Instant Savings!

Don’t stay locked in high-rate loans or credit cards from other lenders. Refinance with us and earn a $50 Refi Reward!* You’ll save with a better rate and lower monthly payments.

As our member, you’ve got options:


Refinance an auto loan from another lender and lower your rate by 1.50% APR.** With an MCNJTFCU auto loan, you’ll pay less in interest and can inject more cash flow into your budget. You can also make easy payments through payroll deduction!


Transfer those balances to our Visa® Credit Card and pay less every month. You’ll enjoy a low fixed 8.99% APR,*** and SAVE with no balance transfer fees through 3/31/2022.


Consolidate costly loans and put cash in your pocket with a low-cost personal loan. You’ll save with rates as low as 9.74% APR****. You can also pay off other bills for immediate relief — or use the funds for something fun.

See how much you can save.

Contact us for current rate and payment comparisons. We can discuss your needs in person or by phone. Regardless of your debt situation, we’ll always look out for your best interest!

  • Auto Loans – Compare rates, payments, and the interest you’ll pay over the life of the loan. For a limited time, we will beat your current lender’s rate by up to 1.50% APR.** Remember, your APR is one of the most significant factors in your monthly payment — the lower your rate, the lower your monthly payments
  • Credit Cards – Contrast payments, the impact of making extra payments, and the time needed to pay off your credit cards. When you consolidate credit card debt, you make it easier to pay down those balances — and having just one payment to manage can impact your outlook (and fortitude) when paying down debt. 
  • Personal Loans – Would you be in a better situation if you paid off multiple bills with a personal loan? With this option, you can eliminate any outstanding debts you may have, such as medical, dental, home, or car repair bills. 

For a limited time, earn a $50 cash reward!

Our current $50 Refi Reward* is a plus when you refinance a loan from another lender. Who couldn’t use the extra cash? Use it to buy something special just for you!

Apply today.

Call 609-586-6669 or click here to get started. We can usually have an answer to you the same day.


*Minimum new loan amount of $12,000 required to receive $50 reward. Applies to vehicle loan refinances only. **APR = Annual Percentage Rate and effective as of February 1, 2022, and subject to change. Floor rate for refinance auto loan special is 2.49% APR. Good only for auto loans from other lenders. Other restrictions may apply. APRs based on your creditworthiness. Approvals based on underwriting standards, your credit, and other eligibility requirements. Contact us for details. ***Requires a minimum 700 credit score. ****Includes a 0.25% discount for automatic payments from your MCNJTFCU savings or checking account.

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