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Term Share Certificate Secured Loan

Borrow against your NJFCU Term Share Certificate up to 90%

Borrow up to 90%

Take a low rate Share Secured Loan against your Share Account balance.

Term Share Certificate Secured Loan

This loan option allows you to 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. Apply Today for a Term Share Certificate Secured Loan.

Earn interest with a low rate Term Share Certificate Secured Loan

Benefits of a Term Share Certificate Secured Loan:

  • Low monthly payment
  • Borrow up to 90% of the account balance and the interest rate is set 3% above the dividend rate
  • Set up convenient Auto-Pay for payments
  • Flexible terms to better fit your financial situation
  • Competitive low rates
*Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. An Application Fee May Apply. For More Information, Speak To A Member Service Representative (MSR).

What is a Term Share Certificate?

Term Share Certificates are the credit union equivalent of a bank’s Certificate of Deposit, or CD. Like CDs, these certificates require you to invest funds for a specific period of time, while you earn higher interest in the account. The length of a certificate can vary, but anywhere between 30 days and five years is common.

Generally, a longer term gets a higher rate. Rates can also vary from year to year.

What is a Term Share Certificate?
National Credit Union Administration NCUA

NCUA National Credit Union Administration

Credit unions belong to the National Credit Union Administration, so your investment receives federal insurance protection up to $250,000.

IRA2

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Call 973-785-9200 | email: [email protected]

Additional Loan Products & Services

Unsecured Personal Loan

Unsecured Loan

A personal loan can help to consolidate debt, finance large purchases or use for important emergencies.

Share Secured Personal Loan

Share Secured Loan

Earn interest with a low rate Term Share Certificate Secured Loan.

Loans & Mortgages

Loans & Mortgages

Whether you’re looking for Auto Loans, Personal Loans, Mortgages or Student loans, North Jersey FCU got you covered.

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BRANCH HOURS UPDATE: 

>In observance of Independence
Day, All NJFCU branches will be
Closed Monday July 4th, 2022.
We will resume normal business
hours, Tuesday July 5th, 2022.

Please visit our website, mobile
and app, or one of our convenient
ATM locations to access your
account. Thank you.