Credit union · NCUA insured
Central Jersey Federal Credit Union Credit Card Rates
Central Jersey Federal Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Central Jersey Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Central Jersey Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Central Jersey Federal Credit Union
9.99%APR
- Up to
- 18.00% APR
Visa Platinum Credit Card
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
Central Jersey Federal Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Jersey Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Credit Card
Loans are only available to credit union members. Membership requires an initial deposit of $5 in savings. Subject to credit approval; credit limits up to $20,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 5.99% | None | Introductory rate for the first 6 months on balance transfers. No balance transfer fee. |
| Ongoing | 9.99%–18.00% | None | Rates as low as 9.99% up to 18.00% based on creditworthiness. No annual fee. |
| Ongoing | 18.00% | None | Finance charge of $2.50 or 2% of transaction for each cash advance. Minimum finance charge is $0.50. |
| Ongoing | 9.99% | None | Rates stated are as low as and lowest rates offered for qualified applicants based on creditworthiness. Maximum loan amount $20,000. |
Sources (3)
All captured Oct 15, 2026
Who can join Central Jersey Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to all employees of participating Select Employee Groups (SEGs).
Family and household
- Immediate family members of an existing member are eligible for membership, including spouses (marriage or civil union), children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships.
Cost to join
- An initial share deposit of $5.00 is required to open a Share Savings Account and establish membership ownership.
Membership information collected October 5, 2026.