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SJP Federal Credit Union

Where people are worth more than money!

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Automobile Loans as low as:

Model Yr 2023-25 (48 months):  5.24% APR*
Model Yr 2023-25 (60 months):  5.49% APR*
Model Yr 2023-25 (72 months):  5.74% APR*
Model Year 2023-25 (84 months):  5.99% APR*

Model Yr 2019-22 (48 months):  5.49% APR*
Model Yr 2019-22 (60 months):  5.74% APR*
Model Yr 2019-22 (72 months):  5.99% APR*

*Save an additional 0.25% with 25% equity in vehicle!  **We finance all model years.  Call the office or apply online for terms on older model year vehicles.

Home Equity Loans as low as:

60 Month Fixed Rate Home Equity (2nd Position):  5.74% APR*
144 Month Fixed Rate Home Equity (2nd Position):  6.24% APR*
240 Month HELOC (2nd Position):  7.50% APR (Prime Rate +0, Variable Rate)**
240 Month HELOC (1st Position):  7.25% APR (Prime Rate -0.25, Variable Rate)**

** Prime rate is 8.50% effective January 22, 2025 as published in the Wall Street Journal. The maximum ANNUAL PERCENTAGE RATE that can apply is 5% over the original rate. You must pay certain fees to third parties to open the plan. These fees generally total between $477.00 and $1,127.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.

Unsecured Loans as low as:

Consolidation Loan: 9.00% APR*
Signature Loan: 9.99% APR*
Line of Credit: 13.24% APR*

Recreational/Boat/RV Loans* as low as:

Motorcycle Loans:  *** Call the office for our current rates! ***
Boat Loans: *** Call the office for our current rates! ***
Non-Titles Rec Vehicle: *** Call the office for our current rates! ***

*Annual percentage rates, all loans subject to approval, rates may vary from those listed based on term and credit qualifications. Other rates and terms available. Special promotional rates may apply. Rates are current as of January 22, 2025.  Please call the office for details.

Equal Housing Lender 100

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Contact

341 Englewood Avenue
Buffalo, New York 14223
Phone: (716) 833-9670
Fax: (716) 832-1687
Email: contact@sjpfcu.org
Report a Lost or Stolen Card
VISA Debit Card: 1-800-543-5073

Office Hours

Monday........... 9AM - 2PM (*4:30pm)
Tuesday.......... 9AM - 2PM (*4:30pm)
Wednesday..... 9AM - 2PM (*4:30pm)
Thursday......... 8AM - 6PM
Friday.............. 8AM - 6PM
Weekends....... Closed
*Extended Drive‐Thru Hours

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