Relief solutions designed for now.

Let's get you back to better than normal.

With three proven tools for financial relief at rates and terms to save you money and stress, it’s time to regain your financial freedom.

Discover a solution that works for you:

Lifestyle Loans

Merry, bright and stress-free holidays.

No payments for 90 days1
Borrow up to $25,000

The holidays are meant to be a time of joy, not a season of financial worries. But ongoing stress from the pandemic and resulting economic uncertainty may leave you wondering how to give your family a wonderful holiday and still pay for it all. Instead of pulling out your credit card, let our fixed-rate Lifestyle Loan grant you the funds you need and reduce the stress you don't.

Low-rate MasterCard®

The buying power (or credit line) you need at an incredible rate.

2.99% APR2 for 12 months
Credit limit up to $25,000

Here is a Platinum MasterCard® with a 2.99% APR2 for the first year you have it and with rates between 8.15% and 16.15% variable APR2 after that. This could be just the tool you need to bridge the budget gap each month or to transfer higher-rate credit card and loan balances over to so that you pay less each month in interest.

Auto loans and refinancing

Purchase or refinance and drive back to better.

Rates as low as 2.99 APR3
No payments for 90 days4

Put your life back in gear with a low-rate auto loan and pay nothing for 90 days4. Bring us your current auto loan from another lender and reap these same benefits, immediately freeing up cash for yourself.

1

Each Lifestyle Loan closed during this promotional period will make no payments for 90 days. Accepting the terms of "no payment for 90 days offer" will extend the maturity of your loan for at least 90 days but less than 110 days. If accepting the delayed first payment, you will not be eligible for any other skipping/delaying your payment during 2020. Interest will accrue during this period. Loan amounts of up to $25,000 are available. Processing fee of $35 will apply. All loans are subject to credit approval.

2

Introductory rate of 2.99% APR (Annual Percentage Rate) applies to the first 12 billing cycles and is subject to credit approval. Thereafter, APR is 8.15% to 16.15% variable, based on creditworthiness. This rate will vary with the market based on the Prime Rate. Membership eligibility required. Membership deposit of $5.00 is required at all times in Main Share Savings Account.

3

APR = Annual Percentage Rate. Annual Percentage Rates are subject to change without notice. Certain restrictions may apply. APR may vary depending on individual credit history and age of vehicle. All loans are subject to credit approval.

4

Valid on new and used auto loans. Each auto loan closed during this promotion period will make no payments for 90 days. Accepting the terms of “no payment for 90 days offer” will extend the maturity of your loan for at least 90 days but less than 110 days. If accepting the delayed first payment, you will not be eligible for any other skipping/delaying of your payment during 2020. Interest will accrue during this period. Payments made through payroll deduction or automatic payment will be deposited into your account for the time you are skipping/delaying your payment. Refinances from existing CU of NJ loans do not qualify. All loans are subject to credit approval. Certain restrictions may apply. This offer can be discontinued at any time.

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