Rates
Lending Rates*
As of February 2, 2024
Vehicle Loans
| Term | Model Year 2022—2024* | Model Year 2019—2021* | Pre-2019* |
|---|---|---|---|
| Up to 36 months | 4.99 – 12.50% | 6.50 – 17.50% | 8.00 – 17.50% |
| Up to 60 months | 5.50 – 15.50% | 7.00 – 17.50% | 9.25 – 17.50% |
| Up to 84 months | 7.25 – 16.50% | 7.50 – 17.50% | 10.00 – 17.50% |
Personal Loans
| Term | Unsecured | Share Secured |
|---|---|---|
| Up to 24 months | 9.50 - 18.00% | Share Dividend + 4 Pts |
| Up to 48 months | 9.50 - 18.00% | Share Dividend + 4 Pts |
| Up to 60 months | 10.50 - 18.00% | Share Dividend + 4 Pts |
Credit Builder loans available up to 12 months.
*Limitations apply. Rates vary based on credit history and may change without notice. All loans are monthly installment loans, see lending page for more details or call (201) 968-0202.
Savings Rates
As of February 2, 2024
Account Rates
| Account Type | Earnings | Description |
|---|---|---|
| Share Account | 1.00% | Unlimited transfers to and from your checking account. |
| Holiday Club Savings | 0.25% | Automatically transfers to your share on November 15 |
| Vacation Club Savings | 0.25% | Automatically transfers to your share on May 15 |
| Teacher's Club Savings | 1.25% | No fee withdrawal period from June 15 to September 1 | Future Dream Education Savings | 2.00% | Youth account for education savings and expenses |
Certificate of Deposit (CD) Rates
All CD Accounts also available as Traditional IRA CDs. Maximum deposit on all CDs is $10,000.
| CD Term | Earnings Rate | Minimum Deposit to Open |
|---|---|---|
| 3 Months | 2.00% | -- |
| 6 Months | 2.50% | $150.00 |
| 1 Year | 2.75% | $250.00 |
| 2 Years | 4.00% | $250.00 |
| 3 Years | 3.50% | $250.00 |
| 5 Years | 3.25% | $250.00 |