Current Rates

Current Rates

Auto Loan Rates

Effective Jan 1, 2023
Model Year Max Amount Financed Est. Term APR* as low as
2023 or Newer Under 75% LTV** Up to 60 Months 4.99%
2023 or Newer 75% to 100% LTV** Up to 60 Months 5.24%
2022, 2021, and 2020 Under 75% LTV** Up to 60 Months 5.24%
2022, 2021, and 2020 75% to 100% LTV** Up to 60 Months 5.49%

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 Jan 15, 2023
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%

*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 Jan 15, 2023
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 Jan 1, 2023
Max Amount Financed Est. Term APR* as low as
Up to 85% LTV** up to $250,000 Up to 60 Months 5.24%
Up to 85% LTV** up to $250,000 Up to 84 Months 5.44%
Up to 85% LTV**up to $250,000 Up to 120 Months 5.74%
Up to 85% LTV** up to $250,000 Up to 180 Months 6.24%

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.

Home Equity Line of Credit Rates (Variable Rate APR)

Effective Jan 1, 2023
Max Amount Financed Est. Term APR* as low as
Up to 85% LTV** up to $250,000 10 Year Draw Period 7.25%

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 Jan 1, 2023
Type Max Amount Financed Est. Term APR* as low as
Fixed-Rate Loan $500-$20,000 Up to 48 Months 9.70%
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 Jan 1, 2023
Model Year Max Amount Financed Est. Term APR* as low as
2023 and newer Up to 100% LTV** Up to 60 Months 6.74%
2022 and older Up to 100% LTV** Up to 60 Months 7.74%

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

Credit Builder Loan Rate

Effective Jan 1, 2023
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.

Savings Dividend Rates

Effective Nov 1, 2022
Account Balance Dividend Rate APY*
Regular, Secondary, Holiday, Vacation all balances 0.10% 0.10%
Surf Club up to $1,000 0.20% 0.20%

*APY= Annual Percentage Yield.
View Savings Disclosure

Certificate Dividend Rates

Effective Nov 1, 2022
Term Balance Dividend Rate APY*
6 months $1‚000.00 - $24‚999.99 0.85% 0.85%
6 months $25,000.00 and above 0.90% 0.90%
12 months $1‚000.00 - $24‚999.99 1.50% 1.51%
12 months $25‚000.00 and above 1.55% 1.56%
18 months $1‚000.00 - $24‚999.99 1.60% 1.61%
18 months $25‚000.00 and above 1.65% 1.66%
24 months $1,000.00 - $24,999.99 2.00% 2.02%
24 months $25,000.00 and above 2.05% 2.07%
36 months $1,000.00 - $24,999.99 2.30% 2.32%
36 months $25,000.00 and above 2.35% 2.38%
48 months $1,000.00 - $24,999.99 2.40% 2.43%
48 months $25,000.00 and above 2.45% 2.48%
60 months $1,000.00 - $24,999.99 2.40% 2.43%
60 months $25,000.00 and above 2.45% 2.48%

*APY= Annual Percentage Yield.
View Certificate Disclosure

Money Market Dividend Rates

Effective Nov 1, 2022
Tiered Amount Dividend Rate APY*
$500.00 to $24,999.99 0.25% 0.25%
$25,000.00 - $49,999.99 0.35% 0.35%
$50,000.00 and above 0.50% 0.50%

*APY= Annual Percentage Yield.
View Money Market Disclosure