Safety and security are two major considerations
when evaluating any financial institution. You can rest assured that your
money is safe with N.J.L. & P.S. Credit Union. In fact, credit unions
are the most secure of all financial organizations in the world.
Protected by the National Credit Union Administration
(NCUA), an agency of the United States Government, member's deposit accounts
are insured for up to a combined total of $250,000. No one has ever lost
a penny placed in trust with a federally-insured credit union (in compliance
with the Federal Truth-In-Savings Act).
Loan Rates - Auto loans, Personal Loans, Visa Cards
We lend 100% of Kelly Blue Book - Used Car Guide
Terms Determined by Age of Car - Up to 7 years
.25% discount if payroll deducted
24
-72 MO Term
2.74% - 12.99%
Rate is determined by credit risk score.
Personal Loans/Unsecured
Personal
Loans/Unsecured
Rate is determined by credit risk score.
Up to
48 MO Term
Up to
$10,000 maximum
Closed End
10.00% - 16.00%
Open End
- Credit Line
10.00% - 14.00%
Due to the increasing cost of processing all loans, there will be a $5 fee assessed to member's account if
loan is not approved due to derogatory or delinquent credit.
Visa Cards
Visa Cards
APR
Limit
Gold
10.9% APR
$5000 - $15,000
Credit Limit
Classic
12.9% APR
$500 - $5000
Credit Limit
Home Equity Loans
Fixed Rate Terms
80%
80%
90%
90%
100%
100%
market value
w/payroll deduct
market value
w/payroll deduct
market value
w/payroll deduct
** Up to 100% of Market Value for Qualified Members **
3 years
3.54%
3.29%
4.54%
4.29%
5.54%
5.29%
4 years
3.59%
3.34%
4.59%
4.34%
5.59%
5.34%
5 years
3.84%
3.59%
4.84%
4.59%
5.84%
5.59%
7 years
4.19%
3.94%
5.19%
4.94%
6.19%
5.94%
10 years
4.34%
4.09%
5.34%
5.09%
6.34%
6.09%
** Please call our Loan Department at 609-393-1363 for complete details.
