Rates
Share Rates
| Share Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| Share Savings | $25 | 0.30% | 0.30% | |||
| Share Savings | $5,000 | 0.35% | 0.35% | |||
| Share Savings | $10,000 | 0.40% | 0.40% | |||
| Share Savings | $25,000 | 0.45% | 0.45% | |||
| *APY=Annual Percentage Yield. The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of December 31, 2019. Fees could reduce the earnings on the accounts. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | ||||||
| Grad Student Summer Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| Grad Student Summer Savings | $25 | 0.30% | 0.30% | |||
| Grad Student Summer Savings | $5,000 | 0.35% | 0.35% | |||
| Grad Student Summer Savings | $10,000 | 0.40% | 0.40% | |||
| Grad Student Summer Savings | $25,000 | 0.45% | 0.45% | |||
| *APY=Annual Percentage Yield. The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of December 31, 2019. Fees could reduce the earnings on the accounts. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | ||||||
| Custom Share Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| Custom Share Savings | $0 | 0.30% | 0.30% | |||
| Custom Share Savings | $5,000 | 0.35% | 0.35% | |||
| Custom Share Savings | $10,000 | 0.40% | 0.40% | |||
| Custom Share Savings | $25,000 | 0.45% | 0.45% | |||
| *APY=Annual Percentage Yield. The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of December 31, 2019. Fees could reduce the earnings on the accounts. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | ||||||
| Holiday Club | Min. Balance to Obtain APY | APY* | Dividend | |||
| Holiday Club | $0 | 0.30% | 0.30% | |||
| *APY=Annual Percentage Yield. The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of December 31, 2019. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | ||||||
| Education Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| Education Sav. - 3 yr. | $100 | 0.45% | 0.45% | |||
| Education Sav. - 5 yr | $100 | 0.50% | 0.50% | |||
| *APY=Annual Percentage Yield. The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of December 31, 2019. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | ||||||
| Share Draft Checking | Min. Balance to Obtain APY | APY* | Dividend | ||||
| Share Draft Checking | $0 | 0.20% | 0.20% | ||||
| *APY=Annual Percentage Yield. The above account is a variable rate account and rates are subject to change. The Annual Percentage Yield (APY) is accurate as of February 29, 2020. Fees could reduce the earnings on the accounts. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | |||||||
| Student Checking | Min. Balance to Obtain APY | APY* | Dividend | ||||
| Student Checking | $0 | 0.00% | 0.00% | ||||
| *APY=Annual Percentage Yield. | |||||||
| Money Market | Min. Balance to Obtain APY | APY* | Dividend | |||
| Money Market** | $2,500 | 0.35% | 0.35% | |||
| $10,000 | 0.45% | 0.45% | ||||
| $25,000 | 0.50% | 0.50% | ||||
| $50,000 | 0.55% | 0.55% | ||||
| $100,000 | 0.60% | 0.60% | ||||
| Money Market** | $250,000 | 0.70% | 0.70% | |||
| *APY=Annual Percentage Yield. The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of January 1, 2020. Fees could reduce the earnings on the accounts. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. **Money Market Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate. |
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| Share Certificates | Min. Balance to Obtain APY | APY* | Dividend | |||
| Share Certificate - 6 Months | $500 | 0.40% | 0.40% | |||
| Share Certificate - 12 Months | $500 | 0.70% | 0.70% | |||
| Share Certificate - 24 Months | $500 | 0.80% | 0.80% | |||
| Share Certificate - 36 Months | $500 | 0.85% | 0.85% | |||
| Share Certificate - 48 Months | $500 | 0.90% | 0.90% | |||
| Share Certificate - 60 Months | $500 | 0.95% | 0.95% | |||
| *APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of March 10, 2020. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | ||||||
| Jumbo Certificates | Min. Balance to Obtain APY | APY* | Dividend | |||
| Jumbo Share Certificate - 6 Months | $50,000 | 0.40% | 0.40% | |||
| Jumbo Share Certificate - 12 Months | $50,000 | 0.70% | 0.70% | |||
| Jumbo Share Certificate - 24 Months | $50,000 | 0.80% | 0.80% | |||
| Jumbo Share Certificate - 36 Months | $50,000 | 0.85% | 0.85% | |||
| Jumbo Share Certificate - 48 Months | $50,000 | 0.90% | 0.90% | |||
