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Important update to our ATM Network: Effective March 1, 2023, we no longer participate in the Allpoint ATM Network. You still have access to 30,000+ surcharge-free ATMs within the Co-op ATM Network.

We’re hiring! Check out a list of open positions here.

Your funds deposited with Credit Union of New Jersey are safe, secure and insured.

Credit Cards

The best to know when you’re on the go.

Our Mastercard® Credit Cards are such great financial tools. They can be used for everyday purchases, they’re very handy when it comes to emergencies, and they can even help you improve your credit score if used wisely.

Here’s how our cards stack up:

Card Comparison chart
Type of Card Platinum Platinum Rewards Student Secured
New Account Special Offer 2.99% APR¹ for 12 months on Purchases, Balance Transfers, and Cash Advances 5,000 Bonus Points² N/A N/A
Reward Points N/A 1 point for every dollar spent in purchases N/A N/A
Pricing & Terms
Consumer Agreement
As low as 12.90% to 18.00% APR¹ variable As low as 13.90% to 18.00% APR¹ variable As low as 18.00% APR¹ As low as 18.00% APR¹
Credit Limit Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000
Annual Fee $0 $0 $0 $0
Apple Pay logo Apple Pay™
Samsung Pay Samsung Pay™
Google Pay Google Pay™
Online Credit Card Controls
Credit Card Alerts
Debt Protection
Emergency Card Replacement and Emergency Cash Disbursement
Travel Accident Insurance
Trip Interruption/ Trip Cancellation
Auto Rental Collision Damage Waiver

What are online Card Controls?

Want up-to-date credit card controls at your fingertips? You can execute the following anti-fraud and security features right from your e-Banking or Mobile Banking Credit Card Controls tab:

  • Turn your credit card on/off in seconds
  • Use GPS to control transactions within a designated location
  • Limit card use to specific merchants or purchases
  • Set credit card spending limits to match your budget
  • Report a lost or stolen card
  • Cancel your credit card

Whatever your financial objective is, we have all your bases covered with the following card programs:

  • Platinum. A fantastic card for our members seeking a low rate.
  • Platinum Rewards. For our members who use their credit card often, tend to pay off their balances each month and love the perks of earning Reward Points that can be redeemed for awesome merchandise, gift cards and travel-related purchases.
  • Student. The perfect choice for our members between the ages of 18 and 21 who are seeking to establish credit.
  • Secured. For our members who just need some help establishing or re-establishing credit.

Important 24/7 Contact Information:

Important contact information chart
Contact Reason Number to call
Card Activation 888-691-8661
Card Holder Services (Status Lost/Stolen or File a Dispute) 866-809-7111
Cardholder Services (Customer Service) 866-809-7111
Rewards Program 866-650-8364
PIN NOW – to choose or change the PIN 888-891-2435

Payment address: PO Box 37035, Boone, IA 50037-0035

Enjoy the freedom to prosper. If you have questions about our portfolio of credit cards, feel free to give us a call at 609.538.4061 or 800.538.4061, email us at or stop by one of our convenient branch locations.


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 12.90% to 18.00% variable, based on creditworthiness. Interest will begin accruing at time of loan. This rate will vary with the market based on the Prime Rate. Membership eligibility required. Membership deposit of $5.00 is required at all times in Main Share Savings Account.


Subject to credit approval. 5,000 bonus points are received after account opening.

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Membership has its discounts.

Enjoy savings at hundreds of retailers, restaurants and services.