APR (Annual Percentage Rate) Payment per $1000, per month
New 2018 & 2017 (includes motorcycles) Starting at 3.49%* $18.14
Used (2016-2012) (includes motorcycles) Starting at 4.49%* $18.58
Recreational Vehicles Starting at 6.75%* $19.58
NADA Guide for Vehicle Pricing


APR (Annual Percentage Rate)
Grade “A” (680+) Credit – 60 Months As low as 9.75%
Grade “B” (640-679) Credit – 60 Months As low as 10.75%
Grade “C” (600-639) Credit – 60 Months As low as 11.90%
Grade “D” (550-599)Credit – 48 Months As low as 14.90%
Grade “E” (549-) Credit – 48 Months As low as 18.00%



APR (Annual Percentage Rate)
Share secured 3.00%
above rate of share or share certificate being pledged

Home Equity Early Disclosure


Specials Now through October!
5 Year — 3.75%
10 Year — 4.25%
15 Year — 4.50%

No application fee.  Approximate closing costs $500 (appraisal, title exam, payoff processing fee-other institution, loan cancellation fee and recording fee.)
80% of appraised value – rates not based on credit score No more than 1.5% over APOR
$15,000 minimum
Member pays all costs
Fixed rates (not based on credit score)
Up to 5 years
Call for additional rates and terms

What You Should Know About Home Equity Lines of Credit


80% of appraised value No more than 1.5% over APOR
Member pays all costs
Adjustable rate based on the prime lending rate
Rate adjusted twice a year
  • *Rates are based on credit score
  • All Rates Subject To Change Without Notice
  • All loans subject to credit approval
  • Rates subject to change without notice
  • Other conditions may apply
  • Annual Percentage Rate, terms of loan, and loan to value are all subject to applicant(s) credit worthiness.
  • There are no prepaid finance charges
  • Application fee of $100.00 for mortgages and $5.00 for all others applies.
  • A late payment fee of 5% of the payment amount applies to any payment more than 15 days past the due date

Applying for a loan at FJFCU couldn’t be easier.  Use the following application when applying for a personal, vehicle, or full share pledge loan.  To apply for a home equity or mortgage loan, please contact one of our offices directly.  There is an application fee of $5, which can be deducted directly from your share or share draft account.  To use the following application to apply, simply print and complete a copy.  It can then be faxed to (814) 262-0709, taken directly or mailed to one of our offices at the following addresses:

Main Office

310 Bloomfield Street Johnstown, PA 15904

Branch Office

544 Vine Street Johnstown, PA 15901 Loan Application       Application Instructions