| Jumbo Share Certificate - 60 Months | $50,000 | 0.95% | 0.95% | |||
| *APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of March 10, 2020. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | ||||||
| IRA: Share Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| IRA - Open Share Savings | $500 | 0.35% | 0.35% | |||
| IRA - Open Share Savings | $50,000 | 0.40% | 0.40% | |||
| *APY=Annual Percentage Yield. The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of December 31, 2020. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | ||||||
| IRA Share Certificate | Min. Balance to Obtain APY | APY* | Dividend | |||
| IRA Share Certificate - 6 Months | $500 | 0.45% | 0.45% | |||
| IRA Share Certificate - 12 Months | $500 | 0.75% | 0.75% | |||
| IRA Share Certificate - 24 Months | $500 | 0.85% | 0.85% | |||
| IRA Share Certificate - 36 Months | $500 | 0.90% | 0.90% | |||
| IRA Share Certificate - 48 Months | $500 | 0.95% | 0.95% | |||
| IRA Share Certificate - 60 Months | $500 | 1.00% | 1.00% | |||
| IRA Rollover Share Certificate - 18 Months** | $5000 | 0.90% | 0.90% | |||
| *APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of March 10, 2020. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. **Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.) |
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Loan Rates
Effective As of March 23, 2020
| New Cars | APR* | ||
| New Cars (72 months or less)** | as low as | 2.64% | |
| New Cars (84 months)**† | as low as | 3.14% | |
| *APR=Annual Percentage Rate **Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 3.29% APR for 60 month would require 60 monthly payments of $361.95. †Minimum amount to finance is $35K. |
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| Used Cars | APR* | |||
| Used Cars (72 months or less)** | as low as | 2.64% | ||
| Used Cars (84 months)**† | as low as | 3.14% | ||
| *APR=Annual Percentage Rate **Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 3.29% APR for 60 month would require 60 monthly payments of $361.95 †Minimum amount to finance is $35k. |
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| New Other Vehicles | APR* | ||
| New Other Vehicles (60 months or less)** |
as low as | 3.64% | |
| New Other Vehicles (72 months)** | as low as | 3.89% | |
| New Other Vehicles (84 months)**† | as low as | 4.64% | |
| *APR=Annual Percentage Rate **Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 4.29% APR for 60 month would require 60 monthly payments of $370.94 †Minimum amount to finance is $35K |
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| Used Other Vehicles | APR* | ||
| Used Other Vehicles (60 months or less)** |
as low as | 3.64% | |
| Used Other Vehicles (72 months)** |
as low as | 3.89% | |
| Used Other Vehicles (84 months)**† | as low as | 4.64% | |
| 8-10 Year Old Vehicle (72 months or less; max 125K miles)**† | as low as | 4.64% | |
| 8-10 Year Old Vehicle (84 months; max 125K miles)**† | as low as | 5.14% | |
| *APR=Annual Percentage Rate **Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of $4.29% APR for 60 month would require 60 monthly payments of $370.94 †Minimum amount to finance Is $35K. |
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| Visa Credit Cards | APR* | ||
| Visa Platinum Credit Card | as low as | 7.90% | |
| Visa Platinum Rewards Credit Card | as low as | 9.40% | |
| Secured Visa Credit Card | as low as | 11.90% | |
| Starter Visa Credit Card | 18.00% | ||
| *APR=Annual Percentage Rate | |||
| First Mortgages | Term | Rate | APR* |
| Fixed First Mortgage | 30 Year | 3.875% | 3.972% |
| Fixed First Mortgage | 20 Year | 3.625% | 3.759% |
| Fixed First Mortgage | 15 Year | 3.250% | 3.421% |
| Fixed First Mortgage | 10 Year | 3.125% | 3.373% |
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*APR= Annual Percentage Rate. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio for a conventional loan with no mortgage insurance. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, or other factors. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan.. |
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| Specialty Mortgages | Rate | APR* | |
| 10/1 A.R.M** | 3.500% | 3.601% | |
| 7/1 A.R.M.** | 3.250% | 3.425% | |
| 5/1 A.R.M.** | 3.125% | 3.400% | |
| 80/10/10 (1st Mortgage) |
Please call our loan department at 410-535-4500 x740 | ||
