New Applicants
In order to be eligible for our Winter Wonder Line of Credit:
- You must be a full-time employee (32+ hours/week) of Johns Hopkins University or a Johns Hopkins affiliate and provide 2 recent pay stubs.
- You must be able to provide a valid government issues ID—Driver's License, State-Issued ID, and/or Passport.
- You must authorize JHFCU to obtain a current credit report.
- Your JHFCU account must be in good standing (no past-due loans, no negative share account balances, and no previous charged-off loans or shares).
- Your JHFCU account must not be subject to any court-ordered garnishments or wage attachments.
- If you have a JHFCU share draft checking account, you may not have more than nine (9) non-sufficient fund (NSF) items are allowed per calendar year.
Last day to apply: December 12th
Returning Members: Renewing Your Loan
Returning members can access their Winter Wonder Line of Credit funds from October 15th to December 15th! Here's how:
- Online or Mobile Banking — Log in to your JHFCU account and make a transfer from your Winter Wonder Line of Credit account to your checking or savings account. Not enrolled? Register for online banking today.
- Telebranch 24 — Call our automated phone system to make a transfer from your Winter Wonder Line of Credit account to your checking or savings account. You will need your account number and Telebranch 24 PIN.
- Call 410-534-4500 and press 1 to reach Telebranch 24
- Press 1 again to access your account; you'll be prompted to enter your account number followed by the pound sign (#)
- Enter your Telebranch 24 PIN, followed by the pound sign (#)
- Press 3 to make a transfer from a loan account to a share account (checking or savings)
- Enter 90 (loan suffix), followed by the pound sign (#)
- Enter your share account suffix, followed by the pound sign (#)
- Enter the amount you'd like to transfer, followed by the pound sign (#)
- Press 1 to confirm the transfer, and 2 to end the call
- In Person — Visit us at one of our branch locations to make your transfer.
Please note that Winter Wonder Line of Credit transfers cannot be authorized by a representative over the phone.
Contact our Lending Department at ld@jhfcu.org or 410-534-4500 if you have any questions.
Looking for other loan options?
Holiday Loan Need extra cash for the holidays? Borrow up to $1,200 with the flexibility to pay it off over a year.* |
Anything Loan Use our Anything Loan to finance, well...anything! We're here to help where you need us most. |
*APR=Annual Percentage Rate. Restrictions may apply. Rate for this product reflects a 0.5% discount for payroll deduction. Your actual rate may vary. Maximum rate is 13.49% APR. Offer ends December 12th.
**Our daily limit using your PIN is $1,000 and $2,500 for signature based. If you plan to make a larger withdrawal, contact us for a temporary limit increase. There is a nominal fee to process ATM limit increase requests.