ODJFS Federal Credit Union

Our credit union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If for some reason, you are using a screen reader or other auxiliary aid and are having problems using this website, please contact Lynnet Simpson at (614) 237-3200. All products and services available on this website are also available at all of our branches. If you need more personal assistance in reviewing what we have to offer or taking advantage of our products and services, and prefer not to visit one of our branches, just give Lynnet a call. Lynnet is happy to talk with you to ensure that you can learn about and take advantage of all the products and services we offer.

Loans

ODJFS Federal Credit Union offers many types of loans at very affordable rates! Simply click on GET LOAN APPLICATION below, complete the form then fax to (614) 237-3210 or email to info@odjfscu.com along with proof of income.

Auto Loans
Borrow Tier
Debt-to-Income Ratio
Credit Score New Auto Rate Used Auto Rate RV Loan Rate Total Secured
Loan Limit
A - 45% 700 and Above 3.25% 3.75% 5.25% $60,000*
B - 43% 640 - 699 5.25% 5.75% 7.25% $50,000
C - 40% 580 - 639 10.25% 12.75% 9.25% $40,000
D - 40% Under 580 12.25% 15.75% 17.25% $30,000
New and Used Auto Loan Terms All Tiers: Loan to Value on Autos is 100% of the lower of Sales Price or NADA Retail plus tax, tag, title and fees.
2009 and Older 24 months
$0 - $7,500 36 months
$7,501 - $15,000 48 months
$15,001 - $25,000 60 months
$25,001 and Up 72 months
Recreational Vehicles Terms (Camper, Boat, Motorcycle, ATV) All Tiers: Loan to Value on RV's is 90%.
2009 and Older 24 months
$0 - $7,500 36 months
$7,501 - $15,000 48 months
$15,001 - $25,000 60 months
$25,001 and Up 84 months
Share Secured Loans**
Amount Rate Term
$300 and Up 5.00% Up to 84 months
1 year Term Increase Available for 2.00%
**Not Subject to Risk-Based Pricing
Unsecured Signature Loans
Borrow Tier
Debt-to-Income Ratio
Credit Score Unsecured
Limit
Unsecured
Rate
Usecured
Term
A - 45% 700 and Above $10,000 14.25% 48 months
B - 43% 640 - 699 $5,000 15.25% 36 months
C - 40% 580 - 639 $2,000 16.25% 36 months
D - 40% Under 580 $1,500 18.25% 24 months
Visa Credit Card
Borrow Tier
Debt-to-Income Ratio
Credit Score Visa Rate
A - 45% 700 and Above 14.99%
B - 43% 640 - 699 18.99%
C - 40% 580 - 639 22.99%
D - 40% Under 580 24.99%***
***Must be Secured, minimum $300

Lazarus Building
50 W. Town St.
5th Floor Rm# B502
Tuesday (8:30am - 1:00pm)
Ph. (614) 752-3669

Main Branch
4020 E. Fifth Ave.
Mon.-Fri. (8:30am - 3:30pm)
Ph. (614) 237-3200
Fax. (614) 237-3210

State Office Tower
30 E. Broad St.
31st Floor
Mon. and Fri. (8:30am - 1:00pm)
Ph. (614) 224-0141