LOANS for home or on the road
We’ll get you on the road, wherever you want to go and get you home safely. Whether that’s by car, boat, motorcycle, or RV, a Jax Fire CU vehicle or personal loan offers great rates and flexible terms. We’ll help you buy new or used, or refinance your current loan. While we're transitioning to new Online Banking, please call or visit in person to apply.
AUTO - NEW & USED
Whether you want the latest and greatest or don’t need all the bells and whistles, get the financing you need at a budget you can afford
BOAT LOANS - NEW & USED
Make the journey safe & unforgettable. When you’re longing for the open water our loans can make it happen.
RECREATIONAL VEHICLES
Our large and small RV Loans cover the entire range of recreational vehicles, from motorhomes to great motorcycle loan rates. We right RV financing option for you.
SHARE SECURED LOANS
Borrow against the funds in your Share account or CD, at a low rate, while still earning interest on your deposit and build your credit.
PERSONAL LOANS
Flexible financing for whatever opportunities come your way. Realize your goals with affordable options and an easy online application.
BEfore You Apply...
Auto Sales
Eligibility Requirements
- Vehicle must be registered/titled in the state of Florida
- Vehicle must be free of any liens
- Vehicle must be less than 15 years old
When you apply, be sure to provide your Buyer’s Order.
Going through a private vehicle seller?
Boat Sales
Eligibility Requirements
- Boat must be registered/titled in the state of Florida
- Boat must be free of any liens
- Boat must be less than 15 years old
- Less than 25 feet
When you apply, be sure to provide your Buyer’s Order.
Going through a private boat seller?
RV Sales
Eligibility Requirements Coming Soon!
Applications for out-of-state or non-registered/titled vehicles and boats will be declined.
REPAYMENT METHODS
The City of Jacksonville is implementing changes to its payroll systems for Active-duty employees. As a result, JFCU will no longer process payroll allocation requests. Any existing allocations will be canceled.
We have options…pick one that is best for you:
Online Banking
Make one-time payments or enroll in recurring payments from your Jax Fire Savings/Checking account.
JFCU Telephone Banking (Sparky)
Make one-time payments from your Jax Fire Savings/Checking account. 904-353-4788 Option 2.
Online Payment System
Set up one-time or recurring automatic payments using another financial institution's debit card. There is a $4.95 fee per transaction.
Payments by Mail
A coupon book can be created for you, and you can conveniently mail a coupon monthly with your payment. Call us at 800-566-1533.
Jax Fire Credit Union
ATTN: Payment Processing
2205 Haines Street, Jacksonville, FL 32206
Bill Pay From Another Financial Institution
This requires enrollment in a Bill Payment Program through a separate Financial Institution.
NEW AUTO
as low as
USED LOANS
as low as
VISA CREDIT CARD
as low as
SIGNATURE LOAN
as low as
LOAN RATES
Rates Effective October 1, 2025.
| NEW VEHICLES | |
|---|---|
| Term | APR* As low as |
| 36-60 Months | 4.40% |
| 61-84 Months | 5.40% |
| USED VEHICLES | |
| 36-60 Months | 4.90% |
| 61-84 Months | 5.90% |
| RVs, Boats, Motorcycles, and ATVs | |
|---|---|
| Term | APR* As low as |
| 36-60 Months | 5.40% |
| 61-96 Months | 6.40% |
| 97-120 Months | 7.40% |
| Additional Loan Rates | ||
| Loans | Term | APR* As low as |
| Signature Loan | 36 Months | 8.4% |
| Signature Loan | 72 Months | 9.4% |
| Signature Loan | 84 Months | 11.4% |
| Shares (fully secured) | n/a | +2% above savings rate – 3.5% floor |
| Share Certificates (fully secured) | n/a | +2% above savings rate – 3.5% floor |
| Visa Gold Card (Class A rate) | n/a | 8.64% |
| Visa Gold Card (Standard) | n/a | 13.92% |
| Paramedic Loan (EMT) | Up to 60 Months | 8.40% |
*APR = Annual Percentage Rate. Rates Effective December 16, 2025. All rates are subject to change without prior notice. All rates are based on an evaluation of the member’s individual credit history. A payment example is $10,000.00 financed for 60 months at 6.09% is approx. $194.23. Your actual rate and payment may vary. All rates and terms are subject to conditions and certain restrictions may apply.
