Click here for details

This is dependent on the type of loan being applied for.

Yes. We do accept 2nd mortgages.

All parties whose names appear on the Title must be present at the interview.

Yes.

This is provided on a checklist readily available here:
Car Loan Application
Mortgage Information/Checklist
Home Equity Mortgage Information/Checklist

Each application will be considered on its own merit; please contact your local Branch for details.

We will assess your debt service ratio (DSR) to see if you can afford the monthly payments. Your debt service ratio is your total loan repayments divided by your total monthly gross salary.

We will also look at your credit history with the credit union or other financial institutions to determine credit worthiness. For further information speak with one of our Loans Officer

• For an easy self-assessment; please use our loan calculator here

We accept motor vehicles up to 15 years old once it can be comprehensively insured.

Yes; this will depend on whether all required conditions are satisfied. Contact a loans officer for details.

Once the first payment is made, if you die or become permanently disabled, the goal is automatically payable in full. Conditions apply.

• The insured ceases to be a member of the Credit Union
• The deposit is over 60 days delinquent
• The insured reaches age 70 or the goal is reached
• The insurance benefits are paid

For death or total and permanent disability caused by the following:

1. • Involvement in criminal activities
   • Insured’s beneficiary’s intentional behavior, including drugging or murdering
   • Suicide within the first two years of insurance
   • Self-inflicted disabilities
   • Health conditions as stated in the contract which existed before the contract date

Yes; up to 90% of the amount saved

• The FIP is an insurance that covers up to six eligible members of a family including the member, upon death for one affordable monthly premium.

Any member of the policyholder’s family which includes:

1. • Spouse- married or unmarried
   • Any two parents - biological parents, parents-in-law or step-parents who have not yet attained age 76 at the time of enrollment
   • Children of the member - biological or legally adopted children who have reached age 1 up to 26 years and are unmarried
   • Children who are permanently disabled if enrolled prior to age 26 will be covered for the duration of their lives

You can check your account balance at any time using the I-Link App. Simply log in with your credentials to view your available balance and recent transactions.

If your ATM card is lost or stolen, please visit the nearest branch as soon as possible to request a replacement.

Our branch opening hours vary by location:
• Kingston, Mandeville, Montego Bay, and St. Mary: Open Monday to Friday at 8:30 AM.
• Portmore: Monday to Friday at 9:30 AM and 1:30 PM on Saturdays.
Please note that hours may vary on public holidays.

You can check your loan balance in the following ways:
• Log in to the I-Link App
• Call our Customer Service team
• Visit your nearest branch and speak with a representative.

Yes, you can pay off your loan before the scheduled end date. There are no penalties or extra fees for early repayment.

Yes, you can apply for a moratorium for up to 3 months.

A late fee of $2,500.00 is applied to overdue loan payments. To avoid this fee, ensure that your payments are made on or before the due date each month.

To update your contact information, you can either:
• Call our Customer Service team
• Visit the nearest branch
Keeping your contact details up to date ensures you receive timely notifications and account updates.

Yes, your debit card can be used internationally for purchases and ATM withdrawals.

ATM services are currently available at our Kingston Branch and NPCJ Agency locations. These ATMs provide convenient access to cash withdrawals, balance inquiries, and other basic banking services.