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When you need to borrow for any reason see us first. We offer
a full range of mortgage products, and a wide variety of loans for all your borrowing
needs. We have competitive rates and flexible terms, plus we'll customize loans
to suit your needs! Choose from:
Loan Department: 732-445-0858
Fax: 732-445-0387
New & Used Auto Loans
Looking for your next vehicle? We offer Auto Loans with
great rates and flexible terms to help you get that car,
truck, or SUV you've been waiting for. We offer:
- 100% financing
- 2, 3, 4, 5, and 6 year terms
- Same low rates for new and used autos
NADA
Used Car Guide
Car
Loan Calculator
Boat / Recreational Vehicle Loans
We offer Boat/RV Loans for the purchase of new and used
boats/rvs. The loan rates vary according to the term selected.
You'll enjoy:
- 100% Financing
- 2, 3, 4, 5, and 6 year terms
- Same low rates for new and used boats
Personal Loans
A Personal Loan is your all purpose loan solution. Use
it for a new computer, a vacation, or anything else you
might need. You can also use for overdraft protection to
"bounce proof" your Checking Account. Your signature
and good credit are all you need for this loan.
- Borrow up to $7,500
- Terms from 1 to 48 months
- Same low rate for any term
Share Secured Loans
Before you withdraw funds from your Share Savings Account
for a purchase, consider a Share Secured Loan. Since your
loan is secured by your savings, the interest rate will
be just 3% above the current rate paid on your Share Account
which makes it perfect for large purchases.
- Borrow up to 100% of the funds in your Share Account,
less the $25 membership pledge
- Terms from 1 to 60 months
- Funds become available as you pay down the loan
Second Mortgage Fixed Rate Loans
Need a loan? Just ask your house. A Second Mortgage
Loan from Rutgers Federal Credit Union is a closed-end loan
secured by the equity in your home. Use it for home improvements,
debt consolidation or any other borrowing need.
- Borrow up to 80% your home's equity
- 5, 8, and 10 year terms
- No application fees
- No points
- No appraisal fees
- No processing fees
- No prepayment penalty*
Note: Your home must be located in the state of New Jersey
and be your primary residence to be eligible for this loan.
The following documentation is required to process your
second mortgage application:
- Endorsement page of Title Insurance Policy
- Copy of Deed
- Current Mortgage information
- Homeowner’s Insurance Policy (declaration page)
- Copy of prior year Federal Income Tax
- Fully completed residential loan application, available
at any of our offices.
*Only applies if loan is active over 1 year.
Home Equity Line of Credit
When you have recurring expenses like financing an education
or on going home improvements, consider a Home Equity Line
of Credit. This loan is a revolving line of credit secured
by a lien on your primary residence. You can borrow as you
need to, and funds become available again as you pay the
balance. The interest rate is variable, and equal to the
prime rate.
- Borrow up to 80% your home's equity
- 15 year term
- No application fees
- No points
- No appraisal fees
- No processing fees
- No prepayment penalty*
Note: Your home must be located in the state of New Jersey
and be your primary residence to be eligible for this loan.
The following documentation is required to process your
second mortgage application:
- Endorsement page of Title Insurance Policy
- Copy of Deed
- Current Mortgage information
- Homeowner’s Insurance Policy (declaration page)
- Copy of prior year Federal Income Tax
- Fully completed residential loan application, available
at any of our offices.
*Only applies if loan is active over 1 year.
First Mortgages
When you're ready to purchase your first home or move up to a larger one,
see us first. We offer a full range of mortgage products. We even have mortgage
programs available with down payments as little as 3% to help you realize your
dream of home ownership.
- 10, 15, 20 and 30 year Conventional Mortgages
- 10, 7, 5 and 1 year Adjustable Rate Mortgages
- FHA Mortgages
- Jumbo Mortgages
- Refinancing of your current mortgage
For more information call our First Mortgage Hotline at 1-866-414-2284.
Learn
More
Visa Classic, Gold & Platinum Credit Cards
When you need reliable credit look no further than your
credit union. We have three great Visa Credit Card options,
one of them is right for you. They are welcomed at more
than nine million locations and give you access to cash
at more than 350,000 locations worldwide.
Visa Classic 12.00% APR*
Visa Gold 11.00% APR*
Visa Platinum 9.9% APR*
With all our cards you'll enjoy:
- No annual fee
- Low annual percentage rate
- 25-day grace period for interest charged on purchases
- Credit lines up to $20,000
- No cost travel accident insurance (up to $100,000 on
the Classic card and up to $500,000 on the Gold card for you and your eligible
dependents when you purchase your common carrier tickets
with the cards)
- Earn Scorecard Points points to be used for gifts and
travel
Additional Gold Card Benefits:
Emergency and Travel Assistance Services - cover
you when you're 100 or more miles from home. They include
Travel Information Service, Worldwide Emergency Medical
and Legal Assistance, Airline Ticket Replacement and Lost
Luggage Assistance.
Rental Collision/Loss Damage Insurance - provides
automatic protection when you decline car rental company
coverage.
Purchase Protection - at no additional cost. This
protects most items you buy from theft or damage and extends
the manufacturer's US warranty.
 eZCardInfo
Acess your VISA accounts online.
* APR - Annual Percentage Rate. Other restrictions may
apply. Rates subject to change without notice.
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