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Design your best life with our Home Equity Line of Credit.

Wayfair

Now you can get as low as 3.49% APR* for 12 months, plus a $250 Gift Card** to Wayfair to take your home renovations to the next level.

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Adulting is hard. Saving doesn't have to be.

Make saving money a cinch with our 7.50% APY*** Savings Account.

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With our new son on the way, we needed to add on to our home. When I found Credit Union of New Jersey, it was perfect timing. I never thought a loan could be so easy. -Trisha, new mother
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Investment & Insurance Services

Ready for the unexpected. Long-term insurance and wealth management strategies so you can invest with confidence.

*

APR = Annual Percentage Rate. Home Equity Line of Credit introductory rate of 3.49% APR is fixed for the first 12 months from account opening. After that, rate is as low as 5.99% APR based on your creditworthiness. This is a variable APR and will be indexed to the Prime Rate as published in the Wall Street Journal. As of 3/20/2019, the Prime Rate is 5.50%. The maximum combined loan to value for all liens is 90%. The maximum line amount for this offer is $500,000 based on loan to value. Payments based on a 15-year repayment period. This offer is limited to new lines only for owner-occupied primary residences. Refinances of existing Home Equity Loans with Credit Union of New Jersey do not qualify for this offer. Homeowners insurance is required. Flood insurance is required where necessary. Initial draw of $5,000 is required; subsequent advances must be at least $500. A fee of $250 will be assessed if the loan is closed within the first 12 months of origination. Outstanding loan amounts of $25,000 or higher within first 90 days of origination qualify for a $250 gift card. Subject to credit approval. Additional terms and conditions apply. Offer may be withdrawn without notice at the discretion of Credit Union of New Jersey.

**

There is no affiliation or relationship between Wayfair and Credit Union of New Jersey.

***

APY=Annual Percentage Yield. 7.5% APY will be paid on the daily balance in your account up to the first $500.00. A dividend rate of 0.05% will be paid only on the portion of your daily balance between $500.01 to $9,999.99 with an APY range for this tier of 7.500% APY to 0.423% APY depending on the balance in the account. A dividend rate of 0.10% will be paid only on the portion of your daily balance between $10,000 and $250,000 with an APY range for this tier of 0.423% APY to 0.113% APY depending on the balance in the account. All rates are subject to change, after account opening, without notice. Maximum deposit amount is $250,000. Membership in good standing and a Regular Share account with a $5 minimum deposit is required. Requires a $50.00 minimum balance. Fees could reduce earnings. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms. APY is effective as of June 1, 2018. One 7.5% Savings account per member.

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