Central Jersey Credit Union Woodbridge NJ | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Central Jersey, your trusted credit union located at 380 Berry St, Woodbridge, NJ 07095. Established in 1936, we have proudly served our community for over 85 years, helping our members achieve their financial goals and dreams. With a strong commitment to member satisfaction, we currently boast a membership of 6,369 individuals who rely on us for their banking needs. At Central Jersey, we understand that every financial journey is unique. Our total assets amount to an impressive $91,212,875, ensuring that we have the resources to support our members effectively. We manage total loans of 5,523 while maintaining robust total deposits of $1,977,991. With a net worth of $8,906,703, we are dedicated to maintaining the stability and growth that our members expect. We are more than just a financial institution; we are your neighbors and partners in success. Our team is led by CEO Michael Reilly and Board President James Lenox, who both share a deep commitment to providing exceptional service and community engagement. Together with our team of 15 employees, we work diligently to ensure that you receive personalized support every step of the way. While members can visit us at our branch location, official correspondence should be sent to 380 BERRY ST, WOODBRIDGE, NJ 7095 if different from our physical address. Whether you're looking for checking and savings accounts, auto loans, or business banking services, Central Jersey is here to help you navigate your financial landscape confidently. Don't hesitate to reach out! You can contact us at 732-634-0600 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM (with extended hours until 6:00 PM on Thursdays) and Saturday from 9:00 AM to 12:00 noon. Explore all that we offer by visiting our website at Central Jersey Credit Union. Join us today and experience the personal touch that sets us apart!

Branch History & Mission

Join Us!

We invite you to become a member of Central Jersey today! Experience firsthand how we can help you achieve your financial dreams while being part of a supportive community. For more information or assistance, please call us at 732-634-0600 or visit our website at Central Jersey. Together, let's build a brighter financial future!

Our Evolution

Central Jersey has seen many milestones throughout its history. Initially focused on providing basic banking services, we have expanded our offerings to include auto loans, mortgage loans, personal loans, credit cards with rewards, and comprehensive business banking solutions. Our commitment to innovation has led us to embrace modern conveniences such as online and mobile banking, ensuring that our members can manage their finances anytime and anywhere. Located at 380 Berry St, Woodbridge, NJ 07095, our branch is easily accessible for all your banking needs. We invite you to visit us during our lobby hours from Monday to Friday between 9:00 a.m. and 5:00 p.m., or enjoy extended drive-thru hours on Thursdays until 6:00 p.m., and Saturdays from 9:00 a.m. to 12:00 noon.

Our Mission

At the core of Central Jersey's mission is the dedication to enhancing the financial well-being of our members while contributing positively to the community. We aim not only to provide exceptional financial services but also to create lasting relationships built on trust and mutual respect. Our team works diligently to understand your unique financial goals and offer tailored solutions that meet your needs. We believe in being more than just a credit union; we strive to be an integral part of the Woodbridge community through partnerships and outreach efforts that make a real difference in people's lives. Whether it's sponsoring local events or supporting educational initiatives, we are committed to uplifting those around us. While members can visit us at 380 Berry St for all in-branch services including ATM access and drive-thru banking for deposits and withdrawals, official correspondence should be sent to our mailing address at 380 BERRY ST, WOODBRIDGE, NJ 7095.

Branch Location & Accessibility

ATM Availability

For added convenience, our branch also features an ATM that allows for quick cash withdrawals and balance checks anytime you need it. While members can visit us at 380 Berry St, official correspondence should be sent to the same address listed above. We look forward to welcoming you soon! With all these features designed with your convenience in mind, why not stop by Central Jersey today? We can't wait to help you achieve your financial goals!

Convenient Access and Features

At our branch, we prioritize making banking easy for you. You can take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle. Plus, we have ample parking available, ensuring that your visit is as hassle-free as possible. Our facility is fully ADA compliant, featuring ramps and accessible entrances, so everyone can feel welcome. If you need to reach out to us before stopping by or have any questions, feel free to call us at 732-634-0600. Our friendly staff is here to assist you with all your banking needs.

Operating Hours Tailored to You

We understand that life can get busy. That's why we offer flexible operating hours: Monday through Friday from 9:00 a.m. to 5:00 p.m., with extended hours on Thursdays until 6:00 p.m., and Saturday mornings from 9:00 a.m. to 12:00 noon. These hours make it easier for you to fit banking into your schedule.

Member Eligibility

At Central Jersey, we believe that everyone deserves access to a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area around our branch at 380 Berry St Woodbridge Nj 07095, you're likely eligible to join us. We're here to help you navigate your financial journey with services tailored just for you, whether that's personal banking, auto loans, or business banking solutions. To learn more about our membership criteria and ensure you're ready to take this exciting step, check out the detailed information at . Once you're ready to open an account, it's as easy as giving us a call at (732) 634-0600 or visiting us during our friendly operating hours. We can't wait for you to experience the benefits of being part of the Central Jersey family!

