Lending Rates
Jersey Shore offers competitive rates for many different loan types.
- Visit our Mortgage Center to get a personalized first mortgage rate quote.
- Visit our Student Loan Center to get rates on a variety of student loans.
Auto Loan Rates
| Model Year | Max Amount Financed | Est. Term | APR* as low as |
|---|---|---|---|
| 2026 or Newer | Under 75% LTV** | Up to 48 Months | 4.24% |
| 2026 or Newer | 75% to 100% LTV** | Up to 48 Months | 4.49% |
| 2025, 2024, and 2023 | Under 75% LTV** | Up to 48 Months | 4.49% |
| 2025, 2024, and 2023 | 75% to 100% LTV** | Up to 48 Months | 4.74% |
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. A 48 Month Auto Loan at a rate of 4.24% APR would equal a monthly payment of $22.69 per $1,ooo borrowed.
Platinum Mastercard Credit Card Rates
| Transaction | Intro APR* | Intro Term | APR* |
|---|---|---|---|
| Purchases | 1.99% | 12 Months | 11.49% to 18.00% |
| Balance Transfers | 1.99% | 12 Months | 11.49% 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) and Mastercard Account Agreement (PDF)
Secured Mastercard Credit Card Rates
| Transaction | Intro APR* | Intro Term | APR* |
|---|---|---|---|
| Purchases | 1.99% | 12 Months | 15.15% |
| Balance Transfers | 1.99% | 12 Months | 15.15% |
| 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) and Mastercard Account Agreement (PDF)
Home Equity Closed-End Loan Fixed-Rates
| 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 5.74% APR will have a monthly payment of $383.74.
Home Equity Line of Credit Variable Rates
| 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 6.50% 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
| 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 of Share or Share Certificate |
Ask about our longer terms and rates.
*APR = Annual Percentage Rate.
RV, Boat & Motorcycle Loan Rates
| Model Year | Max Amount Financed | Est. Term | APR* as low as |
|---|---|---|---|
| 2024 and newer | Up to 100% LTV** | Up to 60 Months | 7.24% |
| 2023 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. RV and Boat loans have a cap of $50,000.
Need to Improve Your Credit?
Jersey Shore cares about your financial success. If your credit is not the best, we can help you improve it with our Credit Builder Program. Having good credit should be a priority, after all — the best credit gets the best loan rates!
