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.

family with laughing kid

The freedom to prosper.

Lifestyle Loans Borrow up to $25,000. Know exactly what your monthly payments are.
Lifestyle Loans

Discover your financial Zen.

Borrow up to $25,000
No payments for 90 Days¹

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.


No Payments for 90 days¹

Defer the first three months of payments¹, putting extra cash in your pocket.


Rates at a fraction of what credit cards charge

With credit card rates the highest they've been since 2019*, a low-rate Lifestyle Loan is a smarter and more affordable solution.


Borrow up to $25,000

Whether you’re looking for a fresh start or to fund an inspired idea, you can get up to $25,000 for anything you need.

“My loan representative…was extremely helpful and knowledgeable, which made applying for this loan effortless. She guided me through every step of the process and was patient with me.”

Takesha R.
October 2022

“…I like the fact that the team members at the credit union are so caring. They are great listeners and always willing to help you get to the bottom of your issues until they reach a resolution.”

Jean L.
November 2022

“CUNJ was very attentive and prompt when it came to meeting my need. I highly recommend CUNJ as a people-friendly bank that makes you feel like family!”

October 2022

Trust Pilot
Three reasons to heart your Lifestyle Loan (desktop)
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The Debt Destroyer

Take care of that high-interest credit card debt (and the minimum monthly payments) once and for all. With a Lifestyle Loan, you can consolidate that debt into one manageable monthly payment.

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Real Life Rebound

The start of the year always adds up—especially with families in tow. A Lifestyle Loan secures you up to $25,000 to get back on your financial feet at an affordable pace you’re comfortable with.

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Unexpected Cash Emergency

A Lifestyle Loan is a far smarter (and cheaper) choice than turning to predatory payday lenders when you need cash. You’ll pay a fraction of the interest they’d end up charging you with no hidden fees.

Home Equity Line of Credit

Where you live can help you live better.

Repayment up to 15 Years
Borrow up to $500k

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.

Home Equity Line of Credit Borrow anywhere from $5,000 - $500,000. Get the funds for: Renovations, Debt Consolidation, Emergencies, and so much more.

How a Home Equity Line of Credit works:

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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!

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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.

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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.

Platinum Mastercard® image of a credit card screen
Platinum Mastercard®

Ready when you are.

2.99% APR⁴ for the first year with rates between 13.15% and 18.00% variable APR⁴ after that.

Our Mastercard is more than a credit card. It's a tap-to-pay grocery run. It's an emergency fund. It's new back deck furniture and a last-minute birthday surprise. It's whatever you need right when you need it.

Lifestyle Loans


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 13.15% 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.

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