Back to School Loan – Maximum amount: $2,400.00 – Rate: 6.24% APR* – Maximum term: 12 months

**APR= Annual Percentage Rate. The rate is the preferred rate with automatic payments and payroll deduction. Coupon book will be a 1/2 point higher. Risk based lending applies. Subject to terms and conditions so please call the office for details.

Other Checking Services

Direct Deposit/Payroll Deduction/ACH

Managing money is easier when your net paycheck, Social Security, or pension check is automatically deposited into your Primary Checking, Other Checking or Primary Savings Account.

With Direct Deposit, your money is available immediately, is safe, and is in compliance with government regulations.

With Direct Deposit:

  • Your money is available immediately. No driving to the credit union office to make your deposit. While you are eating lunch, playing golf, or having fun with your children, your money is deposited in your account and is ready and waiting to pay bills, withdraw, or wait for your next need.
  • Your money is safe. You don't have to carry your check or large sums of cash around with you. It is deposited and ready for you.
  • You comply with government regulations. All federal payments are now issued by electronic funds transfer (EFT), also known as Direct Deposit. If you will be receiving veteran's benefits, Social Security, military pensions or salaries, or any other government payment, you'll need Direct Deposit. Check with the agency that issues your check to see what requirements you need to meet (there are some special circumstances that do not require Direct Deposit).

Direct Deposit provides the convenience, security, and government compliance that you need to effectively manage your money.

Call us or visit us for more information about Direct Deposit.

 

Payroll Deduction

Make loan payments automatically, make deposits to your savings accounts, build your IRA—all with Payroll Deduction.

Whether it's your auto loan, Home Equity LoanPersonal Loan, or any other credit union loan, paying is easy. Simply designate the amounts of monthly payments that you want deducted from your pay,  and your payments are made. No late charges. No running to the mail box. No hassle.

Guarantee "no excuses" savings, too. Deposits can be made to savings accounts and club accounts automatically with this service. And your IRA financial planning is easier with the automatic Payroll Deduction option at NJ Community.

Payroll Deduction is another New Jersey Community FCU money management service that is convenient and FREE! Combine it with Direct Deposit and your Primary Checking or Other Checking Account for a really convenient money management team.

For more information on this convenient service from your credit union, call us or visit us.

 

Automated Clearing House Service

The credit union is a member of the Automated Clearing House (ACH) and can accept direct credits or debits for member accounts from any participating corporation.