*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.

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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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