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Click on your loan application(s) below.
You can send your completed application to Loans@RidgedaleFCU.org, fax to 973-947-0999 or submit the online secure application.
To apply over the phone or discuss your loan options, call us at 973.947.1000, option #2, or stop by the branch.
Federally Insured by the NCUA
Equal Housing Lender
Next Car Purchase/Refinance From Another Financial Institution:
APR: Annual Percentage Rate. All loans are subject to loan approval. Your actual interest rate, terms and payment amount, and lien position will be determined when your loan is processed. All rates, terms and conditions are subject to change without notice. Some restrictions may apply. The interest rate charged, and the annual percentage rate are constant for the life of the loan. Payment Example: Assuming a $30,000 loan amount, a 5-year term, at a rate of 6.25% APR, you would make 60 monthly payments of $583.00. Minimum/Maximum: The minimum loan amount is $5,000. The Maximum loan amount to is $150,000. Loans currently financed through the credit union are not eligible to be refinanced with this offer.
Home Equity Acquisition:
APR: Annual Percentage Rate. APR subject to change at any time and is based on the Prime Rate as disclosed in the Wall Street Journal as of the 25th of the previous month. The APR will never go higher than 18%. HELOC is a variable-rate line of credit secured by primary residence. A Home Equity is a fixed rate loan secured by a primary residence. Borrow up to a 90% loan to value (LTV) ratio for well-qualified applicants. Any processing fees or appraisal fees are waived at the time the loan closes. If the loan is paid off within the first year, these fees will be added to the amount required to satisfy the loan. Payment Example: Assuming a $30,000 loan amount, a 5-year term, at a rate of 5.75% APR, you would make 60 monthly payments of $ 577.00. Minimum/Maximum: The minimum loan amount is $25,000. The Maximum loan amount is $500,000. Please contact the credit union for current real estate loan rates. Nationwide Mortgage Licensing System (NMLS) Unique Identifier #422379.
Signature Loan:
APR: Annual Percentage Rate. All loans are subject to loan approval. Your actual interest rate, terms and payment amount, and lien position will be determined when your loan is processed. All rates, terms and conditions are subject to change without notice. Some restrictions may apply. The interest rate charged, and the annual percentage rate are constant for the life of the loan. Payment Example: Assuming a $10,000 loan amount, a 3-year term, at a rate of 9.25% APR, you would make 36 monthly payments of $319.00. Minimum/Maximum: The minimum loan amount is $1,500. The Maximum loan amount to is $25,000. Loans currently financed through the credit union are not eligible to be refinanced with this offer.
Visa Credit Card
| Interest Rate and Interest Charges | ||
| Annual Percentage Rate (APR) For Purchases |
VISA Platinum: 9.90% to 17.90% | VISA Platinum Secured: 9.90% to 17.90% |
| APR For Balance Transfers | VISA Platinum: 9.90% to 17.90% | VISA Platinum Secured: 9.90% to 17.90% |
| APR For Cash Advances
|
VISA Platinum: 9.90% to 17.90% Overdraft Line of Credit: 12.00% to 18.00% |
VISA Platinum Secured: 9.90% to 17.90%
|
| Paying Interest | For VISA, We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. For all Feature Categories, We will begin charging interest on balance transfers and cash advances on the transaction date. | |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. | |
| Fees | ||
|
Transaction Fees |
||
| • Foreign Transaction | For VISA, 1.00% of each foreign currency transaction in U.S. Dollars For VISA, 1.00% of each U.S. currency transaction in U.S. Dollars | |
|
Penalty Fees |
||
| • Over-The-Credit-Limit | For VISA, up to $10.00 | |
| • Returned Payment | For VISA, up to $20.00 Except VISA, $10.00 | |
| • Late Payment | For VISA, up to $20.00 | |
Credit Limit
Qualified credit limit will be determined by certain underwriting criteria.