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Perth Amboy: (732) 442-5648  •  Linden: (908) 523-0008  •  Toll Free: 1-800-333-7713
 
Loan Products
     

Car Loans

Looking to buy a car? Our competitive low interest car loans make owning the car or SUV of your dreams more affordable. You can also choose an affordable repayment term. And, depending on your lifestyle needs, you can have more than one car loan with us.

  • Low, fixed interest rates
  • Repayment terms up to 72 months (for loans over $30,000)
  • Financing up to 100% (new cars only with GAP Plus protection purchased from the Credit Union)
  • Loan payments can be automatically withdrawn from your share (savings) or share-draft (checking) account
  • Prepayment option- you can always make a larger payment with no prepayment penalties

Personal Loans

Need to cover unexpected expenses? Don't worry; you can always apply for our convenient personal loan. We promise prompt loan application processing.

Working hard for your money does not always guarantee that you will have the extra cash on-hand to pay for that well deserved vacation, your child's education, large personal purchases, home improvements, or sudden emergencies. Also, if you are paying high interest rates on your credit cards or other bank loans, our Personal Loans have low interest rates and are a great opportunity to consolidate your debt to one affordable monthly payment. The limit on our unsecured loan is $15,000.

We also offer Secured loans for up to the amount deposited in your share (savings), certificate accounts

  • Low, fixed interest rates
  • Repayment terms up to 60 months
  • Signature loans for up to $15,000 (loans over $5,000 require a co-signer)
  • 20% of the loan balance is required as a security deposit for the signature loan
  • Loan payments can be automatically withdrawn from your share (savings) or share-draft (checking) account
  • Prepayment option- you can always make a larger payment with no prepayment penalties

Holiday/Vacation Loans

Our Credit Union offers Vacation/Holiday Loans for up to $2,000 and maximum term of 6 months. If you are planning to go on vacation or need cash for holidays, this loan will be the best solution for you. Apply online or in person.

  • As low as 9.00APR*
 
 
       
 
 
       
 
This credit union is federally insured by the National Credit Union Administration.
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