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Current Promotions

A Special Promotion Just for Our Service Men and Women

We are saluting our service members with this special loan promotion. Take an extra 1%APR* off new or used vehicle purchases and refinanced auto loans!

This offer is only available for a limited time, so apply now! 

Promo Code:VET19

*Rate discount offer to qualified members providing the following verification of Veteran status: 1) Department of Defense ID Card with photo, or 2) DD214 Discharge Form. Application must be submitted between 11/11/19 - 11/16/19 to be eligible for this offer. Loan must close by November 30, 2019. Approval subject to standard underwriting guidelines. Auto loan discount for new, used and refinances. Existing SJFCU auto loans are not eligible. Discounted rate will not be lower than 2.99%. Terms and conditions apply. Subject to change at any time at the discretion of the credit union.

A Holiday Loan May Help Make Your Holidays Merry and Bright

Need some extra cash to make your holidays cheery?  Holiday Loan applications will be accepted beginning November 12th. Borrow $1,000, $1,500, or $2,500 at 9.99%APR* for 10 months. 

Apply Online!

*Account must be in good standing with South Jersey Federal Credit Union. Must meet minimum credit requirements to qualify. This product is a fixed rate, closed-end unsecured loan. The above repayment examples are for equal monthly installments. Payments are based on first payment 30 days from the date of the loan and do not include Debt Protection. Proof of income may be required. Any previous Holiday Loan outstanding balances must be satisfied at time of closing. Applications may be submitted until 12/31/19. Subject to change at any time at the discretion of the credit union. Terms and conditions apply.

Our Visa Platinum Credit Card Will Bring You Good Cheer For a Whole Year!

Members who apply for a new Visa card get 0% APR* for 12 months on all new purchases! Rewards points are also available for qualified Members.  

Learn more and apply online!

Promo Code: Q3V2019

*Minimum FICO score of 680 required. Introductory Rate offer for new Visa card members only through December 31, 2019. 0% Introductory Rate offer for a period of 12 billing cycles from account opening date. Introductory Rate offer applies to New Purchases only. The current standard variable rate APR for all advances is 11.40% to 18.0% based on your credit worthiness and will vary with the market based on the U.S. Prime Rate. After the Introductory Rate period ends the standard rate will be applied to all unpaid promotional balances, new purchases, and balance transfers. Penalty APR up to 18.0% applies if you pay late or your payment is returned. Offer is subject to credit approval. Rewards points available for qualified borrowers. Additional terms and conditions apply. Offer may be withdrawn at any time at the discretion of the credit union.

Our Gift to You This Season - No Auto Loan Payments Until Next Year!

We have a gift for you this season, no auto loan payments until next year*! All new and used auto loans, or refinanced auto loans** qualify! Enjoy the season of giving without worrying about your car payment until next year. 

Apply online today!

Promo Code: Q4AL2019

*Loan must close by December 31, 2019 to qualify for this offer. 90 Days deferred payment offer applies to new purchases and refinances of vehicles from other institutions. Interest will continue to accrue from date of loan disbursement. Member must be in good standing. There is no fee for the 90 day deferral period. Subject to normal underwriting terms and conditions. Must meet standard qualifications for approval. This offer requires a minimum 620 FICO credit score and maximum Loan-to-Value (LTV) of 110% based on NADA value (Used Auto) or MSRP (New Auto). LTV calculation does not include any financed GAP or Extended Warranty. Vehicle must be 2016 model year or newer for refinances and 2011 or newer for purchases and not to exceed 120,000 miles. Rate offer is based on creditworthiness as well as other factors including loan-to-value (LTV). Minimum $25,000 amount financed for seven-year financing. Additional terms and conditions apply. Offer may be withdrawn at any time at the discretion of the credit union.

**SJFCU refinances not included in this promotion.

We Are Extending the Summer Heat!

With our extended summer auto loan specials, you can continue to drive into savings! Ready to lower your loan payment? Refinance your auto loan from another financial institution and lower your payments up to 2.0%*. Members with current auto loans at SJFCU qualify for a Visa Gift card up to $400** with a new auto loan! Hurry, these deals are only available until December 31st, 2019!

Apply online today!

Promo Code: Q3AL2019

*This offer requires a minimum 640 FICO credit score and maximum Loan-to-Value (LTV) of 125% based on NADA value (Used Auto) or MSRP (New Auto). LTV calculation does not include any financed GAP or Extended Warranty. Loan must close by December 31, 2019 to qualify for this offer. Vehicle must be 2014 model year or newer and not to exceed 120,000 miles. Rate offer is based on creditworthiness as well as other factors including loan-to-value (LTV). 2% rate reduction subject to following minimum rates: 2.74% (42mos.), 2.99% (54 mos.), 3.49% (66 mos.), 3.99% (78mos.), and 4.49% (90mos.). Minimum $25,000 amount financed for seven-year financing. LTV will be determined using MSRP for new vehicles and NADA for used vehicles. South Jersey FCU reserves the right to request documentation to verify current Annual Percentage Rate (APR). SJFCU vehicle loans not eligible for this offer. Additional terms and conditions apply. Offer may be withdrawn at any time at the discretion of the credit union.

**Loan must close by December 31, 2019 to qualify for this offer. Vehicle purchased must be 2010 model year or newer and not to exceed 120,000 miles. Credit approval is based on creditworthiness as well as other factors including loan-to-value (LTV). LTV will be determined using MSRP for new vehicles and NADA for used vehicles. Amount financed with South Jersey FCU on new purchase from 10,000 - $15,000 will receive $200 Visa Gift Card, $15,001 - $25,000 will receive $300 Visa Gift Card, and $25,001 and above will receive $400 Visa Gift Card at time of closing. Member must have an existing auto loan with South Jersey FCU open a minimum of 12 months with no late payments. Refinance of existing auto loans do not qualify for this offer. One gift card per account. Additional terms and conditions apply. Offer may be withdrawn at any time at the discretion of the credit union.

 

 

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