Rates

Savings & Loan Rates

Rates Effective as July 1st 2021

All rates are subject to change at the Credit Union’s Discretion

Mortgage Rates

TERM	RATE	Points	APR*	Monthly Payment Per $1,000
30 Year Fixed	3.00%	0	3.077%	$4.22
20 Year Fixed	2.750%	0	2.856%	$5.42
15 Year Fixed	2.625%	0	2.761%	$6.72
10 Year Fixed	2.50%	0	2.696%	$9.42
5/1 Adjustable Rate Mortgage (up to 417,000)	2.75%	0	2.825%	$4.08
5/1 Adjustable Rate Mortgage (417,000 and above)	2.875%	0	2.951%	$4.14
*30/20/15/10 year fixed rate Finance rates and APRs are valid as of 07/31/2021, and are subject to change without notice. As of 04/28/2020, example $100,000, 15 year fixed-rate conforming mortgage APR is 2.761% with a monthly payment of $6.72 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. 5/1 Adjustable-rate mortgage (ARM) Finance rates and APRs are valid as of 07/31/2021 and are subject to change without notice. As of 07/31/2021, a sample $100,000, 5/1 ARM conforming mortgage APR is 3.825% with a monthly payment of $4.08 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.

Home Equity Loan

Term Years		APR* (Annual Percentage Rate)
5 yrs	as low as	3.50%
10 yrs	as low as	4.00%
15 yrs	as low as	4.50%
20 yrs	as low as	4.75%
*APR is the Annual Percentage Rate. Rates are subject to change without notice. Restrictions may apply. Rates are for qualified members and are subject to credit approval and loan to value restrictions. Rates may vary depending on credit worthiness, loan amount, loan term and value of your home. All applications are subject to appraisal fees. Qualified members do not pay for the following fees: title fees, processing fees, settlement fees, underwriting fees or credit reports. The 1.99% rate is good for either 6 months and the 2.69% rate is good for 12 months then both convert to Prime+ 0. Promotion is for new money only. 8 years to draw and 15 years to pay. Minimum loan $25,000. Minimum rate begins at 3.25% for life of the loan, with a maximum rate of 18%. Minimum monthly principal payment is $120. Cannot be combined with any other offers. Promotion can expire at any time.

Home Equity Loan 2nd Lien

Term Years		APR* (Annual Percentage Rate)
5 yrs	as low as	3.875%
10 yrs	as low as	4.125%
15 yrs	as low as	4.250%
20 yrs	as low as	4.50%
*APR is the Annual Percentage Rate. Rates are subject to change without notice. Restrictions may apply. Rates are for qualified members and are subject to credit approval and loan to value restrictions. Rates may vary depending on credit worthiness, loan amount, loan term and value of your home. All applications are subject to appraisal fees. Qualified members do not pay for the following fees: title fees, processing fees, settlement fees, underwriting fees or credit reports. The 1.99% rate is good for either 6 months and the 2.69% rate is good for 12 months then both convert to Prime+ 0. Promotion is for new money only. 8 years to draw and 15 years to pay. Minimum loan $25,000. Minimum rate begins at 3.25% for life of the loan, with a maximum rate of 18%. Minimum monthly principal payment is $120. Cannot be combined with any other offers. Promotion can expire at any time.

Unsecured Personal Loan

Term Months		APR* (Annual Percentage Rate)
12 mos.	as low as	12.24%
24 mos.	as low as	12.24%
36 mos.	as low as	12.24%
48 mos.	as low as	12.49%
60 mos.	as low as	12.49%
*APR =Annual Percentage Rate. Rates are subject to change without notice. Rates are for qualified members only. Rates may vary depending on credit, loan amount, and loan term. A $99 documentation fee will apply. If you borrow the maximum amount of $15,000.00 at 12.24% for a 60 month term, your minimum monthly payment would be $335.49. If you finance the documentation fee, your effective annual rate will be 12.24% with a minimum monthly payment of $337.70 and total cost of the loan $20,262.18.

