Credit Union of New Jersey Prosperity Perks

Special benefits for State of New Jersey employees

A credit union created 80 years ago for state government employees.

Get to know us better

Here to stay.

It seems like only yesterday we opened our doors to serve New Jersey State Highway Department employees.

After eight decades, we're still helping the 37,000+ members of our community find the freedom to prosper.

Become a member

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 55,000 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 13.65% to 18.00% variable.

View pricing terms and disclosures here

Apply Now

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

Up to 1.00% off APR off Signature and Vehicle Loans + no payments for up to 90 days4

Apply Today

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

Kasasa Cash Back® Checking

Enjoy free checking that pays you back.

Earn up to $10 per month
Refunds on ATM withdrawal fees

Get 4.00% cash back on debit card, PIN-based/signature-based purchases with Kasasa Cash Back® Checking⁶. With no minimum balance to earn rewards and no monthly fees, you can't lose.

Open a Kasasa Cash Back® Checking account Learn more

Kasasa Cash Back® Checking

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

Tools and resources to help you create a budget, build credit, buy your first home, put your kids through college, and so much more.

BALANCE

A free financial counseling service with an online library of educational resources.

Like having a personal financial trainer to guide you through every step of the way. Say goodbye to financial stress and hello to financial strength.

SavvyMoney

A money management tool to help you improve all aspects of your financial health.

Free Financial Counselors

Free Financial Counselors One-on-one, confidential access to our team.

Free Financial Ed

Free Financial Education Seminars and webinars on topics that matter to you.

Free Onsite Visits

Free Onsite Visits We'll answer all your questions and keep you on track.

Are you ready to help carry on an 80-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 13.65% to 18.00% 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 0.99% APR, which is the lowest APR available including discounts. Rate based on your creditworthiness. The loan payment is $42.10 per $1,000 borrowed 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.

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.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.

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.

Qualification Information:

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, ACH payment or Bill Pay transaction(s)
  • At least 12 PIN-based / signature-based debit card purchases
  • Be enrolled in and have agreed to receive e-statements rather than paper statements

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.

“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.

Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $250.00 on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle when qualifications are met. A foreign ATM fee reimbursement cap of up to $4.99 per transaction applies when qualifications are met. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing/business day of the following statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $5 minimum deposit is required to open the account. Limit of one account per member.

There are no recurring monthly maintenance charges or fees to open or close this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.

Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

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