Loan Rates
Effective date as of March 1, 2023 and are subject to change without notice.
Loan Information
Preferred Rate
A rate reduction of 1/2% will be given for any payment made by Payroll Deduction with Automatic Payment. If payroll deduction with automatic payment is discontinued, the APR will increase to the COUPON BOOK rate and any increase in the rate will result in more payments of the same amount until what you owe has been repaid.
Share Certificate Secured
All Share Certificate Secured Loans are adjustable rate. The index is the APR of a Share Certificate being used as collateral. If there is more than one Share Certificate being used as collateral, then the index will be the average APR of the Share Certificates being used as collateral. The index and monthly payment is subject to change each time a Share Certificate matures.
Administrative Requirements
- The minimum payment on Check Credit Line and Overdraft loans is $40.00 or 2.00% of the monthly balance, whichever is greater.
- All auto, RV, and Boats, or other types of Collateral Loans, must list the Credit Union as mortgage/lien holder on the insurance policy, with a deductible amount more than $500.00. If title is required as collateral, it must show an encumbrance in favor of New Jersey Community FCU. A signature loan can’t be combined with a car loan. Title and insurance must be received before any other loans can be approved.
- A credit check and debt ratio analysis will be done on all loan applications (except 100% Shares and/or Certificate Secured) and advances. FHA lending standards will generally apply to all loans.
- The Credit Union will determine the Annual Percentage Rate (APR) for each advance based on approximate loan term and Fair Isaac score* received from the credit reporting agency currently used by the Credit Union. The member has the right to know which credit union reporting agency the Credit Union used.
Credit Repair Loan
| Term | APR |
|---|---|
| 6 months | 28% |
Roth IRA Money Market Account
| Balance/Term | APR | APY |
|---|---|---|
| Less than $250.00 | 0.00% | 0.00% |
| $250.00 - $999.99 | 0.00% | 0.00% |
| $1,000 - $19,999.99 | 0.03% | 0.03% |
| $20,000 - $49,999.99 | 0.35% | 0.351% |
| $50,000 & greater | 0.55% | 0.552% |
Effective date as of October 1, 2024 and are subject to change without notice.
IRA Money Market Account
| Balance/Term | APR | APY |
|---|---|---|
| Less than $250.00 | 0.00% | 0.00% |
| $250.00 - $999.99 | 0.00% | 0.00% |
| $1,000 - $19,999.99 | 0.03% | 0.03% |
| $20,000 - $49,999.99 | 0.35% | 0.351% |
| $50,000 & greater | 0.55% | 0.552% |
Effective date as of October 1, 2024 and are subject to change without notice.
Unsecured Home Improvement Loans
| Term | Preferred APR |
|---|---|
| 4 years | 9.74% |
| 10 years | 9.99% |
Need to do some improvements to your home? Apply today!
Effective date as of March 1, 2023 and are subject to change without notice.
All Other Secured & Unsecured Loans
| Term | Preferred APR |
|---|---|
| 4 years or less | 9.99% |
| 5 years | 10.49% |
| 6 years | 10.74% |
| 7 years | 11.24% |
Effective date as of September 19th, 2025 and are subject to change without notice.
Savings Secured 100%
| Term | Preferred APR |
|---|---|
| 4 years or less | 4.74% |
| 5 years | 5.24% |
| 6 years | 5.49% |
| 7 years | 5.74% |
Effective date as of September 19th, 2025 and are subject to change without notice.
Home Equity Fixed Rate
| Loan Amount | 60 months | 120 months | 180 months | 240 months |
|---|---|---|---|---|
| $10,000.00 - $24,999.99 | Contact the credit union | Contact the credit union | Contact the credit union | Contact the credit union |
| $25,000.00 - $49,999.99 | Contact the credit union | Contact the credit union | Contact the credit union | Contact the credit union |
| $50,000.00 - $99,999.99 | Contact the credit union | Contact the credit union | Contact the credit union | Contact the credit union |
| $50,000.00 - $99,999.99 | Contact the credit union | Contact the credit union | Contact the credit union | Contact the credit union |
Effective date as of March 1, 2023 and are subject to change without notice.
All Home Equity Loans carry an appraisal fee of $100 that will be refunded at settlement closing. Based on Fair Isaac Score (Learn more about Fair Issac scoring)
Secured by Mortgage (Fixed Rate): Up to 15 Years.
Secured by Mortgage (Adjustable Rate): This open line-of-credit is for 20 years. (The Prime Rate posted in The Wall Street Journal minus 0.25 for payroll deduction with automatic payment on the last business day of the month, if there is more than one rate the interest rate will be the average of all the posted rates). The interest rate is subject to change monthly.
Auto Loan Rates (New & Used)
| Term | Preferred APR |
|---|---|
| 5 years or less | 5.24% |
| Up to 6 years | 5.99% |
| Up to 7 years | 6.24% |
Effective date as of September 19th, 2025 and are subject to change without notice.
Boat/RV’s New & Used
| Term | Preferred APR |
|---|---|
| 5 years | 8.24% |
| 10 years | 9.99% |
Motorcycle New & Used
| Term | Preferred APR |
|---|---|
| 4 years | 4.99% |
| 5 years | 5.24% |
Effective date as of March 1, 2023 and are subject to change without notice.
Holiday Club (12) / Vacation Club (13)
| Balance/Term | APR | APY |
|---|---|---|
| $25 or greater | 0.00% | 0.00% |
Check Credit Line
| Term | Preferred APR |
|---|---|
| 5 years | 13.24% |
Overdraft Loan
| Term | Preferred APR |
|---|---|
| 5 years | 13.24% |
First Mortgages
| Call our First Mortgage specialist Mike Cesarano at 856-235-0829 ext 110 |