Better Debt Management with You in Mind

Start the year on the right financial foot with Members 1st of NJ Federal Credit Union. 

 If holiday spending has left you juggling high-interest credit card balances or unexpected expenses, we’re here to help. Our competitive VISA® Balance Transfer options and Personal Loans make it easier to take control of your finances, reduce debt, and achieve your financial goals.

Why Choose Members 1st for Debt Management?

Members 1st is your partner in building a secure future. Our community-focused services are designed to provide meaningful solutions to everyday financial challenges.

Simplify Your Finances:

  • Low-Rate VISA Balance Transfers: Tired of high-interest credit card debt? Consolidate your balances with a Members 1st VISA Credit Card and enjoy rates as low as 10.50% APR,* designed to help you save money and simplify your finances.
  • Personal Loans: Cover life’s expenses or consolidate debt with our affordable personal loan options. With rates starting at just 9.30% APR,* you can manage your financial needs without the burden of costly fees, all while staying on track toward your goals.

Exclusive Incentive: Receive Up to a $100 Gift Card

At Members 1st of NJ Federal Credit Union, we’re dedicated to People Helping People. When you transfer a balance or take a Personal Loan, you’ll receive a gift card based on the qualifying amount:

  • $50 Gift Card for loans of $2,500–$5,000
  • $75 Gift Card for loans of $5,001–$10,000
  • $100 Gift Card for loans of $10,001–$20,000

These gift cards are sourced from local small businesses, reflecting our commitment to supporting our community while helping you achieve your financial goals.

Take Control of Your Financial Future

Benefits of Our VISA Credit Cards:

  • Low Introductory Rates: Save on interest from the start.
  • No Hidden Fees: Enjoy a transparent, straightforward credit card experience.
  • Flexible Spending Power: Use your card for everyday expenses or consolidate debt with ease.

Local Support: Our team is here to answer your questions and provide personalized assistance.


Why Consider a Personal Loan?

  • Affordable Terms: Borrow responsibly with manageable repayment options.
  • Quick Approvals: Access funds when you need them most.
  • Flexible Solutions: Consolidate debt or cover unexpected expenses with confidence.

How it Works

Apply Today:
Complete a simple application online, over the phone, or in person at your nearest branch.

Transfer Balances:
Move your high-interest credit card balances to your Members 1st VISA Credit Card to start saving immediately.

Receive Your Gift Card:
As a thank-you, you’ll receive a gift card based on the qualifying amount of your balance transfer or loan.*

Simplify Your Financial Journey

Open the door to financial freedom with Members 1st. Our team is dedicated to helping you succeed – whether you’re consolidating debt or simply seeking better financial solutions.

How to Get Started:

  • Online: Visit www.membersonenj.org and complete your application.
  • Phone: Call us at 856-696-0767 to speak with a representative.
  • In-Branch: Stop by one of our convenient locations:
    • Vineland Office: 37 West Landis Avenue, Vineland, NJ 08360
    • Bridgeton Office: 654 Shiloh Pike, Unit G, Bridgeton, NJ 08302
Apply Now

*Gift card incentive is based on the qualifying amount of balance transfers or loans. Terms and conditions apply. Contact Members 1st Federal Credit Union for complete details. APR = Annual Percentage Rate. Rates are effective January 1, 2025, and are subject to change without notice. APR may vary based on creditworthiness, loan amount, security offered, and combined Loan-to-Value (LTV). Rates shown are for qualified borrowers and are subject to the age of collateral and term. APR requires auto payment.

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