| Model Year |
Max Amount Financed |
Est. Term |
APR* as low as |
| 2023 or Newer |
Under 75% LTV** |
Up to 60 Months |
5.49% |
| 2023 or Newer |
75% to 100% LTV** |
Up to 60 Months |
5.74% |
| 2022, 2021, and 2020 |
Under 75% LTV** |
Up to 60 Months |
5.74% |
| 2022, 2021, and 2020 |
75% to 100% LTV** |
Up to 60 Months |
5.99% |
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
| Transaction |
Intro APR* |
Intro Term |
APR* |
| Purchases |
1.99% |
12 Months |
12.24% to 18.00% |
| Balance Transfers |
1.99% |
12 Months |
12.24% to 18.00% |
| Cash Advances |
n/a |
n/a |
18.00% |
| 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% |
| Max Amount Financed |
Est. Term |
APR* as low as |
| Up to 85% LTV** up to $250,000 |
Up to 60 Months |
5.74% |
| Up to 85% LTV** up to $250,000 |
Up to 84 Months |
5.94% |
| Up to 85% LTV**up to $250,000 |
Up to 120 Months |
6.24% |
| Up to 85% LTV** up to $250,000 |
Up to 180 Months |
6.74% |
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. Example Payment: $20,000 for 60 months at 5.24% APR will have a monthly payment of $379.63.
| Max Amount Financed |
Est. Term |
APR* as low as |
| Up to 85% LTV** up to $250,000 |
10 Year Draw Period |
7.75% |
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.
| Type |
Max Amount Financed |
Est. Term |
APR* as low as |
| Fixed-Rate Loan |
$500-$20,000 |
Up to 48 Months |
10.20% |
| Fixed-Rate Loan |
$500-$20,000 |
Up to 60 Months |
11.20% |
| 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.
| Model Year |
Max Amount Financed |
Est. Term |
APR* as low as |
| 2023 and newer |
Up to 100% LTV** |
Up to 60 Months |
7.24% |
| 2022 and older |
Up to 100% LTV** |
Up to 60 Months |
8.24% |
Ask about our longer terms and rates.
*APR = Annual Percentage Rate. **LTV = Loan To Value
| 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.
