Need extra money? STJ makes it easy with a Personal Loan that can help with everyday situations, like school expenses, vacation, cash management, home improvements, special events, or unplanned expenses. See Current Rates.
- No collateral needed
- Borrow from $300.00 up to $7,000.00
- Flexible terms up to 36 months
- Competitive interest rates based on the term
- Credit Life & Disability Insurance is available
- Budget easily with a fixed term and fixed rate, and know exactly what you're paying each month
- Secure the money you need today - Apply 24 hours a day online
STJ's Savings or Certificate account-secured loans are a cost-effective wayto obtain the cash you need to meet your financial needs without raiding your savings. So while leaving your savings in place, you continue to earn interest, while you taking advantage of using the loaned funds! See Current Rates.
*"Pledging" means you may not withdraw the pre-specified amount until your loan is repaid.
- Loans secured by a corresponding balance in a share account
- Terms up to 60 months
- Competitive, fixed interest rate
- As the loan balance drops, the secure portion of the accounts is available for withdrawal
- Does not tie up a car title or other collateral
- Helps members trying to establish credit