energY

You may not have established credit, and we get that.  So we created loan products that will allow you to get the funds you need now, all while building a positive credit history for future purchases.

Shout back at us and let us know what loan solution works best for you...

First-Time Auto Buying Program
Whatever your situation, you can depend on JSC FCU to find the right financing program for your first vehicle purchase.  We offer first-time auto buying loans that are specifically designed for individuals who either have no credit history or who are trying to build credit.  Click here to learn more...

energY VISA Credit Card
Energize your credit with style!  Our VISA Credit Card comes with a low fixed interest rate and has no hidden fees. Apply online or visit a branch location and see how easy it can be to start building your credit.

Share Secured Loans and Share Certificate Secured Loans
Got assets?  We say use them!  If you have existing funds in a savings account or in a share certificate, you can use those funds to secure a loan for the things you need right now.  Apply online or visit a branch location to get started!

Specialty Loans & Lines of Credit
Whether you need money for a new computer, some quick cash for an emergency, or to take that vacation overseas you’ve always dreamed about, we have a loan product that will meet those special wants and needs.  Apply online or visit a branch location to get started!

energY Loan 
Cover those unexpected expenses with this signature loan.  You’ll get a great low rate with easy terms. Apply online or visit a branch location to get started!

EZ Cash LOC 
Make your occasional need for extra cash easy and convenient with this line of credit loan.  Apply online or visit a branch location to get started!

CU Abroad Loan
Always wanted to travel abroad?  We’ll make it happen!  If you’ re within 1 year of graduating from high school or college, let us help you turn that dream trip into a reality! Apply online or visit a branch location to get started!

Grad Cash Loan
Graduation is an exciting time, but also one of the most expensive.  If you are within 1 year of graduating from high school or college and need help with graduation related expenses, then this loan is for you. Apply online or visit a branch location to get started!

Gadget Gear Loan
Need a new computer,  camera, or perhaps a new video game system?  Whatever gadget you want, we can help you get it.  Please note that this loan is only available twice a year, from January 1st - February 28th and from August 1st - September 30th.