Rates/Fees

Deposit RatesLoan RatesFee Schedule

Deposit Rates

Deposit Rates – effective 10/01/2016
                                    Minimum Balance     Dividend Rate Annual Percentage Yield
Savings & Checking*
Regular Savings$100.000.05% 0.05%
IRA Savings $100.000.10%  0.10%
Holiday Club$100.000.10% 0.10%
Vacation Club$100.000.10% 0.10%
Checking$250.000.00% 0.00%
Money Market $1,000.000.10% 0.10%
  *fees could reduce the earnings on accounts                 
Share Certificates**  
12 Months$500.000.20%0.20%
24 Months$500.000.30%0.30%
36 Months$500.000.40%0.40%
48 Months$500.000.60%0.60%
60 Months$500.001.00%1.00%
IRA Certificates** 
12 Months$500.000.20%0.20%
24 Months$500.000.30%0.30%
36 Months$500.000.40%0.40%
48 Months$500.000.60%0.60%
60 Months$500.001.00%1.00%

**penalty will be imposed for early withdrawal

All Rates are subject to change at any time without notice. While CJFCU attempts to keep all of the rates posted on this site up to date, there may be periods when this is not possible. Please contact the credit union to verify these rates.

APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates stated are available to CJFCU Members only. Fees may reduce earnings on deposits, see fee schedule for details. For account terms and conditions, please contact a Credit Union Representative or see your “Terms and Conditions of Your Account” disclosure.  For all savings (share) accounts, you may make up to six transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer includes any arrangement with us to pay a third party from your account at (1) a predetermined time; (2) on a fixed schedule or (3) upon or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you.

Checking (Share Draft) Accounts:

  • 1st Choice Checking: Available for members ages 18-25. There is no minimum opening deposit requirement. Minimum balance to earn the stated APY is $250.00. Account will be converted to a Basic or Gold checking account, based on the credit union’s standard terms, at the time of the owner’s 26th birthday.
  • Basic Share Draft: There is no minimum opening deposit requirement. Minimum balance to earn the stated APY is $250.00. There is a $2.95 monthly service fee.
  • Gold Share Draft: There is no minimum opening deposit requirement. Minimum balance to earn the stated APY is $250.00.
  • Money Market: There is a $1,000.00 minimum opening deposit requirement. Minimum balance to earn the stated APY is $1,000.00. There is a limit of four (4) withdrawals of any kind per month. An excess withdrawal fee of $15.00 per withdrawal will be assessed for each withdrawal in excess of the four (4) permitted.

Savings (Share) Accounts:

  • Master Savings: There is a $5.00 minimum opening deposit requirement. Minimum balance to earn the stated APY is $100.00.
  • Sub Savings: There is no minimum opening deposit requirement. Minimum balance to earn the stated APY is $100.00.
  • IRA Savings: There is no minimum opening deposit requirement. Minimum balance to earn the stated APY is $100.00.
  • Holiday/Vacation Club Accounts: There is no minimum opening deposit requirement. Minimum balance to earn the stated APY is $100.00. If you close your account before dividends are paid, you will not receive the accrued dividends. Penalties apply for early withdrawal(s).                              

Share Certificate Accounts:

  • Share and IRA Certificates: There is a $500.00 minimum opening deposit and minimum balance to earn stated APY. Penalties apply for   early withdrawal. At the end of the certificate term, Share certificates will be deposited into the Master Savings account. IRA certificates will automatically renew for a term equal to the original term at the current dividend rate, unless we receive written notice from you prior to maturity. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.     

 

 

Loan Rates

Loan Rates - effective 01/05/2017
APR* Term
Visa Platinum Credit Card7.75%n/a
Vehicle3.75%up to 84 months
Educational5.75%up to 48 months
Share SecuredShare Div. Rate + 4.25%up to 60 months
Personal7.50%up to 60 months
Overdraft LOC8.00%n/a

All Rates are subject to change at any time without notice. While CJFCU attempts to keep all of the rates posted on this site up to date, there may be periods when this is not possible. Please contact the credit union to verify these rates. Use our CALCULATOR link(s) to calculate monthly payments based on the rate, term and amount you enter.

APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates stated are available to CJFCU Members only. All loans are part of our Rewards Based lending program. Loan and credit card rates are lowest rates offered for qualified applicants. Actual rate will be based on term and individual creditworthiness. The maximum APR that may be imposed on any loan plan is 18.00%.  Loan applications are good for 30 days from date of submission. Your loan payments will be due monthly and payments will be calculated to pay off the loan balance in approximate equal monthly payments by the maturity date. Your interest rate will not change over the life of your loan.

