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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Fixed Home Equity Loan Rates

*APR = Annual Percentage Rate. Stated 6.25% APR applies to a Fixed Rate Home Equity Loan with a term of up to 240 months at 80% Combined Loan to Value (CLTV). A processing fee of $150.00 applies. A $10,000 Home Equity Loan at 6.25% APR requires 60 monthly payments of $194.47 for principal and interest. Disclosed rates are for applicants with the best credit score. Your rate may be higher. Rates are subject to change at any time without prior notice. Appraisal fees will apply. Fees Apply. 

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Home Equity Lines of Credit Rates

*Variable annual percentage rate (APR) is calculated based on the Prime Rate posted in The Wall Street Journal. The current WSJ Prime Rate is 7.50% as of 12/19/2024. HELOC is a variable rate product with a Max Rate of 18.000% and a Minimum Rate of 5.50%. Margins are set based on the risk associated with the loan and an individual’s or joint credit history. Minimum line of credit is $25,000. NJFCU Home Equity Line of Credit (HELOC) is available for one to four-family structures. Finance charges begin to accrue from the day of the initial advance. The initial draw period is for eight (8) years, and the full repayment period is over 15 years. Initial draw must be a minimum of $5,000 and a minimum of $250 for additional draws. Homeowner’s insurance is required; flood insurance is required where applicable. Consult a tax advisor regarding the deductibility of interest. Rates are subject to change. The introductory rate of (7.00%), the Annual Percentage Rate (APR), is a promotional rate and will not change until the first day of the 13th month after the day of the loan closing. If the promotion were not in effect, the Annual Percentage Rate would be Prime plus a Margin of.50%. After the promotional period, the loan will become a variable-rate loan and the interest rate and payment may change. The interest rate is based on the highest prime rate published in the Wall Street Journal. On December 19th, 2024, that prime rate was 7.50%. This offer cannot be combined with any other promotions. The promotion rate is available from July 1st to September 30th, 2025. 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.

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Over Draft Protection (Ready Cash)

Overdraft protection is available, up to six (6) times per month at $3.00 each due to ACH, ATM or drafts. All transfers will be in exact amounts needed. After 6 transfers the item may be returned and a NSF fee of up to $35.00 may be assessed. For all savings, clubs, and money market account types, there is a $2.00 Excessive Withdrawal Fee charged for each transfer or withdrawal made from a North Jersey FCU savings, clubs, and money market accounts beyond the six (6) allowed monthly by the Federal Reserve. Withdrawals or transfers made in person, by mail, by using an ATM, or telephone (if a check is payable to and mailed to the depositor for a withdrawal done via phone) do not count toward the six-per-month limit.

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New Auto Loan Rates

*APR = Annual Percentage Rate. Rates are subject to change without notice and restrictions may apply. Rates apply to new vehicles. Rates may vary depending on credit, loan amount, loan term and value of your vehicle. DMV and other fees may apply. A document preparation fee of $149.00 applies. A 3-Year, Fixed-Rate New Car Loan for $15,000 would have 36 monthly payments of $457.99 each, at an Annual Percentage Rate (APR) of 6.25%. 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. Autos over $100K, rate increases by 0.25%; over $200K, rate increases by 0.50%. Additional discounts may not be applied.

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Used Auto Loan Rates

*APR = Annual Percentage Rate. Rates are subject to change without notice and restrictions may apply. Rates apply to new vehicles. Rates may vary depending on credit, loan amount, loan term and value of your vehicle. DMV and other fees may apply. A document preparation fee of $149.00 applies. A 3-Year, Fixed-Rate New Car Loan for $15,000 would have 36 monthly payments of $457.99 each, at an Annual Percentage Rate (APR) of 6.25%. This rate includes a .25% deduction if using direct deposit of at least $250 into a NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR. Autos over $100K, rate increases by 0.25%; over $200K, rate increases by 0.50%. Additional discounts may not be applied.

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Regular Term Share Certificates

3 Months - 12 Months

*We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will be up to 90 days loss of dividends on the amount withdrawn for term share certificates with terms of 3 months to 6 months, 180 days loss of dividends on the amount withdrawn for term share certificates with terms of over 12 months to 18 months, 270 days loss of dividends on the amount withdrawn for term share certificates with terms of 24 months to 30 months, and 365 days loss of dividends on the amount withdrawn for term share certificates with terms of 36 months to 60 months. You will have a grace period of 3 business days after maturity date to notify NJFCU of your intent to either a) renew your certificate at the prevailing rate, or b) withdraw the funds in the account without being charged an early withdrawal penalty. Withdrawals must be requested in writing. Unless we’re notified otherwise, accounts will auto-renew at current rate & same term.

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Regular Term Share Certificates

18 Months - 60 Months

*We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will be up to 90 days loss of dividends on the amount withdrawn for term share certificates with terms of 3 months to 6 months, 180 days loss of dividends on the amount withdrawn for term share certificates with terms of over 12 months to 18 months, 270 days loss of dividends on the amount withdrawn for term share certificates with terms of 24 months to 30 months, and 365 days loss of dividends on the amount withdrawn for term share certificates with terms of 36 months to 60 months. You will have a grace period of 3 business days after maturity date to notify NJFCU of your intent to either a) renew your certificate at the prevailing rate, or b) withdraw the funds in the account without being charged an early withdrawal penalty. Withdrawals must be requested in writing. Unless we’re notified otherwise, accounts will auto-renew at current rate & same term.

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Individual Retirement Term Share Certificates

Maximum contributions vary; please consult with your tax advisor. 10% penalty for withdrawals if under 59 1/2 years old or funds not rolled over into another IRA plan within 60 days.