Current Rates
Auto and Personal Rates
Program | Term | Annual Percentage Rate (APR) | Monthly Payment Per $1,000 |
2024-2025 Models or newer | |||
24 Months | 5.74% | $44.21 | |
36 Months | 5.74% | $30.31 | |
48 Months | 5.74% | $23.37 | |
60 Months | 5.74% | $19.22 | |
72 Months | 6.24% | $16.69 | |
84 Months | 6.49% | $14.85 | |
Annual Percentage Rate (APR) effective 3/17/25. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply. | |||
Program | Term | Annual Percentage Rate (APR)* | Monthly Payment Per $1,000 |
2022-2023 Models | |||
24 Months | 5.74% | $44.22 | |
36 Months | 5.74% | $30.31 | |
48 Months | 5.74% | $23.38 | |
60 Months | 5.74% | $19.22 | |
72 Months | 6.24% | $16.70 | |
84 Months | 6.99% | $15.10 | |
2020-2021 Models | |||
24 Months | 6.24% | $44.44 | |
36 Months | 6.24% | $30.54 | |
48 Months | 6.24% | $23.60 | |
60 Months | 6.49% | $19.57 | |
72 Months | 6.99% | $17.05 | |
2017-2019 Models | |||
Up to 48 Months | 7.99% | $24.42 | |
49 to 60 months | 8.24% | $20.40 | |
*Annual Percentage Rate (APR) effective 3/17/25. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply. | |||
Term | Annual Percentage Rate (APR)* | Monthly Payment Per $1,000 |
24 Months | 7.00% | $44.78 |
36 Months | 7.25% | $31.00 |
48 Months | 7.75% | $24.31 |
60 Months | 8.25% | $20.41 |
61-180 Months | 8.75% | $10.00 |
*Annual Percentage Rate (APR) effective 3/1/25. Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply. | ||
Product | Term | Annual Percentage | Monthly Payment Per $1,000 |
Personal Loan | Up to 72 Months | 13.90% | $20.57 |
Debt Consolidation | Up to 72 Months | 13.90% | $20.57 |
Revolving Credit | Open End | 13.90% | $30.00 |
3% of oustanding balance | |||
Overdraft Protection | Open End | 13.90% | $30.00 |
3% of outstanding balance | |||
Vacation Loan | Up to 24 Months | 9.99% | $46.16 |
K-12 Loan | Open End | 8.99% | $30.00 |
Fuel Loan | Up to 12 Months | 6.99% | $86.54 |
*Annual Percentage Rate (APR) effective 3/1/25. A .25% rate reduction offered with automatic monthly debit payment from a St. Jean’s account. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply. Rate reduction offer excludes Revolving Credit, Overdraft Protection, K-12 / Vacation Loans and Fuel Loans. | |||
Here you come first
To find out how St. Jean’s Credit Union puts you and your priorities first, visit one of our offices, use our contact form, or call us at 781.592.5420.
