Lending Rates

Lending Rates

Auto Loan Rates

Effective Nov 7, 2022
Model Year Max Amount Financed Est. Term APR* as low as
2022 or Newer Under 75% LTV** Up to 60 Months 4.74%
2022 or Newer 75% to 100% LTV** Up to 60 Months 4.99%
2021, 2020, and 2019 Under 75% LTV** Up to 60 Months 4.99%
2021, 2020, and 2019 75% to 100% LTV** Up to 60 Months 5.24%

Ask about our longer terms, higher loan-to-value, and older car financing.
*APR = Annual Percentage Rate. Rates reflect .25% APR off for auto pay from a Jersey Shore checking account with direct deposit. High mileage on used vehicles may limit term and increase rate. **LTV = Loan To Value

Platinum Mastercard Credit Card Rates

Effective Oct 15, 2022
Transaction Intro APR* Intro Term APR*
Purchases 1.99% 12 Months 10.99% to 18.00%
Balance Transfers 1.99% 12 Months 10.99% to 18.00%
Cash Advances n/a n/a 18.00%

*APR = Annual Percentage Rate. No Balance Transfer Fee. Balance transfer cannot be used to pay off a Jersey Shore Federal Credit Union loan. See full Terms and Disclosures (PDF)Opens in New Window and Mastercard Account Agreement (PDF)Opens in New Window

Secured Mastercard Credit Card Rates

Effective Oct 15, 2022
Transaction Intro APR* Intro Term APR*
Cash Advances n/a n/a 18.00%
Purchases 1.99% 12 Months 15.15%
Balance Transfers 1.99% 12 Months 15.15%

*APR = Annual Percentage Rate. No Balance Transfer Fee. Balance transfer cannot be used to pay off a Jersey Shore Federal Credit Union loan. See full Terms and Disclosures (PDF)Opens in New Window and Mastercard Account Agreement (PDF)Opens in New Window

Home Equity Loan Fixed Closed-End Program Rates

Effective Nov 7, 2022
Max Amount Financed Est. Term APR* as low as
Up to 85% LTV** up to $250,000 Up to 60 Months 4.99%
Up to 85% LTV** up to $250,000 Up to 84 Months 5.19%
Up to 85% LTV**up to $250,000 Up to 120 Months 5.49%
Up to 85% LTV** up to $250,000 Up to 180 Months 5.99%

Rates 1.00% APR higher for Investment Properties. With our closed-end Home Equity Loan you can borrow a set amount for any reason. Contact us for complete details. Investment property Home Equity Loan credit limit is up to $50,000. *APR = Annual Percentage Rate. **LTV = Loan To Value. ***85% Available to 1st lien position only. Consult a tax advisor about interest deductibility.

Home Equity Line of Credit Rates (Variable Rate APR)

Effective Nov 7, 2022
Max Amount Financed Est. Term APR* as low as
Up to 85% LTV** up to $250,000 10 Year Draw Period 6.75%

Our variable rate Home Equity Line of Credit (HELOC) allows you to establish your credit limit up to $250,000. Investment property HELOC credit limit is up to $50,000. Use it for any reason. Contact us for complete details. *APR = Annual Percentage Rate.**LTV = Loan To Value ***85% Available to 1st lien position only. Rates listed are based on the Prime Rate as listed in the Wall Street Journal plus or minus basis points as established by the Board of Directors. Payment based on current rate and 240 month term. Any advances or rate changes made during the billing period may change the payment. Maximum Variable rate is 18.00% APR with a floor of 3.50% APR. There is a $99 annual fee beginning after the first 12 months and each year thereafter.  Fee will be waived if $99 or more in interest was paid in the preceding 12 months. Consult a tax advisor about interest deductibility.

Personal Lending Rates

Effective Nov 7, 2022
Type Max Amount Financed Est. Term APR* as low as
Fixed-Rate Loan $500-$20,000 Up to 48 Months 9.45%
Variable-Rate Line of Credit $500-$2,000 Revolving 14.50%
Share and Share Certificate Secured Loan Up to 100% Up to 60 Months 2.50% APR* above dividend rate being earned on the Share Savings or Share Certificate.

Ask about our longer terms and rates.
*APR = Annual Percentage Rate. 

RV, Boat & Motorcycle Loan Rates

Effective Nov 7, 2022
Model Year Max Amount Financed Est. Term APR* as low as
2022 and newer Up to 100% LTV** Up to 60 Months 6.49%
2021 and older Up to 100% LTV** Up to 60 Months 7.49%

Ask about our longer terms and rates.
*APR = Annual Percentage Rate. **LTV = Loan To Value

Credit Builder Loan Rate

Effective Oct 15, 2018
Max Amount Financed Est. Term APR* as low as
$300 - $5,000 Up to 48 Months 12.75%

This loan is designed to improve your credit worthiness. *APR = Annual Percentage Rate.