NJFCU offers a number of financial products and services young adults need the most, all in one great package - the 18 to 29 Club. If you're in this age group, you need to know about the products and services available to you through this innovative program.

Share Savings Account
Maintaining a minimum balance of $50 in your NJFCU Share Savings Account keeps your membership in the Credit Union active. Beyond maintaining this minimum balance, it also makes good sense to build your savings in your Share Savings Account. This account pays a handsome rate of return - one which exceeds the rates on many comparable bank savings accounts - and like all deposit accounts at the Credit Union, your deposits in your NJFCU Share Savings Account are federally insured up to $100,000.

FREE Share Draft (Checking) Account
18 to 29 is the age when many people discover that a checking account is a necessity. Apply for a NJFCU Share Draft (checking) Account and you'll discover something else - that you can enjoy the convenience of a checking account without paying all the excessive fees so many other financial institutions charge. Our Share Draft (checking)Accounts have

• No application fee
• No monthly fees
• No per-check or deposit fees
• No minimum balance requirement
• And your first 50 checks are provided free of charge!

ATM Card
Accessing the funds in your Credit Union accounts is easy with an NJFCU ATM card. You can use your ATM card to make cash withdrawals and transfer funds between accounts 24 hours a day, seven days a week, at any ATM on the STAR network. You can also use it to pay for purchases anywhere the STAR logo is displayed.

• No application fee
• No monthly fee
• No fee for deposits
• 8 FREE transfers/withdrawals per month

FREE VISA^® Credit Card
Because it's accepted at literally millions of retail establishments around the world, our VISA^® credit card gives you real purchasing power. With its everyday low rate and many other benefits, it gives you real savings, too!

• No Annual Fee
• No Transaction Fees For Purchases

**ATM fees may be applied by network providers; interest charges accrue from time of cash advance.
NOTE: If you do not qualify for an NJFCU VISA^® credit card on your own, you may qualify with a cosigner.

100% Vehicle Financing Program
If you're looking for a way to finance the purchase of a new or pre-owned vehicle, come to your Credit Union and get the great deal you deserve. We offer comfortably low rates, flexible terms, and 100% financing including tax, tags, title and warranty. Be sure to stop in and have your NJFCU New or Used Vehicle Loan pre-approved before you go shopping. That way, you'll be able to negotiate from a more secure position when you visit the dealership.

Financial Planning Service
For help planning your financial future, take advantage of the financial planning services available through CUSO Financial Services. NJFCU members age 18 to 29 are eligible to receive a coupon for a free CUSO Financial Services consultation. Call or stop by the Credit Union for details.

NJFCU's 18 To 29 Club offers convenience and savings you can use. For more information or to apply for any of these products and services, call 888-78-NJFCU, e-mail us at businessdevelopment@njfcu.org or stop by the Credit Union today!

Check out the following schools currently in NJFCU's field of membership:

Paterson Public School #3
Township of West Milford
Passiac County Technical Institute
John F. Kennedy High School
Caldwell College
Kean College
Montclair State University
Passaic County Community College
Ramapo College of New Jersey
University of Medicine & Dentistry of NJ
William Paterson University
Essex County College