Over Draft Protection (Ready Cash)

Term Months		APR* (Annual Percentage Rate)
N/A	as low as	12.74%

New Auto Loan

Term Months		APR* (Annual Percentage Rate)
12 mos.	as low as	2.99%
24 mos.	as low as	2.99%
36 mos.	as low as	2.99%
48 mos.	as low as	2.99%
60 mos.	as low as	2.99%
72 mos.	as low as	3.24%
84 mos.	as low as	4.00%
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 5-Year, Fixed-Rate New Car Loan For $25,000 Would Have 60 Monthly Payments Of $449.11 Each, At An Annual Percentage Rate (APR) of 2.99%. Members with auto-pay, direct deposit, and a NJFCU MasterCard credit card may be eligible for an Annual Percentage Rate (APR) deduction up to 0.75%.*Refinancing APR Rates Are Subject To Change Without Notice And Restrictions Apply.

Used Auto Loan

Term Months		APR*
12 mos.	as low as	3.24%
24 mos.	as low as	3.24%
36 mos.	as low as	3.24%
48 mos.	as low as	3.49%
60 mos.	as low as	3.49%
72 mos.	as low as	3.74%
APR = Annual Percentage Rate. Rates Are Subject To Change Without Notice And Restrictions May Apply. Rates Apply To Used Vehicles. Rates May Vary Depending On Credit, Loan Amount, Loan Term And Value Of Your Vehicle. The Year And Mileage Of A Used Car Will Affect Terms And Rates. DMV And Other Fees May Apply. A 5-Year, Fixed-Rate Used Car Loan For $15,000 Would Have 60 Monthly Payments Of $273.00 Each, At An Annual Percentage Rate (APR) Of 3.49%. Members with auto-pay, direct deposit, and a NJFCU MasterCard credit card may be eligible for an Annual Percentage Rate (APR) deduction up to 0.75%.Refinancing APR Rates Are Subject To Change Without Notice And Restrictions Apply. *Refinancing APR Rates Are Subject To Change Without Notice And Restrictions Apply.

Regular Term Share Certificates

30 Days – 12 Months

TERM	30 Days	3 Months	6 Months	9 Months	12 Months
DIVIDENDS Annual Percentage Yield (APY), %	0.05%	0.05%	0.10%	0.10%	0.20%
Dividend Rate, %	0.05%	0.05%	0.10%	0.10%	0.20%
Dividends Credited	Monthly	Monthly	Monthly	Monthly	Monthly
BALANCE REQUIREMENTS Minimum Opening Balance	$1000.00	$1000.00	$1000.00	$1000.00	$500.00
Minimum to Earn APY	$1000.00	$1000.00	$1000.00	$1000.00	$500.00

Regular Term Share Certificates

18 Months – 60 Months

TERM	18 Months	24 Months	30 Months	36 Months	48 Months	60 Months
DIVIDENDS Annual Percentage Yield (APY), %	0.20%	0.30%	0.30%	0.35%	0.40%	0.50%
Dividend Rate, %	0.20%	0.30%	0.30%	0.35%	0.40%	0.50%
Dividends Credited	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
BALANCE REQUIREMENTS Minimum Opening Balance	$500.00	$500.00	$500.00	$500.00	$500.00	$500.00
Minimum to Earn APY	$500.00	$500.00	$500.00	$500.00	$500.00	$500.00

Individual Retirement Term Share Certificates

Term	6 Months	12 Months	18 Months	24 Months	30 Months	36 Months	60 Months
DIVIDENDS Annual Percentage Yield (APY), %	.10%	.20%	.20%	.30%	.30%	0.35%	0.50%
Dividend Rate, %	.10%	.20%	.20%	.30%	.30%	0.35%	0.50%
Dividends Credited	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
BALANCE REQUIREMENTS Minimum Opening Balance	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00
Minimum to Earn APY	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00
*If you withdraw principal from a certificate account prior to maturity, an early withdrawal penalty will apply. Note: Consult with your tax advisor or attorney regarding deductibility and contribution limits.

Plan ahead and deposit the funds at your own pace. Whether you reward yourself until your ready to go on vacation or until the holidays arrive. North Jersey FCU will always be willing to help you get a jump start on savings.