Credit Union of New Jersey Perks@Work

You work for the State of New Jersey. We work for you.

Walk in like you own the place—because you will. Being member-owned and not-for-profit, we have you in mind with every financial product we offer.

A credit union created over 75 years ago for state government employees.

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Here to stay.

75 years go by quickly—it seems like only yesterday we opened our doors to serve New Jersey State Highway Department employees.

Now, after seven and half decades, we're helping nearly 40,000 members find the freedom to prosper.

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Prosper wherever you are.

If it’s one thing we’re obsessed with, it’s continually improving our members’ experience with Credit Union of New Jersey. With our mobile-first philosophy, we've made sure we’re there whenever you need us—and wherever you happen to be.

Our easy-to-use app is a mobile branch right on your smartphone, and we offer simple online account opening and online loan applications.

Combine that with a network of over 43,000 surcharge-free ATMs and 5,000 shared branches, getting paychecks up to a day early7 with direct deposit and so much more, and you'll see why our members love banking with us.

From unforgettable member service to powerful mobile banking options, everything we do is based on a single driving force: giving you the freedom to prosper.

Become a member

Bonuses everywhere you look.

Credit Card? More Like a License to Prosper.

Upgrade your swiping power with a Platinum Rewards MasterCard® Credit Card and get 0.00% APR1 for 12 months, plus 5,000 bonus points. After that APR is as low as 9.15% to 17.15% variable.

View pricing terms and disclosures here. Read the Credit Card Consumer Agreement here.

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Enter "State perks" in the application comment section to qualify.

Enjoy 5.00% APY6 on your first $500

Earn bigger and save better with our High-Rate Savings Account.

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Enter "State perks" in the application comment section to qualify.

But wait! There's even more.

When you join Credit Union of New Jersey, you'll never go back to banking again.
Everything you need—and so much more—is right here.

We also have well-situated branches—including offices in downtown Trenton and in the DOT building in Ewing—when you need more personal attention.

Meet your new online tools

BALANCE A free financial counseling service with an online library of educational resources.
Anytime Adviser Vehicle and home buying, checking accounts, credit management and identity protection assistance.
SavvyMoney A money management tool that can help you improve all aspects of your financial health.
Free Financial Counselors Free Financial Counselors Enjoy one-on-one, confidential access to our team.
Free Financial Ed Free Financial Education Regular seminars and webinars on topics that matter most to you.
Free Onsite Visits Free Onsite Visits We'll answer all your questions, get you started and keep you on track.

Are you ready to help carry on a 75-year tradition?

Becoming a Credit Union of New Jersey member means taking advantage of all these perks and more right away.

Join Credit Union of New Jersey today
1

APR = Annual Percentage Rate. Platinum Rewards Mastercard Introductory APR is for a period of 12 billing cycles. After that, your APR will be 9.15% to 17.15% variable based on your creditworthiness. Existing CU of NJ credit card balance transfers do not qualify for this promotional rate. This APR will vary with the market based on Prime Rate. $5 minimum Share Savings deposit required. Membership relationship in good standing is required. Minimum $500 monthly direct deposit or payroll deduction is required. This offer can be discontinued at any time at the discretion of CU of NJ.

2

The credit union will provide a $500 credit towards your closing costs for any Mortgage Loan approved through CU of NJ. This offer can be discontinued at any time at the discretion of CU of NJ.

3

APR=Annual Percentage Rate. Maximum discount of 1% APR off including combinations from other programs. Loan rate floor is 2.24% APR, which is the lowest APR available including discounts. Rate based on your creditworthiness. The loan payment is $42.65 per $1,000 borrowed at 2.24% for 24 months. Loans subject to credit approval. $5 minimum Share Savings deposit required. Membership relationship in good standing is required. Rates subject to change at any time. Loan discount excludes first mortgages, home equity, credit card, lifestyle, business, student and line of credit loans. Minimum $500 monthly direct deposit or payroll deduction is required. This offer can be discontinued at any time at the discretion of CU of NJ.

4

Accepting the terms of "no payment for 90 days offer" will extend the maturity of your loan for at least 90 days but less than 110 days. This offer of "no payment for 90 days" is valid on new or used vehicle loans only. There is no fee involved for this delayed first payment offer. If accepting the delayed first payment, you will not be eligible for any other Skip-A-Payment Promotions during that calendar year. Payments made through Payroll Deduction or Automatic Payment will be deposited into your account for the time you are skipping/delaying your payment. This offer can be discontinued at any time at the discretion of CU of NJ.

5

To qualify for the referral bonus, the member making the referral must use the online referral form. The referred person must open a membership with CU of NJ via a share savings account and open at least one additional account within 30 days of the referral date. The referred new member’s accounts must remain open for at least 30 days. Bonuses will be awarded via deposits to share savings accounts within 30 days after all criteria has been met. In the event more than one member refers the same individual, CU of NJ will award the bonus to the first member making the referral. Referred member must be new to CU of NJ. Each member is limited to 10 referral bonuses per month. You must qualify for and establish membership at CU of NJ and be of legal contract age to apply. All accounts are subject to our normal approval process. Members and accounts must be in good standing to receive bonuses. CU of NJ rules and regulations apply. Members who have closed their CU of NJ membership within three months prior to being referred are not eligible. Fees can reduce earnings on the account. This offer is non-transferable and may be canceled without prior notice. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. CU of NJ reserves the right to terminate the program at any time, revise program terms, or refuse bonuses upon our discretion. Ask us for details.

6

APY=Annual Percentage Yield. 5.00% APY will be paid on the daily balance in your account up to the first $500.00. A dividend rate of 0.04% will be paid only on the portion of your daily balance between $500.01 to $9,999.99 with an APY range for this tier of 5.00% APY to 0.288% APY depending on the balance in the account. A dividend rate of 0.05% will be paid only on the portion of your daily balance between $10,000 and $250,000 with an APY range for this tier of 0.288% APY to 0.060% APY depending on the balance in the account. All rates are subject to change, after account opening, without notice. Maximum deposit amount is $250,000. Membership in good standing and a Regular Share account with a $5 minimum deposit is required. Requires a $50.00 minimum balance. Fees could reduce earnings. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms. APY is effective as of October 1, 2020. One High-Rate Savings account per member.

7

Early deposit of paycheck is dependent upon receipt of payroll file from employer.