The St. Joseph’s Federal Credit Union is a personal loan from St. Joseph’s Federal Credit Union. The ongoing APR is Fixed Rates of 16.00% APR. Approval typically requires a credit score of No credit check or higher. Typical credit limit: Borrow up to $1,200; initial loan amount is $800 and progresses to $1000 and $1200 after at least five months of payments as agreed. Loan terms: Terms up to 12 months (maximum term limit is 12 months); payments must be setup for payroll deduction.