Rutgers Credit Union Piscataway NJ | Affordable Vehicle Loans & Low Mortgage Rates

Introduction

Welcome to Rutgers, your trusted financial partner located at 85 Davidson Rd, Piscataway, NJ 08854. Since our establishment in 1954, we have proudly served our community with a commitment to providing exceptional banking services tailored to meet your needs. With over 6,700 members and total assets exceeding $81 million, our focus is on fostering financial wellness and building lasting relationships. At Rutgers, we understand that every dollar counts. That's why we offer a variety of financial products designed to help you achieve your goals. Whether you're looking for personal banking options like checking and savings accounts, vehicle financing, or mortgage loans, we've got you covered. Our members enjoy access to competitive rates on loans totaling 2,438 across various categories, along with robust deposit options amounting to $8,233,579. Our dedicated team of 13 employees, led by CEO Marie Holowka-Bedatsky and Board President Terry Matilsky, is here to provide personalized service that makes banking easier for you. We're not just about numbers; we're about people your aspirations are our priority. If you ever need assistance or have questions, don't hesitate to call us at 732-445-3050 during our convenient operating hours from Monday to Friday, 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. While members can visit us at 85 Davidson Rd, official correspondence should be sent to the same address as our mailing address is the same. We invite you to explore more about our offerings by visiting our website at www.rutgersfcu.org. Join us today and experience the difference a community-focused credit union can make in your financial journey!

Branch History & Mission

At Rutgers, we take pride in our rich history and unwavering commitment to the community. Since opening our doors in 1954, we have been dedicated to providing exceptional financial services to the residents of Piscataway, NJ, and beyond. Located at 85 Davidson Rd, our branch is easily accessible for members seeking a personal touch in their banking experience. Over the decades, we have grown alongside our community, welcoming over 6,700 members and managing total assets of approximately $81,226,401. This growth reflects not only our dedication to sound financial practices but also our mission to empower individuals and families through responsible lending and savings opportunities. Our mission is clear: we aim to offer personalized financial solutions while fostering a sense of belonging and support within our community. At Rutgers, we believe that strong communities are built on trust, collaboration, and shared success. We are here to provide essential services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions that cater to the diverse needs of our members. While members can visit us at 85 Davidson Rd Piscataway Nj 08854, official correspondence should be sent to 85 Davidson Rd, Piscataway, NJ 08854-5695. Our branch operates Monday through Friday from 9:00 AM to 5:00 PM and Saturdays from 9:00 AM to 12:00 PM, ensuring that we are available when you need us most. We also offer convenient ATM access and drive-thru banking services for quick transactions. In addition to traditional banking services, we embrace technology with features like online banking and mobile payments. This ensures that our members can manage their finances easily and securely from anywhere. We're committed to being ADA compliant so that everyone can access our services without barriers. As part of our outreach efforts, we partner with local organizations to support community initiatives that make a real difference in people's lives. Whether it's organizing financial literacy workshops or supporting local charities, we strive to give back as much as possible. We invite you to join Rutgers Credit Union today! Experience the benefits of membership where your financial well-being is our priority. Together, let's build a brighter future for you and your family. For more information or to get started with your membership journey, give us a call at (732) 445-3050 or visit us online at Rutgers FCU.

Branch Location & Accessibility

Accessibility Features

At Rutgers, we prioritize accessibility for all our members. Our branch complies with ADA standards and features ramps and designated parking spots to accommodate everyone. Whether you're visiting us in person or utilizing our drive-thru service for quick transactions, you'll find that we've made banking as easy as possible.

Banking Services

Our branch offers a wide range of services tailored to meet your financial needs from checking and savings accounts to auto loans and credit cards with rewards. And if you're on the go, take advantage of our ATM availability and drive-thru banking for deposits, withdrawals, and balance checks. While members can visit us at 85 Davidson Rd Piscataway Nj 08854, official correspondence should be sent to our mailing address at 85 Davidson Rd, Piscataway, NJ 08854-5695.

Convenient Location

Nestled in Middlesex County, our branch is just a stone's throw away from popular landmarks like the Piscataway Town Hall and the beautiful Johnson Park. This prime location makes it convenient for both residents and commuters alike. Plus, we offer ample parking for our members, ensuring that your visit is hassle-free.

Get in Touch

Ready to experience personalized banking? Feel free to give us a call at (732) 445-3050 or stop by our branch today! We look forward to welcoming you into the Rutgers family.

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. Visit us Monday through Friday from 9:00 AM to 5:00 PM and Saturdays from 9:00 AM to 12:00 PM. We're here when you need us!

