Best at everything they do…Lowest loan rates for all products. Just a pleasure to deal with.
— Vel
What Would You Do with More Room in Your Budget?
High-interest loans eat into your budget faster than you’d expect. A car payment, a credit card balance, an unexpected expense — they all add up, and before long there’s less room for the things you actually want to do or save for.
Rather than living with that debt, Members 1st of NJ can help you refinance, consolidate, or transfer to something more manageable.
A Fresh Season for Your Finances
One conversation with our team could mean a lower payment, a shorter payoff timeline, or simply more breathing room each month.
Here are four ways to lower your borrowing costs this fall:
Auto Loan Refinancing
As low as 4.80% APR*
- Lower your monthly payment or shorten your loan term.
- Apply online in minutes; no branch visit required.
Personal Loans
As low as 9.30% APR*
- Borrow up to $20,000 for a major purchase, project, or expense.
- Choose from personal lines of credit, QuickCash loans, Short-Term Loans, and more.
Debt Consolidation
Choose the option that fits you:
- Combine multiple high-rate balances into one manageable monthly payment.
- Consolidate through a personal loan or a home equity loan — whichever makes the most sense for you.
Visa® Balance Transfer
3.99% APR for 24 months†
- Zero balance transfer fees
- One convenient monthly payment
- Great benefits like ScoreCard Rewards and no annual fee
Better Banking with You in Mind
Members 1st of NJ has served our neighbors in Vineland, Bridgeton, and Millville since 1938. We’re a not-for-profit financial cooperative, which means we answer to our members, not shareholders.
Our commitment to integrity, professionalism, and exceeding expectations shows up in loans and services built around your financial well-being.
I have been a member at this credit union for over 20 years. The staff there are FANTASTIC! Very personable and always happy to help.
— N. Falcon
They worked with me to help manage my debt. It was really great to bank with someone who wasn’t trying to take all of my money, but instead help me save some!
— Margaret
Ready to Make Your Move?
A lower rate could be one short application away.
Not a member yet? It’s easy to join. Explore the benefits of membership today.
APR = Annual Percentage Rate. Rates effective October 1, 2026, and subject to change without notice. Approval depends on creditworthiness. APR may vary based on creditworthiness, loan amount, and combined loan-to-value (LTV). Rates shown are for qualified borrowers and are subject to the age of the collateral and term. APR requires auto pay. Contact the Credit Union for complete details.
†Balance transfers completed between 10/1/2026 and 12/1/2026 will receive 3.99% APR for 24 months. After the promotional period expires, remaining balances migrate to the standard rate applicable to your account. Contact the Credit Union for complete details.