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The Johns Hopkins Federal Credit Union



12.99%
APR*— 12 months

Our popular Winter Wonder Loan is returning for 2014!  This loan allows you to borrow up to $1,750 at 12.99% APR*.  Past Winter Wonder loan recipients should watch their mail for a special letter with information about obtaining the 2014 Winter Wonder loan early, before it becomes available to our overall membership. The maximum loan amount for a 1st time borrower is $1,500.00.  Please note that you must be a Credit Union member for at least one year and must be actively employed by the Johns Hopkins Hospital, University, Bayview Medical Center, or any other eligible Johns Hopkins affiliate.  Remember, watch your mail for the letter; it will include important information about the specific dates that you may visit a branch for your loan disbursal. 

If you will be a first-time borrower, you may apply beginning on November 17th. If you are interested in applying, please note the following important information:

In order to be considered for the Winter Wonder Loan:

  • You must be a full-time employee of Hopkins or a Hopkins affiliate.
  • You must be able to provide copies of your 2 most recent paycheck stubs (pay stub must reflect at least 32 hours per week).
  • You must authorize JHFCU to obtain a current credit report.  Although the approval criteria are less stringent for the Winter Wonder loan, your overall credit history will be considered.
  • Your JHFCU account must be at least one year old and must currently be in “good standing” (defined as no past-due loans and no negative share account balances).
  • Your JHFCU account must not be subject to any court-ordered garnishments or wage attachments.
  • Your JHFCU account may not reflect any prior charged-off loans or share balances.
  • If you currently have a JHFCU share draft checking account, the maximum number of NSFs allowable (items rejected due to non-sufficient funds) is nine (9) per calendar year.


Beginning on November 17, 2014, you may visit any of our branches to apply. You must bring your 2 most recent paycheck stubs with you.  Note that early Winter Wonder Loan disbursals (prior to November 17th) are by invitation onlyAnyone who did not receive an invitation letter must apply between November 17th and December 19th.

Please note that wait times may be longer than usual.

Thank you and let us be the first to wish you a happy 2014 holiday season.

*APR=Annual Percentage Rate. Restrictions may apply. Representative payment example: A $1,750.00 loan at a fixed rate of 12.99% Annual Percentage Rate for 12 months would require 12 monthly payments of $156.30. Rates for this product reflect a 1/2% discount for payroll deduction and are determined by an evaluation of the applicant's credit. Your actual rate may vary. Offer ends December 19, 2014.