The benefits you deserve.
Allow us to introduce ourselves.
Credit Union of New Jersey has been helping our members achieve the freedom to prosper for 80 years. A perfect example of this mission in action is our Prosperity Perks program—developed to provide hard-working people, like you, access to the products and services you need to make it happen.
The best part? This is a free benefit offered exclusively by your employer.
It's all about your financial fitness.
The state of one's finances is the leading cause of stress in America today. Your employer wants to give you the tools to get that monkey off your back. Better still, to start some long-term planning to keep that monkey off your back.
Here's how Prosperity Perks can help:
A free financial counseling service with an online library of educational resources.
Like having a personal financial trainer to guide you through every step of the way. Say goodbye to financial stress and hello to financial strength.
A money management tool to help you improve all aspects of your financial health.
Free Financial Counselors One-on-one, confidential access to our team.
Free Financial Education Seminars and webinars on topics that matter to you.
Free Onsite Visits We'll answer all your questions and keep you on track.
This checking account pays you big time.
Earn a high rate, paid monthly, with no monthly maintenance fees and no minimum balance required to earn interest. There's literally no way you can lose.
Bring on the Benefits².
As a participant in Prosperity Perks, you'll get exclusive offers and bonuses like:
Towards Mortgage Closing Costs³
Up to 0.50% APR off⁴ Signature and Vehicle Loans. Or, make NO payment for 90 days⁵.
$25.00 for every friend, family member or co-worker you refer to us⁶
These Perks are available through on-site visits only. Be sure to see your CU of NJ representative while they are on site.
We're here for you.
Whatever your short-, mid- and/or long-term financial targets, these innovations were designed to give you the firepower you need: That's the freedom to prosper.
Early Payday Get paychecks up to a day early⁷ with direct deposit
You're busy. We're convenient.
We know you're constantly on the run. Our mobile-first member experience is designed to keep up with you wherever you go—day or night. Enjoy:
Of course, you're always welcome to visit one of our branches, or email us to meet with a Credit Union of New Jersey Rep.
Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH credit, ACH payment or Bill Pay transaction(s)
- At least 12 PIN-based / signature-based debit card purchases
- Be enrolled in and have agreed to receive e-statements rather than paper statements
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.
Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 5.98% resulting in an APY of 6.00%; and daily balances over $25,000 earn a dividend rate of 0.75% on the portion of the daily balance over $25,000, resulting in a range from 6.00% to 1.80% APY depending on the account's daily balance.
You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle when qualifications are met. A foreign ATM fee reimbursement cap of up to $4.99 per transaction applies when qualifications are met. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash account qualifications are not met, ATM withdrawal fees are not refunded.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.01% resulting in an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded.
Dividends will be credited to your Kasasa Cash account on the first processing/business day of the following statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 09/01/2023.
APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
A $5 minimum deposit is required to open the account. Limit of one account per member.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA.
Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
All offers must be completed at site visit to qualify. CU of NJ reserves the right to alter the program at any time without notification.
The credit union will provide a $250 credit towards your closing costs for any Mortgage Loan approved through CU of NJ.
APR=Annual Percentage Rate. 0.25% APR off for Direct Deposit and 0.25% APR off for Automatic Payment or Direct Payment from Direct Deposit. Maximum discount is 0.50% APR off including combinations from other programs. Loan rate floor is 2.24% APR, which is the lowest APR available including discounts. Loans subject to credit approval. Loan discount excludes first mortgages, home equity, credit card, business, student loans, lifestyle loans and line of credit loans.
Accepting the terms of "no payment for 90 days offer" will extend the maturity of your loan for at least 90 days but less than 110 days. The loan payment is $42.10 per $1,000 borrowed at 0.99% for 24 months. This offer of "no payment for 90 days" is valid on new or used vehicle loans only. There is no fee involved for this delayed first payment offer. If accepting the delayed first payment, you will not be eligible for any other Skip-A-Payment Promotions during that calendar year. Payments made through Payroll Deduction or Automatic Payment will be deposited into your account for the time you are skipping/delaying your payment.
Account must be in good standing at time of member referral bonus deposit, and new member must sign up at site visit with a qualifying account as described on referral form. The referred person must open a membership with CU of NJ via a share savings account and open at least one additional account within 30 days of the referral date. The referred new member’s accounts must remain open for at least 30 days. Bonuses will be awarded via deposits to share savings accounts within 30 days after all criteria has been met. In the event more than one member refers the same individual, CU of NJ will award the bonus to the first member making the referral. Referred member must be new to CU of NJ. Each member is limited to 10 referral bonuses per month. You must qualify for and establish membership at CU of NJ and be of legal contract age to apply. All accounts are subject to our normal approval process. Members and accounts must be in good standing to receive bonuses. CU of NJ rules and regulations apply. Members who have closed their CU of NJ membership within three months prior to being referred are not eligible. Fees can reduce earnings on the account. This offer is non-transferable and may be canceled without prior notice. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. CU of NJ reserves the right to terminate the program at any time, revise program terms, or refuse bonuses upon our discretion. Ask us for details.
Early deposit of paycheck is dependent upon receipt of payroll file from employer.