| Instructions for loan applications: |
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 Fill out and sign application and credit agreement
- All loans require that you come to the Credit Union to sign a Security Agreement.
- Supply ALL the information requested on the web application.
- Provide the credit union with a copy of your most recent pay stub (showingY-T-D income and total deductions) at the time of the loan request. (Retiree's must show award letter) FAX # (732) 634-7965.
- Fax, mail, e-mail or bring in the completed application, along with your paystub,.
- Call the credit union the next day for information on you loan request.
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| Personal Loans: |
- Borrow from $500 to $10,000 on your signature (some restrictions apply)
- Repayment terms from 12 months to 60 months
- Rates as low as 9.00% APR
- Use the money for any reason
- Click here to fill out our on-line application.
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New Auto/Motorcycle Loans: |
- Loans for current year models that have not been titled (some restrictions apply)
- Repayment terms up to 84 months (seven years)
- 100% financing available
- Rates as low as 6.50% APR
- Click here to fill out our on-line application.
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Used Auto/Motorcycle Loans: |
- Loans for cars six years old or less
- Borrow up to 60 months (some restrictions apply)
- 100% financing available
- Rates as low as 6.50% APR
- Click here to fill out our on-line application.
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Overdraft Line of Credit: |
- Protect yourself from returned checks
- Linked directly to your checking account and automatically covers checks when funds are not available
- Rates as low as 11.25% APR
- Open-end loan with a maximum limit of $2,500
- Click here to fill out our on-line application.
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Tuition Loans: |
- Cover tuition and housing
- Borrow up to $10,000 for up to 48 months
- Rates as low as 9.25% APR
- Requires proof of enrollment and expenses by faxing or bringing bill
- Issue check to the school
- Click here to fill out our on-line application.
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| Luxury Vehicle Loans: |
- Loans for boats and motor homes are available
- Rates as low as 8.50% APR
- Borrow $$ up to the value of the vehicle
- Call the CJFCU for additional requirements and details
- Click here to fill out our on-line application.
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Share Secured Loans: |
- Borrow an unlimited amount and secure the loan with your share account
- Take up to five years to repay the loan
- Please contact the Credit Union for rates
- Click here to fill out our on-line application.
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Vacation Loans: |
- Borrow up to $5,000.00
- Repayment terms up to 24 months
- Rates as low as 8.00% APR
- Click here to fill out our on-line application.
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VISA Platinum Credit Cards: |
- No Annual Fees
- Limit up to $10,000.00
- Rates as low as 8.75% APR
- Transfer your high interest credit card balances to you low rate Platinum VISA card.
- Click here to fill out our on-line application.
- Applicant must visit one of the offices to sign Visa application before the card is ordered.
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| Home Equity Loans: |
- CJFCU offers Home Equity Fixed and Home Equity Line of Credit
- Member must present copies of the following:
- Deed to the property
- Most recent W-2 (for each applicant)
- Most recent pay stub (for each applicant)
- Verification of existing mortgage (statement for 1st and/or 2nd)
- Most recent property Tax Bill/Assessment
- Homeowners Insurance Policy Declaration Page
- Disability and Life Insurance available (excluding 15 and 20 year fixed rate loans)
- Open a 30-year line of credit and draw on it on it for 10 years
- Apply for a 5, 10, 15, and 20 year fixed rate loan
- Borrow up to 80% of your home's value (minus any existing liens)
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| The right mortgage is just as important as the right home. |
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At Central Jersey, we work hard to make finding, applying, and paying back your mortgage as simple as possible. Whether you’re a first time buyer, refinancing or upgrading to your dream home, Central Jersey will work with you to find a payment to fit your budget and lifestyle. Call (732) 634-0600 ext 4132 for further details.
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