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Current Promotions

Set your sights to low auto loan rates!

From now until September 30th, you can drive away with a rate as low as 1.99%* APR. New, used or refinanced loans qualify. Hurry, the clock is ticking on this special rate!

Promo Code: Q3AL20

Apply today!

*This offer requires a minimum 720 FICO credit score and maximum Loan-to-Value (LTV) of 125% based on lower of purchase price (if applicable) or NADA value (Used Auto) / MSRP (New Auto). Maximum term 66 months. New Auto includes 2021 and 2020 Model Year and 2018-2019 Model Year with less than 20,000 miles. Used Auto model year 2011 and newer for purchases and 2016 and newer for refinances.  LTV calculation does not include any financed GAP or Extended Warranty. Must place application by September 30th to be eligible for this offer. Membership in South Jersey Federal Credit Union required. To establish Membership, you must first open Statement Savings account with a minimum balance of $25.00 and a Checking Account to qualify for offer. Account must have qualifying direct deposit and debit card. Qualifying direct deposit include your paycheck, pension, government benefits (such as social security), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account. Person-to-person and bank transfers between your accounts you have at another financial institution do not qualify. Direct deposit must be made into the account within 30 days of account opening, if not already established in order to qualify for loan, in addition to other credit requirements.  Must meet standard qualifications for approval. Other rates and terms available. Existing South Jersey Federal Credit Union auto loans are not eligible for this refinance offer. Offer may be withdrawn any time at the discretion of the credit union.

 

Stop juggling bills and consolidate with our Home Equity Loans!

Want to build a backyard oasis? Renovate your kitchen? Or manage high-interest debt? SJFCU offers home equity loans as low as 2.99%* APR for five years and introductory home equity lines of credit as low as 2.49%**APR. Terms and conditions apply. Speak to a member service representative for more information.

Promo Code: Q1HE20

Apply Today for a Home Equity Loan or HELOC

*Home Equity -  Minimum amount borrowed for new loans and refinances is $10,000. Minimum 680 FICO score is required. To establish Membership, you must first open Statement Savings account with a minimum balance of $25.00 and a Checking Account to qualify for offer. Account must have qualifying direct deposit and debit card. Direct deposit must be made into the account within 30 days of account opening, if not already established in order to qualify for loan, in addition to other credit requirements.  All new members must meet account opening requirements and not have had prior membership within the past 2 years. Offer good on owner occupied primary residence (up to four units) up to 90% LTV including any existing first mortgage balance. Term for 2.99% rate is 60 months. Term for 3.99% rate is 120 months. If loan is paid off within the first (36) months you agree to reimburse the Credit Union for any third party fees paid on your behalf. Title insurance required for loan amounts over $100,000. Terms and conditions apply. Other home equity loan rates and terms available to qualified borrowers. All rates and terms subject to change at the discretion of the credit union. Interest may be tax deductible. Consult a tax professional. Standard closing costs apply. Contact the credit union for additional details.

** HELOC – Home Equity Line of Credit (HELOC) introductory rate will be 2.49% on all new money advanced for a 12-month period of time from the date of the line account opening. To establish Membership, you must first open Statement Savings account with a minimum balance of $25.00 and a Checking Account to qualify for offer. Account must have qualifying direct deposit and debit card. Direct deposit must be made into the account within 30 days of account opening, if not already established in order to qualify for loan, in addition to other credit requirements.  All new members must meet account opening requirements and not have had prior membership within the past 2 years. Upon expiration of the introductory rate, all balances will accrue interest at the variable annual percentage rate (APR) in effect for your account based on loan to value (LTV) and creditworthiness. Your APR may vary. Regular HELOC rates based on Prime Rate published in the Wall Street Journal on the last business day of the month plus a margin with a floor rate of 3.50%. Maximum rate is 18.0%. The introductory APR will automatically terminate at the end of the 12-month introductory period. No notice to borrower is required. Offer good on owner occupied primary residence (up to four units) only up to 90% LTV including any existing first mortgage balance. Borrower responsible for title insurance for any HELOC over $100,000. Terms and conditions apply. Other rates and terms available to qualified borrowers. If credit line is closed within the first (36) months you agree to reimburse the Credit Union for any third party fees paid on your behalf. Rates and terms subject to change at the discretion of the credit union. Contact the credit union for additional details.

 

 

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