Personal


Personal Loans Duration APR* Terms/Conditions
Unsecured $5,000 or less 36 Months 12.99% Limited to 1.5 times monthly gross income for FICO score less than 680. Limited to 2.5 times monthly gross income for FICO score of 680 or greater.
Unsecured $5,001 to $10,000 48 Months 12.99% Limited to 2.5 times monthly gross income for FICO score 680 or greater.
Secured Shares 36 Months   6.25% Funds on deposit at St. James Credit Union
Secured Stocks 36 Months 10.00% Maximum loan not to exceed 50% of value. Limited to $25,000.00.
 

Example Payment: A 36 month fixed rate monthly payment, at the quoted rate of 12.99%, would be 36 monthly payments of $33.70 per $1,000 borrowed.

No application fees and no document fees!