Products
South Jersey Federal Credit Union offers a variety of loan programs to meet your needs. We will help you find what's best for you.
 
30 Year Fixed Rate
20 Year Fixed Rate
15 Year Fixed Rate
7/1 ARM
5/1 ARM
3/1 ARM

Rates last updated on Monday, August 24, 2020

30 Year Fixed Rate
Term: 30 years   Maximum Amount: $510,400
RatesAPRPoints
3.25%3.307%0%

20 Year Fixed Rate
Term: 20 years   Maximum Amount: $510,400
RatesAPRPoints
3.125%3.204%0%

15 Year Fixed Rate
Term: 15 years   Maximum Amount: $510,400
RatesAPRPoints
2.75%2.852%0%

7/1 ARM
Term: 30 years   Maximum Amount: $510,400
RatesAPRPoints
3.125%3.647%0%
 
The initial interest rate remains the same for the first seven years. After seven years the rate is reset. The reset rate remains the same for one year and will reset each year for the remaining life of the loan. The rate can change a maximum of 5% on the first rate reset. On each annual rate reset thereafter the rate can change a maximum of 2%. The maximum rate increase for the life of the loan is 5%.

5/1 ARM
Term: 30 years   Maximum Amount: $510,400
RatesAPRPoints
3%3.711%0%
 
The initial interest rate remains the same for the first five years. After five years the rate is reset. The reset rate remains the same for one year and will reset each year for the remaining life of the loan. The rate can change a maximum of 2% on the first rate reset. On each annual rate reset thereafter the rate can change a maximum of 2%. The maximum rate increase for the life of the loan is 5%.

3/1 ARM
The initial interest rate remains the same for the first three years. After three years the rate is reset. The reset rate remains the same for one year and will reset each year for the remaining life of the loan. The rate can change a maximum of 2% on the first rate reset. On each annual rate reset thereafter the rate can change a maximum of 2%. The maximum rate increase for the life of the loan is 6%.

Term: 30 years   Maximum Amount: $510,400
RatesAPRPoints
2.875%3.799%0%



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $200,000 with closing costs of $1,650. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $10,000. Your actual APR may be different depending upon these factors.