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Savings & Checking

Share Savings and Checking Accounts with Purchase Rewards for cash back opportunities.

Financial security is at your doorstep.

Opening a Home Equity Line of Credit creates a smart financial safety net for you and your family. You'll have money ready at a moment's notice and won't pay a dime until you withdraw funds. When you do start paying it down, you’ll get an outstanding APR as low as 3.49%1 for the first 12 months.

And every qualifying HELOC comes with a bonus $250 gift card to Lowe's2, giving you a head start on a few DIY projects while you're stuck at home.

Apply for a HELOC Today

Save money now with no payments for 90 days.3

Refinancing your car loan from another lender is one easy, smart way to save money. You won't make a payment for 90 days, and you may even be able to lower your monthly payment—an added bonus.

Plus, you can choose from terms up to 84 months and qualified buyers pay as little as $0 down.

Apply for an Auto Loan Today
Investment & Insurance Services

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1

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 3.74% 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 3/16/2020, the Prime Rate is 3.25%. 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 Offer may be withdrawn without notice at the discretion of Credit Union of New Jersey.

2

There is no affiliation or relationship between Lowe’s Companies, Inc. and Credit Union of New Jersey.

3

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 2020. 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.

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