Money Matters Spring 2022

410-534-4500 | 1-800-JHFCU-70 jhfcu.org Flexible Financing for Almost Anything Improve your home and your finances with a low-rate Home Equity Line of Credit o r Home Equity Loan . Tap into your equity to access low-cost funds and take advantage of our no closing cost option* and easy application. You can make energy-efficient upgrades, pay for large or unplanned expenses, or even consolidate high-interest debt to give your budget some breathing room. Log in to Online Banking to apply today! JHFCU can finance your Home Equity Line or Loan in Maryland, Virginia, Washington, D.C., Delaware, and Pennsylvania. Looking to retire your mortgage earlier and save at the same time? Check out our Home Free Home Loan . Here’s what one of our members had to say recently: “Customer Service was excellent. The Home Free program was exactly what we were looking for to get rid of our mortgage insurance and pay our mortgage off in a shorter time.” – D.T. (January 2022) *The closing costs will be added back to the loan payoff balance if the loan is paid off within the first three years and are only paid by JHFCU one time per property. For the home equity line of credit, the closing costs will be paid by JHFCU provided you take a minimum $10,000 draw at closing. For the home equity line of credit, the annual percentage rate (APR) is subject to a floor rate. Rates determined by an evaluation of the applicant’s credit and loan-to-value. Your actual rate may vary. Maximum rate is 18% APR. Rates can change monthly and are based on the Prime Rate as published in the Wall Street Journal on the 25th of the month. Property and flood insurance may be required. SPRING 2022 JOHNS HOPKINS FEDERAL CREDIT UNION Take Care of Home Repairs Make Large Purchases Go On a Well-Deserved Vacation Pay Off High-Interest Credit Cards Low Rates and No Closing Costs! * Express Auto Refinancing is putting you in the driver seat to take control of how you can SAVE more MONEY! On average members are saving $2,000, and the process is EASY! Scan the code to get started.