*APR = Annual Percentage Rate. Rates are subject to change without notice and restrictions may apply. Rates may vary depending on credit, loan amount, and loan term.  A document preparation fee of $99.00 applies. If you borrow the maximum amount of $15,000 at 12.24% for a 60 month term, your minimum monthly payment would be $333.65. This rate includes a .25% deduction if using direct deposit of at least $250 into an NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR. Fees Apply.

5/1 Adjustable-rate mortgage (ARM)
Finance rates and APRs are valid as of 08/25/2025 and are subject to change without notice. As of 08/25/2025, a sample $100,000, 5/1 ARM conforming mortgage APR is subject to change daily, with a monthly payment of $8.58 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 only  for single-family, owner occupied 1-4 units , 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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Unsecured Personal Loan Rates

*APR = Annual Percentage Rate. Rates are subject to change without notice and restrictions may apply. Rates may vary depending on credit, loan amount, and loan term.  A document preparation fee of $99.00 applies. If you borrow the maximum amount of $15,000 at 12.24% for a 60 month term, your minimum monthly payment would be $333.65. This rate includes a .25% deduction if using direct deposit of at least $250 into an NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR. Fees Apply.

Additional Loan Products & Services