Loan Products

The MERCER COUNTY NJ TEACHERS' FCU is the only financial institution you will need when it comes to getting a loan. Whether you need money for a new home, home improvements, a new automobile, a family vacation, or debt consolidation.

With financing available to make it happen. We offer a wide variety of loan options, each with a low interest rate and flexible repayment terms, designed to fit comfortably into your budget. Look no further than your Credit Union.


Home Equity Loans

Mercer County NJ Teachers' FCU offers members two great ways to use the equity in their homes to satisfy their borrowing needs. Both our Fixed Rate Home Equity Loan and our Variable Rate Home Equity Line of Credit allow you to take advantage of the equity in your home today - when you need the money most. Use the money for any worthwhile purpose.

If you currently have a home equity loan with another financial institution, save money by refinancing it at Mercer County NJ Teachers' FCU at today's low rates. Our two convenient loan options and flexible repayment terms make us the logical choice.

And for even more savings, the interest you pay may be tax deductible! Consult your tax advisor for details.

** Note: A $400 processing fee is required at the time of application.

Auto Loans

Auto Loans are available for new and used automobiles offering you up to 100% financing and up to 72 months to pay. With our low interest rates, now is the time to drive away in the auto of your dreams. For more information on vehicle pricing visit

Personal Loans

Personal Loans are perfect for debt consolidation of high interest credit cards, home repairs, vacation, or whatever our needs might be. We offer up to $5,000 to qualified borrowers.

Secured Savings

Secured savings or term saving certificate loans are another way to have your money help you save money. Secure your loan with one of these accounts and you are assured a great low rate on your loan.

Mortgage Loans

Do you dream of owning your own home? We can help you make that dream come true.
Through our mortgage loan business partner, State Financial Network, we offer a range of conventional first-mortgage loans.

To apply for a First Mortgage, visit