regular payment—giving you one less thing to think about.

To learn more about Debt Protection, contact your loan officer or service representative today!

1Debt Protection may be available for personal credit cards, auto loans, personal consumer loans, and home equity loans.

Your purchase of Debt Protection is optional. Whether or not you purchase Debt Protection will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Debt Protection. You should carefully read the contract for a full explanation of the terms.

Credit Bureau InformationEquifax 3-in-1 Monitoring

Get Your Credit Report! is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion. The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.

If you prefer, you may also request your credit report by calling 1-877-322-8228 or by mail at Annual Credit Report Request Service, P.O. Box 105281 (must download request form from