Membership Information

Enjoy all the benefits credit union membership has to offer. As a not-for-profit financial institution founded in 1929, we are owned and operated by our members for the benefit of our members. Unlike other financial institutions that need to generate profits to satisfy stockholders, we return excess earnings to our members through higher dividend rates on savings and investment accounts, competitive interest rates on loans, and numerous low-cost or free services.

At First Jersey Credit Union we make it easy and convenient to save. You can deposit funds through direct deposit, payroll deduction, in person, through the mail, or through some ATM machines!

Membership is free and easy at First Jersey Credit Union. Membership benefits include:

Savings and Investment Accounts

  • Certificates of Deposit
  • Super Saver Accounts
  • Holiday and Vacation Club Accounts
  • Traditional and Roth IRAs, Coverdell Education Savings Accounts and Certificates
  • Mighty Savers Kids Accounts
  • Student's First Choice Package

Freedom Checking

  • No minimum balance or monthly fee
  • Unlimited check writing
  • Interest bearing
  • Overdraft Line of Credit available

VISAŽ Platinum/Gold/Classic/Share Secured Credit Cards

  • Low interest rates
  • No annual fee
  • No cash advance fee
  • Money-saving balance transfers

Loans

  • Personal Loans
  • Share Secured Loans
  • Student Loans
  • Seasonal Loans (Tax, Vacation and Holiday)
  • Cash Line of Credit
  • New and Used Vehicle/Boat/Motorcycle Loans
  • Fixed and Adjustable Rate Mortgages
  • Bi-Weekly Mortgages
  • Fixed Rate Home Equity Loans
  • Home Equity Line of Credit

We also offer

  • Scholarships
  • FREE Online Banking & Bill Payment
  • FREE ATM/MasterCard Debit Card
  • FREE Notary Service
  • Travelers Checks
  • American Express Gift Cheques
  • Visa Gift Cards
  • Western Union
  • Money Orders
  • Savings Bonds
  • Credit Life and Credit Disability Insurance
  • Certified Checks
  • Safe Deposit Boxes
  • FREE Coin Counting Machine
  • 2000+ Shared Branches
  • Access to 25,000+ surcharge free ATMs via the CO-OP Network