When unexpected situations occur, relief is available at North Jersey FCU.

  • Rate As Low As 7.99% APR*
  • Borrow amounts up to $3,000
  • No payments for first 60 days**
  • Terms up to 24 months
  • No fees
  • No prepayment penalties

Thinking of our Members Always.


*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates are for qualified members only and rates may vary depending on creditworthiness. Promotional loan amount starts at $500 and max at $3,000 for terms up to 24 months where you will be required to make no payments for the first two (2) months of your loan then repay if after the no-payment period concludes. There are no prepayment penalty should you wish to pay it back sooner. Total individual unsecured maximum loan limit not to exceed $15,000. lf you borrow, the maximum amount which is $3,000 at 7.99% for a 24 month (max term), two month deferment is $276.01 and minimum monthly payment thereafter would be $135.67 with $3,276.01the total cost of the loan. There is no hidden costs: No origination fee. Setup your loan auto payment when you close on the loan which you can setup direct deposit or open a new checking account with NJFCU with auto payment transfer for a worry-free bill pay experience. To be eligible for this emergency loan promotional rates you need to setup autopay. Should the direct deposit or account transfer stop anytime during the life of the loan, your rate will change to the unsecured basic loan rate for the duration of the loan. Promotion may end at any time and does not apply to refinancing of existing NJFCU loans. This offer cannot be combined with any other promotions.



The Elmwood Park ATM is currently down. Please visit our mobile app or one of our other convenient ATM locations to gain access to your account. Thank you.