The St. Joseph’s Federal Credit Union is a personal loan from St. Joseph’s Federal Credit Union. The ongoing APR is Signature: 10.50% APR (12 months), 11.00% APR (24 months), 12.00% APR (36 months); Last Rate Change Effective: 12/19/2024. Typical credit limit: Borrow from $300.00 up to $7,000.00. Loan terms: Flexible terms up to 36 months; fixed term and fixed rate.