Credit Union Refinance Rates

Need an answer to financial relief? Refinancing! Indeed, the best way to lessen the squeeze of a tight budget is to find a way to reduce monthly spending. Of course, reducing trips to the coffee shop or canceling cable may save a few dollars here and there, but there’s even a better option: refinance your auto loan or credit card with lower interest rates and monthly payments that make sense to your financial freedom. 

When considering a loan, the annual percentage rate (APR) is the cost of borrowing money. Lenders charge an annual rate, which is expressed as a percentage and represents the actual yearly cost over the term of a loan. APR is important because it can give you a good idea of how much you’ll pay to take out a loan.

The primary benefits of refinancing include:

  • Lower your monthly payments
  • Meet your budget goals
  • Feel in control of your financial future

Until February 29th, 2020, Members 1st of NJ FCU is offering amazingly low refinance rates:

Auto Loans – Did you know with an auto loan refinance, you can have more money in your wallet each month? Even if your auto loan is held somewhere else, Members 1st of NJ FCU offers rates as low as 2.00% APR. An auto refinance creates a new auto loan to pay off the current one. The most common reason for a refinance loan is to get a better deal on terms and the interest rate. If you want to free up money in your budget, discuss repayment terms with a Members 1st NJ of FCU agent. To see an estimated payment amount, try this handy loan calculator  for a fixed rate loan. 

Credit Cards – Do you have a high-interest credit card with an unmanageable balance? Regardless of how you got there, find financial relief with rates starting at 9.50% APR, no annual fee or balance transfer costs. For those who have a small credit card balance, the balance could be paid off sooner than you might think. Try our Credit Card Payoff Calculator.

Personal Loans – If a refinance is not necessary, maybe a personal loan better suits what you have in mind. An unsecured personal loan doesn’t require collateral and can be used for any purpose, like a dream vacation, special purchase, or debt consolidation. Borrow up to $15,000 and with rates as low as 7.00% APR. With this Personal Loan Calculator, see what you can afford.

What are you waiting for? Let us show you how refinancing can benefit you and your family. Better hurry though, this limited-time offer only lasts until February 29th, 2020. Learn more about refinancing your loans.