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Credit Cards

We give you options with MasterCard® whether you’re looking for Credit Cards that offer rewards or great low rates.

Our collection of Credit Cards gives credit where credit is due and comes with a competitive rate…to Our Members!

Platinum Rewards Card

Get more with our Platinum Rewards Card!

Classic Card

Lowest rate that gives you a piece of mind to your transactions.

Liberty Card

Build & rebuild your Credit history with every use.

Lost or Stolen Credit Card

24/7 Phone: 800-449-7728

Report Fraud Activity

For Debit Card: 973-785-9200
For Credit Card: 866-820-3936

Business Rewards Card

Run your business in the most appropriate way: With precision and safety.

VISA Gift Card

The perfect Gift to give your family & friends; It’s something they’ll use for any occasion.

Digital Banking

NJFCU Members can easily pay for good and services in store, in apps or online.

We have the right card for every financial situation. Whether you are just taking care of daily purchases, an unexpected expense or for a little self-splurge, we’ve got you covered with a low rate.

Credit LevelClassic CardLiberty CardPlatinum RewardsBusiness Rewards
Purchase8.99%APR10.99%APR10.99%APR11.99%APR
Transfer Info8.99%APR - 18.00%APR10.99%APR - 14.74%APR10.99%APR - 14.74%APR11.99%APR - 14.74%APR
Annual Fee$0$33$0$0
Minimum & Maximum Amounts$500 - $10,000$500 - $5,000$2,500 - $15,000$2,500 - $15,000
*APR=Annual Percentage Rate. Rates and terms are accurate as of ’07/31/2021’. The APR for MasterCard® Classic card will be, depending on your creditworthiness at account opening, a 8.99% – 18.00%. The APR for MasterCard® Liberty card will be, depending on your creditworthiness at account opening, a 10.99%. The APR for MasterCard® Platinum card will be, depending on your creditworthiness at account opening, a 10.99% – 18.00%. This APR will vary with the market based on the Prime Rate. There is a 3% transaction fee of each cash advance. The Foreign Transaction Fee is 1% of each foreign transaction in U.S. dollars. Rates and terms are subject to change without notice. Membership conditions may apply.
**APR=Annual Percentage Rate. Rates and terms are accurate as of ’07/31/2021’. The APR for MasterCard® Business Rewards card will be, depending on your creditworthiness at account opening, a 11.99% – 18.00%. This APR will vary with the market based on the Prime Rate. There is a 3% transaction fee of each cash advance. The Foreign Transaction Fee is 1% of each foreign transaction in U.S. dollars. Rates and terms are subject to change without notice. Membership conditions may apply.

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Additional Products:

Refinance Mortgage

Refinance Mortgage

We may be able to provide you with a lower monthly payment and put the family budget back on track.

Adjustable Rate Mortgage (ARM)

Adjustable Rate Mortgage

With An NJFCU Adjustable Rate Mortgage (ARM) you will discover cost saving features like competitive rates with a confident credit union.

ITIN Mortgage

ITIN Mortgage

If you have an ITIN number: Achieve your financial goals and get new opportunities.

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