NOTICE

In response to the COVID-19 pandemic, the credit union continues to work with members via phone, fax and e-mail. Members are unable to enter the credit union branch until further notice. Borrowers who have suffered a substantial drop in income as a direct result of the COVID-19 pandemic may be eligible for a 90-DAY loan payment forbearance. Click here to learn more.

San Joaquin Power Employees Credit Union

PG&E credit union since 1934

Online Account Access

Home Loan Policy

All loans are 0/5 Adjustable Rate Mortgages.

Any signer on a real estate loan must be eligible for membership in this credit union.

APR = Annual Percentage Rate
CLTV = Cumulative Loan To Value

INFORMATION SUBJECT TO CHANGE

First Mortgage Owner Occupied
Max. Loaned* Max. Term APR % Max. CLTV%
$510,400 15 Year 2.50% 80%
$510,400 30 Year 2.50% 80%

* The Maximum Loan amount is $484,350 for “most counties.”

First Mortgage Non-Owner Occupied
Max. Loaned* Max. Term APR % Max. CLTV%
$510,400 15 Year 2.50% 70%
$510,400 30 Year 2.93% 70%

* The Maximum Loan amount is $484,350 for “most counties.”

Home Equity Loan-Owner Occupied
Max. Loaned Max. Term APR % Max. CLTV%
$100,000 10 Year 4.00% 80%
$100,000 20 Year 4.00% 80%

 

Solar Home Equity Loan-Owner Occupied
Max. Loaned Max. Term APR % Max. CLTV%
$50,000 10 Year 4.00% 85%
$50,000 20 Year 4.00% 85%

 

Home Equity Loan Non-Owner Occupied
Max. Loaned Max. Term APR % Max. CLTV%
$100,000 10 Year 4.93% 70%
$100,000 20 Year 5.93% 70%

 

Unimproved Property Loan
Max. Loaned Max. Term APR % Max. CLTV%
$50,000 10 Year 5.93% 60%
$50,000 20 Year 6.93% 60%