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*APR=Annual Percentage Rate. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio for a
conventional loan with no mortgage insurance. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, or other factors. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan. |
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| HomeFree Home Loan | APR* | |||
| HomeFree Home Loan (external refi)** |
as low as | 3.250% | ||
| HomeFree Home Loan (internal refi)** | as low as | 3.500% | ||
| *APR=Annual Percentage Rate **Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Representative principle and interest payment example: A $100,000.00 home equity fixed loan at a rate of 5.75% APR for 10 years, your payment will be $1097.69 per month. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Adjustable rate mortgages are variable and your APR may increase after the original fixed rate period. Rates are subject to change. |
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| Home Equity Lines of Credit | APR* | |
| Home Equity Line (80% LTV)** | as low as 4.75% (Prime Rate + 0.00%; floor rate is 3.00%) | |
| Home Equity Line (90% LTV)** | as low as 5.00% (Prime Rate + 0.25%; floor rate is 3.25%) | |
| Jumbo Home Equity Line ($150K or greater, max 80% LTV)** | as low as 5.75% (Prime Rate + 1.00%; floor rate is 4.00%) | |
| *APR=Annual Percentage Rate
** Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Property and flood insurance may be required. Maximum rate is 18% APR. Rates are subject to change. |
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| Home Equity Fixed | APR* | |
| Home Equity-Fixed(5 yr, 80% LTV)** | as low as | 3.750% |
| Home Equity-Fixed(5 yr, 90% LTV)** | as low as | 4.500% |
| Home Equity-Fixed(5 yr, 100% LTV)** | as low as | 5.000% |
| Home Equity-Fixed(10 yr, 80% LTV)** | as low as | 4.250% |
| Home Equity-Fixed(10 yr, 90% LTV)** | as low as | 5.000% |
| Home Equity-Fixed(10 yr, 100% LTV)** | as low as | 5.500% |
| Home Equity-Fixed(15 yr, 80% LTV)** | as low as | 4.750% |
| Home Equity-Fixed(15 yr, 90% LTV)** | as low as | 5.500% |
| Home Equity-Fixed(15 yr, 100% LTV)** | as low as | 6.000% |
| *APR=Annual Percentage Rate ** Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Representative principle and interest payment example: A $100,000.00 home equity fixed loan at a rate of 5.75% APR for 10 years, your payment will be $1097.69 per month. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Adjustable rate mortgages are variable and your APR may increase after the original fixed rate period. Rates are subject to change. |
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| Jumbo Home Equity - Fixed | APR* | |
| Jumbo Home Equity-Fixed ($150K and greater, 10 yr, max. 80% LTV)** | as low as | 6.250% |
| Jumbo Home Equity-Fixed ($150K and greater, 15 yr, max. 80% LTV)** | as low as | 6.750% |
| *APR=Annual Percentage Rate ** Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Representative principle and interest payment example: A $200,000.00 home equity fixed loan at a rate of 7.375% APR for 120 months, your payment will be $2,361.04 per month. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Adjustable rate mortgages are variable and your APR may increase after the original fixed rate period. Rates are subject to change. |
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| Home Improvement Loan | APR* | ||
| Home Improvement < $5K* | as low as | 5.0% | |
| *APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change. | |||
| Overdraft Protection/Loanmaker Line of Credit | APR* | ||
| Loanmaker Line* | as low as | 11.25% | |
| *APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change. Maximum rate is 18% APR. | |||
| Anything Loan | APR* | ||
| Anything Loan (personal loan) * | as low as | 7.0% | |
| *APR=Annual Percentage. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change. | |||
| Education | APR* | ||
| Education | as low as | 5.0% | |
| *APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change. | |||
| Share Secured | APR* | ||||
| Share Secured (Rate tied to Share Savings Rate) |
3.30% | ||||
| *APR=Annual Percentage Rate | |||||
| Holiday Loan | APR* | ||
| Holiday Loan*(Available in November & December only) | as low as | 6.5% | |
| *APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change. | |||