Summer Loans

Make this Summer Count!

Say Goodbye to Debt and Free Up Cash with our Record-Low Summer Refinance Rates or Low-Rate Visa Card!

Dreaming of a worry-free summer?

Stop throwing money away on high-interest loans! Members 1st of NJ FCU is your one-stop shop for summer savings. Refinance your car loan, consolidate debt with a personal loan, or ditch your high-interest credit card for our low-rate Visa® with NO BALANCE TRANSFER FEES!

Plus, for a limited time, enjoy NO PAYMENTS FOR 60 DAYS on qualified refinanced car loans!

Secure Your Low Rate Now

Benefits of a Refi with Members 1st of NJ FCU

  • Lower Your Monthly Payments: Reduce your financial burden and free up cash for summer fun!
  • Rates That Shine: We offer some of the lowest rates in New Jersey, so you can save big!
    • Auto Loan Rates as Low as 4.85% APR
    • Personal Loan Rates as Low as 9.80% APR
  • Fast & Easy Application: Apply online 24/7 in minutes!
  • Convenience at Your Fingertips: Manage your loans and finances with our award-winning Virtual Branch banking.

Become a Member and Unlock More Benefits

Local Expertise

Get personalized service from our friendly loan experts.

Non-Profit Cooperative Structure:

We focus on member satisfaction, not maximizing profits.

Member-Owned Means Member-Focused:

Enjoy exclusive benefits and competitive rates.

Rev Up Your Summer Savings with Members 1st!


Auto Loan Refinance

  • Lower Your Payment!
  • No Payments for 60 Days! (limited-time offer)
  • Competitive Rates That Save You Money! Amazing rates starting at 4.85%* APR

Low-Rate Visa® Credit Card

  • 0% Balance Transfer Fee!
  • 0% Annual Fee!
  • Earn ScoreCard Rewards on Every Purchase!
  • Rewards Program Details:
    • Redeem points for merchandise, electronics, travel, and more.
    • Earn bonus points with ScoreMore at participating retailers.
    • Manage rewards online at
personal loan for bill consolidation

Debt Consolidation with Personal Loans

  • Fixed Rates Up to $20,000! Rates starting at 9.80%* APR
  • Consolidate & Simplify Your Bills!
  • Fast & Easy Application Process!
  • Vacation Loan Option: Borrow up to $3,000 for 18 months at a low 8.00% APR (mention this is a limited-time offer)
  • Secured & Unsecured Loan Options: Choose the loan that fits your needs.
  • Personal Line of Credit: Access funds as you need them and only pay interest on the outstanding balance.

Applying is Fast & Easy!

For questions about refinancing or consolidating debt, call or visit one of our credit union branches branches. Apply here 24 hours a day!

New or Used
Auto Loan

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Low-Interest Credit Cards

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Low-Interest Personal Loans

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*APR = Annual Percentage Rate. This rate is effective June 1, 2024, and is subject to change without notice. Your APR may vary based on your creditworthiness, term, and security offered. Some restrictions apply. Payments may be made during the 60-day deferral period. Interest may accrue and may extend the original term of the loan. See Credit Union for complete details.

Vacation Loan – *APR = Annual Percentage Rate. Rates effective June 1, 2024 and subject to change without notice. Approval depends on creditworthiness. Maximum repayment period is 18 months. No additional discount applies. Contact the credit union for complete details. Example payment: 18 monthly payments for $178.04 per $3,000 borrowed at 8.00% APR.