Refinance your JSC Loan

Select the type of Vehicle
  • Benefits/Good to Know
  • Finance Your Farm Equipment
  • Tools
  • FAQs


  • Competitive interest rates
  • No penalties if you choose to pay off your loan early
  • Low-cost optional payment protection insurance
  • Free online loan calculators
  • Convenient payment options

Good To Know

  • The co-borrower, must be a JSC FCU member.
  • Interest rate is based on the qualified co-borrower - parent, grandparent or legal guardian.
  • Loan qualification is based on the parent, grandparent or legal guardian.
  • The co-borrower may choose the name(s) listed on the title. (Both the borrower and co-borrrower or one or the other.)

Finance Your Farm Equipment

JSC FCU offers extremely competitive interest rates and terms for both new and used vehicle. Use this guide to apply for a loan, find your vehicle and to finalize your loan – we even explain the process in between so you know exactly what’s needed to expedite the process. 

Use the print icon located at the top right to conveniently print the provided information.

  • What you will need to provide at application:
    • Personal contact & employment Information
    • Proof of Income
      • W2
      • Pay Check Stub
      • Self Employed: Two years of tax returns
    • Collateral Information (Optional) list specific information including Loan Type
      • VIN Number
      • Year/Make/Model
      • Mileage
      • Color
      • Features
    • Loan Term
    • Amount Requesting if adding on to your loan
    • Down payment (if applicable)
  • Member will receive a pre-approval letter (email for online apps) from a loan officer/processor. This will be your point of contact for your loan closing.
Prior to Loan Closing
  • For online closings,
    • If there is a change in ownership, Member will be emailed a Power Of Attorney (VTR-271 ) form to be signed and notarized by all parties listed or are being added to the title. Because the State requires original signatures, the POA form should be mailed or dropped off in person to your loan processor.
    • The copy of the registration is required if there is a change in ownership. 
    • Email/fax State Issued Photo ID Must be current (All parties listed on title)
  • For in-branch closings, member should contact their loan officer to schedule a closing appointment.
In-Branch Loan Closing
  • Member and all parties listed on the title must be present.
    • Documents to bring to closing
      • Insurance ID Card
      • Current State Issued Photo ID€“ (All parties listed on title)
  • Member chooses optional products:
    • Credit Life / Disability Insurance
  • Member chooses payment options
    • Mail payment coupons
    • Scheduled Transfer
    • ACH payments (from another financial institution)
    • Electronic Transfer




How many years can I finance an farm equipment loan?

You may be able to finance an farm equipment loan for up to 15 years. Please contact a JSC FCU representative for more details.

When can I refinance my current JSC FCU farm equipment loan?

The loan will need to be financed with JSC FCU for at least 1 complete year in order to refinance.

How much does it cost to refinance my current JSC FCU farm equipment loan?

There is a no refinance fees to refinance a farm equipment loan.

Is there a pre-payment penalty on farm equipment loans?

No, you may pay your loan off at any time.

How is interest calculated on a farm equipment loan? 

Divide the interest rate by 365 days (# of days in a year), multiply by the principal balance (this gives you the per diem), then multiply that by the number of days from payment to payment. Interest is calculated daily on the unpaid principle balance of the loan.

Do you offer credit life and disability insurance on farm equipment loans? 

Yes, we offer credit life and disability insurance on our farm equipment loans.

How do I know if my loan is approved?

You will be contacted by the loan officer assigned to your application.

How long does it take to get a loan approved once the application has been turned in?

Loans are typically approved the same day.


Locate a Surcharge Free ATM or Shared Branch

eBanking Login