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Main Branch
29 Emmons Drive, Suite C-40
Princeton, NJ 08540

Call us at:
Toll-free (800) 624-3312
Princeton Phone Number (609) 951-0700
Princeton Fax Number (609) 275-4194

Office Hours:
Monday through Friday 8:30 a.m. to 4:30 p.m.

 
 

MVCP


Eligibility
 
To apply for a loan you must:
  • Be a member of the Healthcare Employees FCU.
  • Be employed with your current employer for at least one year. VISA Credit Cards require three years employment.
  • Certain fees apply to denied applications.
 
A loan application must be completed in full by the member and must be forwarded (via fax or mail) to the credit union office along with a recent paystub and a purchase order (if applicable). All loans will be reviewed on a daily basis. Every effort will be made to notify members of action in a timely manner. Most loans are acted on within 24 hours.
 
 
Applications are available online, at your Human Resources department or by calling our office at 1-800-624-3312, option 3.
 
 
Criteria for Granting Loans:
  • You have the capacity to repay the loan within the terms of the agreement.
  • Your past/present credit record is deemed satisfactory as a result of information obtained from credit references and/or credit reporting agencies.
  • You are of responsible character and can demonstrate stability of employment, residence, etc.

Types of Loans
  • Unsecured
  • Fully share-secured
  • New car
  • Used car
  • VISA credit card
  • Home equity
  • First mortgages
 
Monthly Payment Options:
  • Payroll deduction (except VISA and First Mortgages)
  • Direct Deposit
  • Coupon Book 
  • Loan limits cannot exceed the stated maximums for the type of loans available.
  • Interest rates will vary according to the type of loan. The interest rate/annual percentage rate is subject to change as determined by the Board of Directors.
  • Members may pay off a loan in advance at any time without penalty.
 
 
Insurance Options:
  • Credit Life Provides for paying the remaining balance of your loan in the event of your death. This insurance will ease the burden on your beneficiary or family.
  • Credit Disability Provides for paying your loan monthly while you are disabled. Loan payments would be made on your behalf until you are able to return to work.
 
 
NOTE: PLEASE CALL 1-800-624-3312, Option 3, TO DISCUSS YOUR PARTICULAR NEEDS WITH A LOAN REPRESENTATIVE. YOU WILL RECEIVE THE KIND OF PERSONALIZED SERVICE ONLY A CREDIT UNION CAN PROVIDE.
 
 
 
 

 

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