*To obtain these promotional rates, the borrower must have direct deposit, or payroll deduction of at least $250 into a NJFCU checking account, and automatic payment from a NJFCU deposit account. If either the direct deposit, payroll deduction or automatic payment is canceled, the interest rate will increase by 2% above the promotional rate. A document preparation fee of $99.00 applies. A 1-Year, Fixed-Rate Vacation Loan for $3,000 would have 12 monthly payments of $272.44 each, at an Annual Percentage Rate (APR) of 9.99%. New loans only, does not apply to refinancing of any existing NJFCU loan. In the event of default on the loan, the interest would be increased to 18%. The actual rate is based on individual creditworthiness and credit score. Repayment terms of loan will be dependent upon loan amount. All applications must be submitted between June 15th and September 30, 2025. See a Representative for more details. Offer may be discontinued at any time.
