It's time to meet your best financial self.
Financial well-being starts with freedom—the freedom to dream, to bounce back, to build a strong future for your loved ones. At Credit Union of New Jersey, we provide the financial tools and support you need to prosper.
The freedom to prosper.
Discover your financial Zen.
Credit card debt makes an impact on your well-being. Now is the time reclaim your financial inner peace. Borrow up to $25,000 with no collateral needed to pay off credit card debt (or use the money for anything else) and get a rate as low as 7.24% APR². That’s less than half the rate of most credit cards. Now breathe and go prosper.
Where you live can help you live better.
With a Home Equity Line of Credit, you have access from $5,000 to $500,000 cash for renovations, debt repayment, emergencies—whatever you need, whenever you need it. Best of all, you only accrue interest make payments on the amount you’ve drawn from your line.
How a Home Equity Line of Credit works:
Chances are your home is worth more than it’s ever been. You can use the equity in it to open a line of credit, which offers instant money whenever you need it—up to $500,000!
Once you have that line of credit, you don’t pay or owe anything on it unless you actually use it (that includes interest charges). Your home secures the money, it’s up to you what to do next.
With rates significantly lower than a credit card and repayment up to 15 years, a HELOC can help you turn a financial corner without leaving the house.
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 this calendar year. 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.
Annual Percentage Rate (APR) effective as of October 1, 2022. Subject to credit approval. Financing available up to 60 months. Rates as low as 7.24% for 36 months, 8.24% for 48 months, and 9.24% for 60 months. Rates are based on credit worthiness. Payment amount is determined by APR and term. The loan payment is $30.99 per $1,000 borrowed at 7.24% for 36 months. The loan payment is $24.53 per $1,000 borrowed at 8.24% for 48 months. The loan payment is $20.88 per $1,000 borrowed at 9.24% for 60 months. Rates subject to change at any time. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group.
Mastercard Credit Card
Average credit card interest rates in the United States as of 12/13/22 is 22.91%. Credit card data compiled from Lending Tree.
Mastercard Credit Card
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 12.65% to 18.00% variable, based on creditworthiness. This rate will vary with the market based on the Prime Rate. Member eligibility required. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group. Membership deposit of $5.00 is required at all times in Main Share Savings Account.