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Share Certificates - Safe Investing With Guaranteed Returns!

At NJ Community FCU, we offer one of the best investing options to help you get more return from your money - a Share of IRA Certificate. They pay a high yield, are federally insured and provide you with a liquid and worry-free investment.

View current rates.

Reminder - Check 21!

The Check Clearing for the 21st Century Act (Check 21) was signed into law on October 28, 2003, and became effective on October 28, 2004. Legislation now allows U.S. financial institutions to convert paper checks into digital images, and give electronic versions the same legal standing as the paper originals.

CCheck 21 will shorten the length of time it takes for checks to clear. Be careful if you write checks in anticipation of funds being deposited or you may overdraw on your account, incurring insufficient fund fees from retailers and the credit union. For more information contact the credit union.

Current rates

*$1000 Minimum, New funds required./font>



How used is that used car? 

We recommend Carfax Lemon Check to help you find out before you buy.


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Home Equity Loans
Consolidate debt, remodel your home, pay unexpected expenses, and more. Plus, the interest is usually tax-deductible. Most member homeowners qualify. Choose from terms up to 15 years.
Share Certificates/IRA Share Certificates
Accelerate your savings! Invest as little as $1,000 and choose a 3 to 60 months investment term. Save for a sunny day, your children's education, or for the additional income you need today.
Personal Loans
Borrow up to $8,000, based on credit rating, with a repayment term up to 5 years. Your signature and good credit are all we need.
IRA Money Market
Supercharge your retirement earnings. The minimum IRA Money Market investment is only $250.00. Start earning more today!
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Up to 100% financing, flexible terms up to 6 years, and you can have your loan pre-approved.
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Rates for Share and IRA Certificates are the same. Click here for up-to-the-minute rates. You can purchase Share Certificates online.
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