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Now offering Online Skip-a-Pay and Loan Payments

Defer your next monthly loan payment from the comfort of your home and conveniently make a loan payment from an outside account with our new online Loan portal.

Savings & Checking

Share Savings and Checking Accounts with Purchase Rewards. Don't forget retirement. Earn $25* for referring new members to us.

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Auto Loans + Refinacing

Fuel your other plans.

You’ve got too much going on to worry about your auto loan payment. Save money each month with rates as low as 0.99% APR¹ and no payments for 90 days², giving you the funds for all your other plans.

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Lifestyle Loans

Merry, bright and stress-free holidays

The holidays are meant to be a time of joy, not a season of financial worries. With our Lifestyle Loan, you’ll get money for the holidays now and can even save some for later. If you need to and can afford to, borrow up to $25,000 at a fixed rate as low as 6.24% APR³ and a fixed term up to 60 months.

Apply for a Lifestyle Loan
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Investment & Insurance Services

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

¹

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 75-month terms and $20,000 for 84-month terms. Payment examples are per $1,000 borrowed for model years 2017 – 2021: 84 months = $12.33; 75 months = $13.76; 60 months = $17.09; 48 months = $21.26; 36 months = $28.21. Other rates and terms available. Member eligibility required. Refinancing available for financing from another lender.

²

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 2021. 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..

³

Annual Percentage Rate (APR) effective as of July 1, 2018. Subject to credit approval. Financing available up to 60 months. Rates as low as 6.24% for 36 months, 7.24% for 48 months, and 8.24% for 60 months. Rates are based on credit worthiness. Payment amount is determined by APR and term. The loan payment is $30.54 per $1,000 borrowed at 6.24% for 36 months. The loan payment is $24.07 per $1,000 borrowed at 7.24% for 48 months. The loan payment is $20.40 per $1,000 borrowed at 8.24% 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.

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