Accounts

Share Accounts (Savings)

• $5.00 minimum balance required
• Must maintain $100.00 balance in share account to obtain interest
• Quarterly statements
• Limit of 6 automatic withdrawals per month (electronic payments and/or automatic transfers to Share Draft account)

Share Draft Accounts (Checking)

• No monthly service fee
• No minimum balance required
• Overdraft protection 
• Unlimited transfers by phone (during business hours)
• Unlimited transfers using Internet Banking or Telephone Teller
• Overdraft Line of Credit Loan (maximum $2,500.00)
• Eligible to apply for Visa Check Card
• Eligible for free Online Bill Pay access (need to fill out Bill Pay application)
• Monthly statements

Money Market Accounts

• $1,000.00 minimum balance
• Certificate rate of interest without locking in the funds
• Monthly Statements
• 50 free checks per year
• Free Money Orders, Teller's Checks, and Travelers Cheques
• No dividends for the month if the account falls below the minimum balance
• Limit of 4 withdrawals of any kind during a given month
• $15.00 fee for more than 4 withdrawals during a month

Kids Count

• $5.00 minimum balance
• Available to children ages 0 through 12
• Passbook (children keep own records)
• Statement quarterly
• Summer drawing for US Savings Bond

Young Investors

• $5.00 minimum balance
• Available to teens ages 13 through 17
• Statement quarterly
• Summer drawing for US Savings Bond

Holiday Club Savings Plan

• Must maintain $100.00 in Holiday Club to obtain interest
• Automatic transfer into Master Shares Account within the first week of October
• $25.00 early withdrawal fee for any withdrawals made within the year 
• $25.00 service fee for early close out
• Quarterly statements

Vacation Club Savings Plan

• Must maintain $100 in Vacation Club to obtain interest
• Automatic transfer into the Master Shares Account within the first week of April
• $25.00 early withdrawal fee for any withdrawals made within the year
• $25.00 service fee for early close out
• Quarterly statements

Visa Check Card 

• Issued to checking account holders
• Ten ATM withdrawals per month with no fee from the Credit Union
• Additional transaction fee $0.75
• No cost to members to use the CU card at the South Plainfield and Woodbridge ATM
• No fee for Point of Sale transactions, such as retail purchases
• Report lost/stolen cards to the Credit Union during business hours
• Report lost/stolen cards after business hours to (800) 682-6075 or go to Report My Cards located on CJFCU's Home page

Visa Platinum Card

• Member may use the South Plainfield and Woodbridge ATM with no fee except for the Cash Advance Fee
• No Annual Fee
• Personal Identity Theft Coverage
• Report lost/stolen cards to the Credit Union during business hours
• Report lost/stolen cards after business hours to (800) 682-6075 or go to Report My Cards located on CJFCU's Home page

Come In and Learn More About Our Other CJFCU Services:

• Certificates of Deposit
• IRA Accounts
• Payroll Deduction Plans
• Direct Deposit
• Electronic Wire Transfers
• Overdraft Protection
• Bill Pay
• CU@Home