Summer Refinance

Welcome to a Summer of Savings!

Save money with a better loan from Members 1st

Start Saving Now!

Wondering How to Save Money Fast?

It’s easy with some of the lowest auto loan, personal loan, and credit card rates in New Jersey!

There is no reason to pay more every month on your car loan, credit card bill, or other high-interest loans when there is a much better option.

Members 1st of NJ is offering fantastic deals when you refinance car loans (new and used) or switch out your high-interest credit cards for our low-interest Visa – with $0.00 balance transfer fees!

Personal loans from Members 1st of NJ are a simple way to consolidate bills and make a special purchase this summer. Start saving today with fast approvals.

Members 1st Visa cards come with $0.00 balance transfer fees, $0.00 annual fees + ScoreCard Rewards!

And, for a limited time, when you refinance your car or open a personal loan with us, you’ll get the added benefit of no payments for 60 days!*

Apply Now!

It’s time to stop throwing money away!

Save more to do more by refinancing your auto loan, switching to a low-rate Visa®, or consolidating with our personal loan options.

Calculate Your Savings

Lower Your Car Payment

No Payments for 60 Days!

Lower interest rates than traditional banks — and some of the lowest in NJ!

Virtual Branch banking 24/7 for easy access

Apply quickly online!

GAP Insurance

Mechanical Breakdown Coverage

Members Choice™ Borrower’s Security

Lower Your Credit Card Bill

0 balance transfer fees

0 annual fee

Much lower rates than traditional credit cards!

ScoreCard Rewards

Convenient online payment option

Consolidate (& More) With Personal Loans:

Secured and unsecured low-fixed-rate loans up to $20K

Personal Line of Credit (up to $20K)

Bill Consolidation Loan

Members Choice™ Borrower’s Security

Fast & Easy Application

*Payments can be made during the 60-day deferral period. During the 60-day deferral period, interest will accrue and may extend the original term of the loan. Offer does not apply to refinancing loans currently with Members 1st of NJ FCU. Contact Credit Union for complete details. Personal Loan Terms: Based on creditworthiness. Maximum rate of 18.00% APR. Minimum rate of 9.20% APR. The repayment period ranges from 6 months minimum to 60 months maximum for loan amounts under $15,000. The repayment period ranges from 6 month minimum to 74 months maximum for loan amounts $15,000-$20,000. Payment example: 48 monthly payments of $250.81 per $10,000 borrowed at 9.20%, plus a $10 application fee, equals a total loan cost of $12,038.88.

*APR = Annual Percentage Rate. Rates are effective as of June 1 2023, and are subject to change without prior notice. APR may vary based on creditworthiness, loan amount, security offered, and combined Loan-to-Value (LTV). Balance transfer completed 6/1/2023 through 8/31/23 will receive a 3.99% APR for 13 months from the date of transfer. After the promotional time expires, remaining balances will migrate to the standard APR applicable on your account.

Applying is Fast & Easy!

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

New or Used Auto Loan

Apply Now!

Low-Interest Credit Cards

Apply Now!

Low-Interest Personal Loans

Apply Now!