JDFCU INFORMATION PORTAL

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LOANS

Loan Details

Category Details
Loan Limit $1,000,000.00
Repayment Period 5 Years (Revolving)
Interest Rate 15% p.a./ 1.25% p.m
Service Charge 3.5%
Equity 15% (1/2 payable over 12 months)
Compulsory Savings As per band (Click to Jump to Band)
Turn Around Time 24 Hours

Requirements Check List

Loan Requirement
Last two (2) Pay Advices
Valid Identification (Driver?s License, Passport, National ID
Loan Repayment via Salary Deduction
Member must sign Final Payment Letter
Compulsory Savings per Band Click tp Jump to Band)

Loan Details

Category Details
Loan Limit $17,000,000.00
Repayment Period 15 Years
Interest Rate 11.5% p.m./ 0.9583% p.m
Service Charge 2%
Equity 10% (1/2 payable over 36 months)
Compulsory Savings As per band (Click to Jump to Band)
Turn Around Time 10 Working Days

Requirements Check List

Loan Requirement
Proof of Loan Purpose
Last two (2) Pay Advices
Valid Identification (Driver?s License, Passport, National ID
Job Letter (Not needed for Military Personnel ONLY)
Character Reference Letter from OC/Supvisor for Members UNDER 2 years
Physical Inspection Report of Property
Documents for Security
Original Certificate of Land Title
Property Tax Certificate
Valuation Report (not exceeding 24 months old) with Photographs of Property/Land
Land Surveyors ID Report (if there is a house on the property)
Status Letter from 1st Mortgagee

Motor Vehicle Rates

Vehicle Age Deposit Required Repayment Period Interest Rate
13 Years 20% 2.5 Years 12%
12 Years 20% 3 Years 12%
10-11 Years 10% 5 Years 12%
8-9 Years 10% 6 Years 10%
6-7 Years 10% 6.5 Years 10%
4-5 Years 5% 8 Years 8.5%
2-3 Years 5% 8 Years 8.5%
New-1 Year 0% 10 Years 6.59%

Loan Details

Category Details
Loan Limit $9,000,000.00
Maximum Repayment Period 10 Years
Interest Rate As per Vehicle Age, see Rates below
Service Charge 2%
Equity As per Vehicle Age, see Rates below
Compulsory Savings As per band (Click to Jump to Band)
Turn Around Time 7 Working Days

Requirements Check List

Loan Requirements
Must be a CU Member for three (3) months
Pro-forma/Sales Agreement invoice from dealer or vendor
Last two (2) Pay Advices
Valid Identification (Drivers License, Passport, National ID
Valuation Report
Certificate of Fitness
Copy of Certificate of Title
Invoice from Insurance Company
Security/Motor Vehicle offered PLUS share balance should be equal or greater than Loan Amount

Loan Details

Category Details
Loan Limit $350,000.00
Repayment Period 24 Months
Interest Rate 15% p.a./ 1.25 p.m.
Service Charge 5%
Equity $3,000.00 or 2.5% of Loan Amount
Compulsory Savings As per band (Click to Jump to Band)
Special Features Automated Top-Ups up to previous disbursed limit from e-Banking/Mobile App.
Turn Around Time 1-2 Days

Requirements Check List

Loan Requirement
Be a CU member for 6 months
Last two (2) Pay Advices
Valid Identification (Driver?s License, Passport, National ID
Job Letter (Not needed for Military Personnel ONLY)
Credit Report
Member must sign Final Payment Letter
Compulsory Savings as per Band (Click to jump to band)
Repayment via Salary Deduction or Standing Order if Employer does not support Salary Deduction

Loan Details

Category Details
Loan Limit $500,000.00
Maximum Repayment Period 36 Months (3 Years)
Interest Rate 15.5% p.a. / 1.29 p.m.
Service Charge 3.5%
Equity 10%
Compulsory Savings As per band (Click to Jump to Band)
Turn Around Time 24 Hours
Special Features Offers are pre-approved via Letters of Invitation

Requirements Check List

Loan Requirements
Must be a CU Member for three (3) months
Last two (2) Pay Advices
Valid Identification (Driver?s License, Passport, National ID
Job Letter (Not needed for Military Personnel ONLY)
Certificate of Fitness
Payment via Salary Deduction
Member must sign Final Payment Letter
Consolidate Internal and External Loans

Loan Details

Category Details
Loan Limit $3,000,000.00
Repayment Period 72 Months (6 Years)
Interest Rate 15% p.a./ 1.25% p.m
Service Charge 3.5%
Equity 15% (1/2 payable over 24 months)
Compulsory Savings As per band (Click to Jump to Band)
Turn Around Time 7 Working Days

Requirements Check List

Loan Requirements
Must be a CU Member for three (3) months
Proof of Loan Purpose
Last two (2) Pay Advices
Valid Identification (Driver?s License, Passport, National ID
Job Letter (Not needed for Military Personnel ONLY)

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SAVINGS

Plan Details

Category Details
Interest Rate 3.5% p.a.
Savings Period 1 Year ? 10 Years
Minimum Payment $500.00

Features and Conditions

Special Features

  • Initial lump sum accepted
  • Cuna Mutual insured product that guarantees investment payout to your Beneficiary in case of death or disability
  • Up to 90% of account balance can be used as a Loan so your savings can continue to grow

Conditions

  • Investment is taxed
  • Plan breaks if money is withdrawn from account

Plan Details

Category Details
Interest Rate 2.75%-5%
Savings Period 30, 90, 360 Days
Minimum Payment $5000.00

Features and Conditions

Special Features

  • Monthly contribution can be added to lump sum investment or separately prior to rolling over
  • Option of one time roll-over crediting ordinary shares/deposits

Conditions

  • Penalty for early closure- deducted at rate of 1.25%-2%

Plan Details

Category Details
Interest Rate 6% or 1% above Fixed Deposit at a maximum of 6.5%
Investment Period 5 Years
Minimum Payment $50,000.00 with option to save monthly

Features and Conditions

Special Features

  • Interest accumulated quarterly
  • Member can access up to 75% of interest without penalty

Conditions

  • Penalty for early closure (interest will revert/calculated at existing rate paid on ordinary deposits)
  • Investment is taxed (25%)

Plan Details

Plan Name Monthly Premium Individual Benefits
Plan A $422.40 $80,000.00
Plan B $633.60 $120,000.00
Plan C $792.00 $150,000.00
Plan D $1,320.00 $250,000.00
Plan E $2,122.00 $400,000.00
Plan F $3,432.00 $650,000.00
Plan G $5,280.00 $1,000,000.00

Features and Conditions

Special Features

  • One monthly premium covers final expenses for you and up to five eligible family members
  • No medical examination required
  • Lifetime insurance once you enroll before age 76

Who is Covered

  • Spouse/Significant Other or any combination of up to two persons from your parents or parents-in-law (enrolled before 76)
  • Your children (including dependent children under your legal guardianship, 1-25 years old who are not married)
  • Children who are permanently disabled are covered for the duration of their lives once they are enrolled before age 26

Plan Details

Category Details
Interest Rate 3.5% p.a.
Savings Period 1 Year ? 10 Years
Minimum Savings $1500.00

Features and Conditions

Special Features

  • Borrow up to 90% of amount accumulated

Conditions

  • Penalty for closure before maturity- No interest added

Plan Details

Category Details
Interest Rate 4.5% p.a.
Savings Period 5 Years
Minimum Payment $5,000.00

Features and Conditions

Special Features

  • Interest paid twice annually
  • Initial lump sum accepted
  • Attractive tax-free interest
  • Access up to 75% of interest without penalty

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CALCULATORS