Financial Tools
For every need, there’s a way we can help.
Financial education will turn your financial challenges into opportunities.
With our help you can take ownership of your financial wellbeing today.
It's time to take control.
What do our members
say about us?
Your wallet just got smarter.
You’re smart. Now your wallet is, too. With our suite of digital wallet-ready cards, security and intelligence go wherever you go. Harness the power of seamless transactions with a touch in your favorite wallet app.
Go from someday to today's the day.
Look no further than Zelle® to:
- Send money to friends and family easily.
- Settle up or split tabs with friends regardless of where they bank⁷.
- Send or receive money right from your Credit Union of New Jersey mobile app or e-Banking account.
Ready for the unexpected. Long-term insurance and wealth management strategies so you can invest with confidence.
Our numbers don’t lie.
Because we’re a not-for-profit financial institution, we are always laser-focused on serving our members and our community. We can reduce our fees, provide excellent service and ensure you directly benefit from our competitive lending and deposit rates.
Here are a few ways we've directly impacted the lives of our members and community:
(as of December 2024)
(2022-2024)
$
(2015-2024)
$
from lower fees
$
household savings
$
$
(2021–2025)
$
(2022–2023)
$
We have our sights set even higher.
Ready to join Credit Union of New Jersey?
Membership has its discounts.
Enjoy savings at hundreds of retailers, restaurants and services.
APR = Annual Percentage Rate. All rates are subject to change without notice and based on credit history. Minimum loan amount of $8,000 required for 60-month terms, $15,000 for 72-month terms and $20,000 for 84-month terms. Payment examples are per $1,000 borrowed for model years 2020 – 2025: Rates as low as 5.49% for 84 months = $14.37; as low as 5.24% for 72 months = $16.22; as low as 4.99% for 60 months = $18.87; As low as 4.74% for 48 months = $22.92; as low as 4.49% for 36 months = $29.75; as low as 4.24% for 24 months = $43.54. Other rates and terms available. Member eligibility required. Refinancing available for financing from another lender. Rates are effective May 1, 2025.
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 this calendar year. 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.
APY = Annual Percentage Yield. Rate is effective as of June 1, 2025, and is subject to change without notice. Penalty for early withdrawal may apply. Fees could reduce the earnings. A $5 Membership Account is required for this promotion. New money only. One certificate, business certificate or IRA certificate per person with a minimum deposit of $500 and a maximum deposit of $500,000. The 7-month certificate will renew as a 12-month certificate at the end of the 7-month period.
Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. A $5 deposit is required to open the account. At least 1 Direct Deposit, ACH credit, ACH payment or bill pay transaction(s) is required each monthly qualification cycle. Enrollment and agreement to receive e-statements and at least 12 PIN- based / signature-based debit card purchases are conditions of this account each qualification cycle. When your monthly Kasasa Cash account qualifications are met, daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 5.98% resulting in an APY of 6.00%; and daily balances over $25,000 earn a dividend rate of 0.75% on the portion of the daily balance over $25,000, resulting in a range from 6.00% to 1.80% APY depending on the account’s daily balance. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.01% resulting in an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded. You will receive reimbursements up to an aggregate total of $25 for nationwide foreign ATM withdrawal fees incurred within your Kasasa Cash account during each monthly qualification cycle when qualifications are met. A foreign ATM fee reimbursement cap of up to $4.99 per transaction applies when qualifications are met. Limit of one account per member. Terms subject to change at any time. APY effective date 9/01/2023. Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
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.
APR = Annual Percentage Rate. APR is subject to change without notice. The variable APR applicable to your account will be indexed to the Prime Rate as published in the Wall Street Journal. As of December 19, 2024, the current Prime Rate is 7.50%. The maximum combined loan to value for all liens is 80% to receive a rate as low as 7.99% APR and is 90% to receive a rate as low as 8.99% APR. APR that can apply is 18.00% or the maximum permitted by law, whichever is less. APR may vary depending on credit history. Homeowners insurance is required. Flood insurance is required where necessary. Member eligibility required.
Must have a bank account in the U.S. to use Zelle.
