Additional Loan Services

Credit Life Protection Insurance

Protect yourself and your family when you have a loan with your credit union. Credit Life Insurance will pay off any outstanding balance in case of death. It is available at a minimal cost on most credit union loans.

Call or visit us for more information on this low-cost protection from your credit union loan. Don't have time to call or visit us? Then fax us.


Credit Disability Insurance

It happens. People get sick or hurt, end up in the hospital, and have to take time off from work. Even with good benefit packages, bills do mount up. With credit disability insurance, your credit union loans are paid automatically until you are on your feet again. (Does not cover the first 30 days you are out on disability. Call  the office about other restrictions.)

For a minimal cost, you can protect yourself, your family, and your credit record. Call us or stop by a credit union office to find out about this low-cost protection for your family and your credit union loans.


Guaranteed Auto Protection (GAP) Insurance

Guaranteed Auto Protection (GAP) is a voluntary program that we offer for your new or used auto loan. This financial protection covers the difference in the balance on a car and its declared value in the event that it is damaged beyond repair or stolen and never recovered.

No matter how terrific a car is, the minute you drive it out of the showroom it is worth less. Depending on where you live, the established market value could be less than the actual balance you owe on your car. With GAP Insurance,  if your car is a loss, the deficiency will be covered. That includes the difference between the market value of the car and the loan balance, less delinquent payments late charges, refundable warranties, and other insurance related charges. It will also cover the insurance deductible up to $1,000 if a deficiency exists.

When you are applying for your auto loan, ask about GAP  Insurance. If you have questions, please call your NJ Community Federal Credit Union office. We'll be glad to explain.


Free Notary Service

NO appointment is needed to have your important papers notarized while you visit your credit union, Monday through Friday from 7:30 am to 5:00 p.m. This service is FREE to credit union members.


United Buyers New & Used Car Pricing Guide

The United Buyers New & Used Car Pricing Guide provides you with up-to-date information on car prices. Before you shop, check out this guide. You know you'll have the advantage in bargaining because you will know what the going prices are. You also will have an advantage if you are buying with a low-interest new or used auto loan from your credit union. Call us for more information and to ask about pre-approval for auto loans.

How used is that used car? We recommend Carfax Lemon Check to help you find out before you buy.