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Rates

Vehicle
Loan Type1 APR* Term Rate Effective
New/Used Auto or Motorcycle5 as low as 4.00% Up to 48 months 10/13/2022
New/Used Auto or Motorcycle5 as low as 4.24% 60 months 10/13/2022
New/Used Auto or Motorcycle5 as low as 4.50% 72 months 10/13/2022
New/Used Auto or Motorcycle5 as low as 5.99% 84 months 10/13/2022
Real Estate
Loan Type1 APR Limit Rate Effective
5 Yr Fixed Home Equity4 as low as 4.49% Up to 80% LTV3 10/13/2022
7 Yr Fixed Home Equity4 as low as 4.74% Up to 80% LTV3 10/13/2022
10 Yr Fixed Home Equity4 as low as 4.99% Up to 80% LTV3 10/13/2022
15 Yr Fixed Home Equity4 as low as 5.49% Up to 80% LTV3 10/13/2022
20 Yr Fixed Home Equity4 as low as 5.99% Up to 80% LTV3 10/13/2022
5 Yr Balloon Loan Variable4 4.24% Up to 80% LTV3 10/13/2022
Variable (Home Equity Line of Credit)2, 4 As low as Prime minus 0.75% Up to 80% LTV3 N/A
5-20 Yr First Lien Home Equity4 4.24% - 5.74% Up to 70% LTV3 10/13/2022
VISA
Card Type1 Rate Annual Fee
VISA Credit Card Classic 12.00% No
VISA Credit Card Platinum 8.99% No
Personal (Unsecured)
Loan Type1 APR* Limit Rate Effective
Unsecured as low as 8.49% $15,000 10/13/2022
Share Secured
Loan Type1 APR* Limit Rate Effective
100% Share Secured 4.75% No Limit 10/13/2022

Rates are subject to change and do not apply to existing loans.*

* APR = Annual Percentage Rate

1 Loan rates and/or eligibility are determined by the member’s credit score

2 Minimum APR is 4.00% and maximum is 18.00%; APR is floor rate when Index + Margin is below the floor

3 LTV above 80% offered at a higher rate

4 New Jersey and Pennsylvania residence only

5 New and Used Auto Loans up to 10 model years old

Please call the credit union at (609) 951-0700 or (800) 624-3312 for the most current rates.

Loan rates and/or Eligibility are determined by the member’s credit score

Certain conditions and restriction may apply to rates, fees, and limits.

Savings Account
Average Daily Balance Rate APY* Rate Effective
$100.00 to $500.00 0.01% 0.01% 4/01/2020
$500.01 to $5,000.00 0.05% 0.05% 04/01/2020
$5,000.01 to $20,000.00 0.05% 0.05% 04/01/2020
Over $20,000.00 0.075% 0.075% 04/01/2020
Club Accounts
Average Daily Balance Rate APY* Rate Effective
$100.00 to $500.00 0.01% 0.01% 4/01/2020
$500.01 to $5,000.00 0.05% 0.05% 04/01/2020
$5,000.01 to $20,000.00 0.05% 0.05% 04/01/2020
Over $20,000.00 0.075% 0.075% 04/01/2020
Savings IRA Accounts1
Average Daily Balance Rate APY* Rate Effective
$100.00 to $500.00 0.01% 0.01% 4/01/2020
$500.01 to $5,000.00 0.05% 0.05% 04/01/2020
$5,000.01 to $20,000.00 0.05% 0.05% 04/01/2020
Over $20,000.00 0.075% 0.075% 04/01/2020
Free Checking Account
Average Daily Balance Rate APY* Rate Effective
Over $1,000.00 0.05% 0.05% 01/01/2017
Money Market Account2
Average Daily Balance Rate APY* Rate Effective
$5,000.00 to $50,000.00 0.15% 0.15% 01/01/2017
$50,000.01 to $99,999.99 0.20% 0.20% 04/01/2020
$100,000 + 0.25% 0.25% 04/01/2020
Share Certificates / Share Certificate IRA3
Term Rate APY* Rate Effective
6 Month 0.10% 0.10% 08/19/2020
12 Month 0.20% 0.20% 08/19/2020
24 Month 0.20% 0.20% 08/19/2020
36 Month 0.35% 0.35% 08/19/2020
48 Month 0.50% 0.50% 08/19/2020
60 Month 0.60% 0.60% 08/19/2020

* APY = Annual Percentage Yield

1 Savings IRAs will earn dividend according to balance tier

2 Free Checks, Debit Cards, and Overdraft Protection

3 Minimum balance of $1,000 to open Share Certificate/Share Certificate IRA

Rates are subject to change.  Please call the credit union at (609) 951-0700 or (800) 624-3312 for the most current rates.

Certain conditions and restriction may apply to rates, fees, and limits.

  • Auto Loan

    as low as
    4.00
    %
    APR*
    Calculate
  • Credit Card

    as low as
    8.99
    %
    APR*
    Calculate
  • Home Equity Loans

    as low as
    4.49
    %
    APR*
    Calculate
  • Share Secured Loan

    as low as
    4.75
    %
    APR*
    Calculate