Personal Loans

Signature Loans

Get the money you need for a family vacation, major purchase or any other worthwhile purpose with a NJFCU Signature Loan. There is a $25 application fee and a maximum loan amount of $15,000 is available. Click here to apply for a Signature Loan!

Share Secured Loans

This loan option allows you to borrow against the funds in your NJFCU Savings or Money Market Account. You may borrow between $750 and a maximum of 90% of your account balance at a low interest rate. Click here to apply for a Share Secured Loan.

Term Share Certificate Secured Loans

Similar to a Share Secured Loan, this loan option lets you borrow against the balance in your NJFCU Term Share Certificate. You may borrow up to 90% of the account balance and the interest rate is set at 3% above the certificate dividend rate. Click here to apply for a Term Share Certificate Secured Loan.


If the high monthly payments on the loan you currently have with another financial institution are making you wonder how you'll ever make ends meet, apply to refinance at NJFCU. With our low rates and flexible terms, we may be able to provide you with a lower monthly payment and put the family budget back on track. Call 888-78-NJFCU, e-mail us at or stop by the Credit Union to see if refinancing is in your best interest, or click here to apply today!