Credit Card Loans:

Rate as displayed will vary with the market based on the Prime Rate. Maximum loan amount $10,000; (see credit card agreement for loan details)  

Vehicle Loans:

New and used auto loan rates in effect for loans applied for. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Must be a member in good standing and meet all lending requirements. Loan amounts of $14,999 or lower have a maximum term of 60 months. Loan of $15,000 or higher have a maximum term of 84 months. Vehicles eligible for used auto loan or refinance rates are 5 years old or newer; for vehicles older than 5 years, financing dependent on vehicle value.

Term APR Monthly Payment per $1,000 Borrowed
12-60 Months 3.75% $ 18.35
4.00% $ 18.46
6.25% $ 19.52
8.00% $ 20.37
14.00% $23.45
15.25% $24.12
61-84 Months 4.00% $ 13.70
4.25% $13.82
6.50% $ 14.91
8.25% $15.79
14.25% $19.03
15.50% $19.74

 

 

 

 

 

 

 

 

 

 

 

 

Educational (Tuition) Loans:

Maximum loan amount $10,000; longest term 48 months

Term APR Monthly Payment per $1,000 Borrowed
12-36 Months 5.75% $ 30.41
6.25% $ 30.64
7.50% $ 31.23
10.00% $ 32.44
12.25% $ 33.55
14.25% $ 34.56
37-48 Months 6.00% $ 23.56
6.50% $ 23.80
7.75% $24.40
10.25% $ 25.63
12.50% $ 26.76
14.50% $ 27.79

 

 

 

 

 

 

 

 

 

 

 

 

Personal Loans:

  • Share Secured Loan: Borrow up to the available balance in your share account (funds will be pledged). APR is variable based on the dividend rate plus 4.25% and may change monthly. Repayment terms for 60 month loan at 4.30% would consist of 60 monthly payments of $18.60 per $1,000.00 borrowed. Interest accrues from the date the loan is funded
  • Share Certificate Secured Loan: Term restrictions may apply based on underwriting criteria. Repayment terms dependent upon rate of Certificate Account used to secure the loan.
  • Overdraft Line of Credit: Maximum loan amount of $2,500.00. Repayment does not consist of a fixed monthly payment but is based on a monthly payment of 0.05% of the outstanding balance with a minimum payment of $ 25.00. Payments are not fixed.
  • Signature Loan: Maximum loan amount $10,000.00; longest term is 60 months. Interest accrues from the date the loan is funded.
Term APR Monthly Payment per $1,000 Borrowed
12-36 Months 7.50% $ 31.16
8.00% $ 31.39
9.00% $ 31.86
12.50% $ 33.54
15.75% $ 35.15
17.75% $ 36.16
37-48 Months 7.75% $ 24.34
8.25% $ 24.58
9.25% $ 25.06
12.75% $ 26.78
16.00% $ 28.44
18.00% $ 29.49

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate Loans call (732) 634-0600  for  Current Rates

 

Fee Schedule

Fees Schedule  – effective 07/01/2017
Account Analysis$30.00  (per hour)
ATM withdrawal  (excess withdrawals over 10 per month)$1.00
Bill Payment (Online)no charge
Cashier Check$3.00
Certified Check$10.00
Check Cashing  (non-member)$10.00
Check Mailing*$2.00
Copy of Member Draft$7.00
Dormant Account**$10.00
Holiday /Vacation Club  (early withdrawal or closing)$30.00
Levy/Garnishment Processing$30.00
Money Market  (excess withdrawals over 4 per month)$15.00 
Money Order$2.00
Notaryno charge
NSF Member Share Draft / EFT Debit$35.00
Online Banking w / E-Statementsno charge
Paper Statement Fee***$2.00 (per statement)
Printout of Account *$3.00 (per page)
Return Deposited Check$30.00
Returned Mail (statements only)$3.00
Share Draft Account Fees: 
Basic  $2.95  (per month)
Gold****no charge
1'st Choice**** no charge
Stop Payment:
Cashier Check / Money Order  $15.00 
Member Share Draft / EFT Debit  $35.00
Subordination Agreement$150.00
Visa Credit / Debit Card Replacement$10.00
Visa Credit / Debit Card Rush Mailing$40.00
Visa Credit / Debit Non-Fraud Dispute$25.00
Wire Transfers:
Incoming Domesticno charge
Outgoing Domestic$15.00
*This service is free via CJFCU's Internet Banking and/or Telephone Teller; 
**Savings accounts with no activity for 1 year will be charged a $10.00 monthly fee until the account reaches a zero balance. At that time, the account will be closed;
***Effective 07/01/2017 (ages 65 and older excluded);
****Account restrictions apply. See account disclosure for details and limitations