Business Banking & Commercial Services

Merchant Services

Managing payments shouldn't be a hassle. Our merchant services make it easy for you to accept payments from customers, whether they prefer cash, credit, or digital wallets. Imagine having a seamless checkout experience that keeps your customers happy and coming back for more. With tools that help track sales and manage transactions efficiently, you can focus on what truly matters growing your business. Visit us at 380 Berry St Woodbridge Nj 07095 in Woodbridge, NJ or give us a call at (732) 634-0600 to learn how our business banking solutions can help take your enterprise to the next level!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

We know life gets busy! That's why our branch offers both ATM services and basic drive-thru banking, allowing for quick deposits, withdrawals, and other simple transactions without leaving your car. Need cash? Our ATMs are readily available for balance checks and withdrawals when you need them most.

Business Banking Services

For business owners, we offer specialized solutions such as merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, our team can help tailor a financial plan that suits your business needs.

Convenient Digital Banking

In today's fast-paced world, convenience matters more than ever. That's why we provide robust online and mobile banking options. With just a few clicks or taps on your smartphone, you can manage your accounts from anywhere at any time. Our services include easy bill pay features and person-to-person transfers that make managing finances simple.

Get Started Today!

Ready to take control of your financial future? Visit us at Central Jersey, where our team is eager to assist you in reaching your goals. For any inquiries or assistance, feel free to call us at 732-634-0600 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM, Thursday until 6:00 PM, and Saturday from 9:00 AM to 12:00 noon. Experience the difference of community-focused banking today!

Home Financing Options

Thinking about buying a home? Our mortgage loans and refinancing options provide various pathways to homeownership or help you lower your monthly payments on an existing mortgage. We understand that buying a home is one of the most significant decisions you'll make, which is why our friendly staff is here to guide you through every detail.

Personal Banking Solutions

Our personal banking services are crafted with you in mind. You can easily set up checking and savings accounts that fit your lifestyle and savings goals. If you're dreaming of a new car or need to consolidate some debt, our auto loans and personal loans offer competitive rates and flexible terms. Plus, our credit cards with rewards allow you to earn points on everyday purchases, making it easier to enjoy the things you love.

Digital & Online Banking

Key Features

Our online banking allows you to check your account balance, transfer funds, and pay bills from the comfort of your home or while you're out and about. Plus, with person-to-person transfers, sending money to friends or family is just a few clicks away. Imagine settling up for dinner without having to dig through your wallet! Security is always a priority at Central Jersey. We ensure your personal information remains safe while you enjoy these user-friendly features. While we don't currently offer electronic signature authorization, rest assured that your data protection is our top concern.

Mobile Banking on the Go

For those who prefer managing their accounts from their smartphones, our mobile application provides a simple and efficient way to stay on top of your finances. You can access all the essential services right in your pocket! Although we don't support mobile payments yet, our app keeps getting better with each update. We also offer e-statements, allowing you to view your financial documents electronically saving paper and keeping everything organized in one place. With easy access to your statements and transaction history, you'll have real-time management of your accounts. In short, Central Jersey's digital banking services are crafted with you in mind. From easy online access to secure transactions, we're committed to providing you with an effortless banking experience that fits into your lifestyle perfectly!

Financial Strength

Growing Member Base

Total Share Accounts stand at 12,289, showing a strong and growing member base that trusts us with their finances. This community of members strengthens our credit union every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Central Jersey is your trusted partner. Visit us at 380 Berry St Woodbridge Nj 07095 or call 732-634-0600 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income is $0, reflecting our dedication to maintaining operational efficiency while continuing to provide valuable services without compromising your experience as a member. We also take pride in having 14 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment in Services

With $3,879,850 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $5,486,659 in total loans and leases and $506 in used auto loans.

Secure Member Savings

Members' savings are secured through $570,616 in share certificates and $11,028,435 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Foundation

With a net worth of $8,906,703, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.75% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,671,641 in used vehicle loans and $2,980,769 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your next vehicle purchase as affordable as possible.

Credit Lines

For those who want extra flexibility in their finances, we offer credit lines totaling $9,000,000. This option allows you to borrow only what you need when you need it without having to go through a full loan application every time. If you're considering refinancing any of these products or need eligibility information tailored to your situation, our knowledgeable staff is ready to assist you. We pride ourselves on providing personalized service and support throughout your borrowing journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. No matter what your financial goals are buying a car, owning a home, or managing expenses Central Jersey is here for you every step of the way! Visit us today or call us at 732-634-0600 to learn more about our loan offerings and how we can assist you in achieving your financial dreams.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $20,313,279, making buying or refinancing simple. Whether you are a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process and find the right solution for your needs.

Unsecured Credit Card Loans

Managing day-to-day expenses? We also offer flexible terms on unsecured credit card loans, with a total of $1,518,115 in loans helping members manage their finances effectively. Our credit cards come with rewards programs that can benefit your spending habits while providing an easy way to handle emergencies.

Loan Aggregator

Accurate Loan Comparisons

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Benefits of Using LendMesh

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CENTRAL JERSEY FEDERAL CREDIT UNION - Woodbridge, NJ