If you are interested in applying for JHFCU’s 12-12-12 Holiday Loan*, please note the following:

• You must be a full-time employee and able to provide a copy of your most recent paycheck stub.
• Your Credit Union account must have been open for at least one year
• Must be in “good standing”. “Good standing” is defined as no past-due loans and no negative share account balances.
• You must have satisfactory credit.
• Your Credit Union account must not be subject to any court-ordered garnishments or wage attachments.
• Your account must not reflect any prior charged-off loans or share balances.
• If you have a JHFCU checking account, you must not have more than 9 NSFs (checks presented for non-sufficient funds, whether paid or not) within the current calendar year.

Please visit any of our branches, with your most recent paycheck stub, to apply. Please note that wait times may be longer than normal.

*Restrictions may apply. Please contact JHFCU for details. Rate valid as of 10-19-09 and subject to change without notice. Rate discount offered for loan payments made by payroll deduction. No other rate discounts available. Offer ends December 31, 2009, but may be discontinued at any time without notice.

Representative payment example: A $1,200.00 auto loan at a fixed rate of 12% Annual Percentage Rate for 12 months would require 12 monthly payments of $106.62. 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.