Consumer Loans

  • Personal Loans
    • Unsecured loan to meet unexpected financial needs
    • Loan amounts available up to $20,000
  • Share & Certificate Secured Loans
    • Allows you to borrow against your savings account or CD
    • Loans that are 100% secured with the member's shares have no maximum loan limit and a credit report is not required
    • Your money continues to earn interest even though it is securing a loan
  • Seasonal Loans
    • Holiday, Tax and Vacation Loans available
    • Loan amounts available up to $3,000 with a two year term

  • Student Loans
    • Need additional money for college? As a credit union member, you can apply for a low interest rate loan through a Credit Union Student Loan Network. Click here for more information and to apply!
  • SmartStart Loan for Students
    • Students 18 and older can borrow up to $1,500 for 36 months
    • First Jersey CU will make the last SmartStart Loan payment if the loan runs its full term and all the regular payments have been made on time
  • Cash Line of Credit
    • Pre-established cash line of credit available through most ATM machines
    • Daily withdrawal limit is $500
    • Maximum credit line is $1,500


    Disability & Credit Life Insurance

    First Jersey Loan Calculator Credit Disability Insurance is available at a nominal cost which will pay your loan payments after 14 days of disability, when claims are filed promptly. Click here for a loan calculator to help you decide on your best course of action.

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Download our Consumer Loan brochure