Jersey Shore Credit Card Balance Transfer Special

Our Jersey Shore Credit Card offers:

  • 1.99% APR* on all balance transfers for 12 months when completed within the first 90 days of account opening

  • 1.99% APR* for purchases made during the first 12 months of account opening
  • No Balance Transfer Fee and No Annual Fee

  • Make payments in our branches, online, and using our Mobile App

*MasterCard Credit Card Disclosure and Agreement

Card Benefits When Used For Traveling, Shopping, and More:

  • Travel Accident Insurance
  • Baggage Delay
  • Trip Cancellation/Interruption
  • Medical Evacuation and Repatriation
  • Trip Delay
  • Auto Rental Collision Damage Waiver
  • Lost or Damaged Luggage
  • Buyers Protection Insurance
  • MasterCard Airport Concierge
  • Extended Warranty
  • Price Protection
  • Identity Theft Alerts and Protection
  • MasterCard Global Service

To view Benefit details and to learn how to file a claim, please read:


Don't Be Fooled By 0% APR* Balance Transfer Offers

The below chart shows a comparison of our "Jersey Shore FCU Credit Card" to an example "Other Credit Card” which offers a 0% intro rate for 12 months. This often appears to be the better deal at first glance, but upon further calculations, you might find it surprising that Jersey Shore still has the better deal at 1.99% for 12 months. This is because we have NO balance transfer fee, while a credit card that may have a 0% intro rate may have a minimum 3% balance transfer fee. With the example below, you’ll see we offer the better deal!

Financial Institution

Intro APR*

Intro Term

APR* After Intro Term

Balance Transfer Fee

Amount of Balance

Paid Balance Transfer Fee

APR* Paid

Total Paid

Jersey Shore FCU Credit Card


12 Months

As Low As 9.74%






Other Credit Card


12 Months

As Low As 10.99%

3.00% of Balance Amount





As you can see, the "Other Credit Card" is costing you almost 3X as much money in this example. Consider how much more money you would pay on your balance at a rate higher than our Jersey Shore Credit Card with a 1.99% Intro APR*, NO annual fee, and NO balance transfer fee.


e-Branch for Managing Your Credit Card or To Make A Balance Transfer

e-Branch is our online banking. When you sign up for e-Branch and you have our NEW MasterCard Credit Card, you'll be able to click on the "Credit Card" tab and you can:

  • Enroll in e-Statements for convenient and secure access
  • Check your balance
  • View recent transactions
  • Make a payment to your card
  • Set alerts, such as notifications for online and foreign country transactions
  • Make a balance transfer by selecting the "Balance Consolidation" link under Quick Links
  • And so much more
Learn how to sign up for e-Branch now.

Mobile App For Managing Your Credit Card

We have a free app to help you manage your credit card on the go! Just download the JSFCU Card app to your device as follows:

  • iPhone and iPad* users visit Apple's App Store
  • Android users visit Google Play Store

With this app you can do the following:

  • View recent transactions
  • View next payment amount and due date
  • Make a payment to your card
  • Report a card lost or stolen
  • Raise a dispute on any transaction
  • Activate a card

Apply Today!

There are several convenient ways to apply:

  • Login to e-Services (upper left corner) and click on the e-Loan Application button. If you haven't used our e-Services Login, learn more now.
  • In person at any office location
  • Contact our Call Center at (609) 646-3339 or toll-free at 1-888-322-2848, Option 2
*APR=Annual Percentage Rate. Balance transfer cannot be used to pay off a Jersey Shore Federal Credit Union loan. For complete details, please click on the links for our MasterCard Credit Card Disclosure and Agreement.