Member Eligibility

Becoming a member of Rutgers is like joining a family that truly cares about your financial well-being. We welcome individuals who share our commitment to community and support. To be eligible for membership, you should either be a student, employee, or alumni of Rutgers University, or have a family member who meets these criteria. This means that if you're connected to the university in any way, you can take advantage of the tailored services and benefits we offer. You'll enjoy personalized banking solutions, competitive rates on loans and savings accounts, and a friendly team ready to assist you. For more detailed information about eligibility requirements, check out our membership page. Getting started is simple! You can open an account with us by visiting our account opening page. If you have any questions or need assistance, feel free to call us at (732) 445-3050. We're here to help you every step of the way at our branch located at 85 Davidson Rd Piscataway Nj 08854. Join us today and become part of something special!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Think about how easy it will be for your customers to make purchases using their preferred methods. This not only enhances their experience but also boosts your sales potential. Visit us at 85 Davidson Rd Piscataway Nj 08854 in Piscataway, NJ or give us a call at (732) 445-3050 to learn more about how our business banking and commercial services can propel your business forward.

Tailored Business Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. Imagine launching a new product line or expanding your storefront our loans can help turn those dreams into reality. With competitive rates and personalized service, we're here to help you navigate the financial landscape with confidence.

Comprehensive List Of Services

Business Banking Services

We don't just cater to individuals; businesses in our community can also benefit from our comprehensive offerings. Our Business Banking services include essential Merchant Services & Business Loans, which help local entrepreneurs thrive and expand their operations.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we emphasize our Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. With options like Mobile Payments, Person-to-Person Transfers, and easy access through our user-friendly app, banking has never been simpler. Additionally, if you ever need cash or want to check your balance on the go, our ATM & Cash Withdrawal Services are readily available for all members. For quick transactions, utilize our Basic Drive-Thru Banking, where deposits and withdrawals can be completed effortlessly.

Personal Banking Solutions

Starting with personal banking, we offer flexible Checking & Savings Accounts that help you manage your money effectively. Our accounts come with features that make it easy to track your spending and save for future goals. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and terms designed for everyone. You can drive away in your new car without stress. When it comes to home ownership, our Mortgage Loans & Refinancing services cater to both first-time buyers and those looking to refinance their existing loans. We understand how important it is to find the right mortgage solution, and our team is here to guide you through the process. For those unexpected expenses or consolidation needs, our Personal Loans & Debt Consolidation options provide a straightforward way to get back on track financially. Plus, our Credit Cards with Rewards not only offer convenience but also allow you to earn points on your everyday purchases making each transaction more rewarding.

Visit Us Today!

At Rutgers, we strive to make banking accessible and straightforward for everyone in Piscataway. Our operating hours are Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM perfect for fitting into your busy schedule. For more information about any of these services or if you have specific questions, feel free to call us at (732) 445-3050 or visit us online at https://www.rutgersfcu.org/home/home. We look forward to serving you!

Digital & Online Banking

Convenient Access and Features

Our online banking services are user-friendly and packed with features to help you manage your money effectively. To get started, simply visit us at https://www.rutgersfcu.org/home/home. You can view your account balances, transfer funds, and even set up electronic statements for quick access to your financial information. Plus, with our electronic signature authorization option, signing documents has never been easier or more secure. If you're often on the move, you'll love our mobile application. It allows you to perform all the essential banking tasks right from your smartphone. Need to make a quick payment? Our mobile payments feature lets you do that with ease. You can also enjoy person-to-person transfers, making it simple to send money to friends or family without any hassle.

Security You Can Trust

We prioritize your security while providing these convenient services. With advanced security measures in place, you can rest assured that your personal information is safe with us. Our commitment to protecting your data means you can focus on what really matters your financial goals. Whether you're checking account balances or making payments from the comfort of your couch, Rutgers ensures that banking is accessible and straightforward for everyone. Join us today and experience the freedom of digital banking!

Financial Strength

Committed Team Ready to Serve You

We also take pride in having 8 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With a total of 11,648 share accounts, it's clear that many members trust us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Rutgers is your trusted partner. Visit us at 85 Davidson Rd Piscataway Nj 08854 or call (732) 445-3050 to learn more about how we can help you achieve your financial goals.

Reinvesting in Member Services

With $5,798,153 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive; we have $507 in used auto loans and $24,907,687 in total loans and leases to support your financial goals across various sectors. Our ability to adapt and thrive is further reflected in our operational efficiency with a reported net income of $279,603, enabling us to continue offering competitive loan rates and solid financial products for our members.

Secure Savings Options

Members' savings are secured through $1,906,065 in share certificates and $12,719,273 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 Financial Health

With a net worth of $7,928,335, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.76% 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 $6,465,353 in used vehicle loans and $3,163,266 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have options that can accommodate your plans.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,805,549 in loans helping members manage their finances effectively. This is perfect for those who need quick access to cash without collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,420,721, make buying or refinancing simple. We know that securing a mortgage can be daunting, but our team is here to guide you through every step of the process.

Other Loan Options

In addition to auto and mortgage loans, we provide personal loans and lines of credit totaling $4,000,000. These can be useful for consolidating debt or covering unexpected expenses. If you're considering refinancing existing loans, our team can assist you with eligibility options that may suit your situation. Whether you're looking for an auto loan, mortgage, or credit line, our dedicated staff at Rutgers is here to help you navigate your options and find the best solution for your financial needs. For more information about our loan offerings or to discuss your specific requirements, please contact us at (732) 445-3050. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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RUTGERS FEDERAL CREDIT UNION - Piscataway, NJ

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