*30/20/15/10 Year Fixed Rate
Finance rates and APR’s are subject to change daily, and are subject to change without notice. As of 1/02/2024, example $100,000, 15-year fixed-rate conforming mortgage APR is subject to change daily, with a monthly payment of $8.30 per thousand. Estimated monthly payment does not include taxes and insurance premiums. Program is available in New Jersey and eastern Pennsylvania for single family, owner occupied homes and for 2-4 family, owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. There is no annual fee or prepayment penalty fee. Mortgage must be in first lien position. Other restrictions may apply. For questions, please contact our licensed mortgage lending originator at (973)785-9200. NJFCU is an equal opportunity lender. Fees Apply.

Rates Effective as of July 1, 2025

North Jersey FCU reserves the right to change the rates without notice if necessary. There are times when this update may be experiencing technical difficulties and may not be able to be updated in a timely fashion. APR = Annual Percentage Rate. Restrictions may apply. Rate determined by credit score. Other rates may apply. We attempt to keep this page as updated as possible. However, from time to time system maintenance and other circumstances may prevent us from doing so. Therefore any rates quoted on this web page are subject to change. We are not financially responsible for typographical errors.

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*30/20/15/10 year fixed rate
Finance rates and APRs are valid as of January 2, 2024, and are subject to change without notice. As of 01/02/2024, example $100,000, 15 year fixed-rate conforming mortgage APR is subject to change daily, with a monthly payment of $8.85 per thousand. APRs are subject to change. Estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in New Jersey and eastern Pennsylvania for single family, owner occupied homes and for 2-4 family, owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. There is no annual fee or prepayment penalty fee. Mortgage must be in first lien position. Other restrictions may apply. For questions, please contact our licensed mortgage lending originator at (973)785-9200. An Equal Opportunity Lender. Fees Apply. 

5/1 Adjustable-rate mortgage (ARM)
Finance rates and APRs are valid as of 01/02/2024 and are subject to change without notice. As of 01/02/2024, a sample $100,000, 5/1 ARM conforming mortgage APR is subject to change daily, with a monthly payment of $6.16 per thousand. APRs are subject to change. Estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in New Jersey and eastern Pennsylvania for single family, owner occupied homes and for 2-4 family, owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. Mortgage must be in first lien position. First adjusted interest rate cap 2.00%, Subsequent adjusted interest rate cap 2.00%, rate adjustment frequency of 12 months. Fees Apply. 

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