Loan Information


Novartis Federal Credit Union

  • Vehicle Loans
  • When Taking the Rebate is Better Than a
    Dealer Low Rate – Calculate It NOW!
  • VISA Lines of Credit
  • Share Secured Loans
  • Home Loans
  • First Mortgages
  • Second Mortgages & Home Equity Lines of Credit
  • Rate Information
  • Loan Application


Vehicle Loans

Up to 100% financing is now available on NEW vehicles.
This includes Tax, Title, and Licensing.

Up to 100% financing of the NADA retail value is also available on USED vehicles.

VISA Credit Cards

 There are Three VISA programs are available to our members:

  1. Platinum VISA Rewards – which can have limits up to $25,000. It always has a very good rewards program attached to it called CURewards where you get one point for each dollars spent.
  2. Secured VISA – with credit lines available equal to share balance pledged
  3. Student VISA- which is limited to $1,000 with a qualified co-signer. The credit union has a great “Student Saver” package available which offers many more money savings to both the parents and students throughout the college experience.

Our VISA programs offer:

  • No Annual Fee
  • 25 Day Grace Period
  • Rates as low as 9.90% Annual Percentage Rate


Protect your on-line purchases by registering your VISA Debit Rewards Card with Verified By VISA.

Share Secured Loans

Take advantage of our Share or Certificate Secured Loans, which can allow you to borrow up to 95% of your Share or Certificate balances. Certificates Secured Loan rates are just 2% above the stated Term Share Certificate Rate.

Home Loans

First Mortgages

Looking for a First Mortgage?
Your search stops here!

Please click here to apply for a first mortgage or to check today’s current rates.

Second Mortgages & Home Equity Lines of Credit

Not a First Time Home Buyer?
Novartis Federal Credit Union can help you too!
We offer Second Mortgages and Home Equity Lines of Credit.
Please call our Loan Department in East Hanover at 973-947-1000 option 2.

We will be happy to help you with all of your mortgage needs.

*All Loans are subject to Novartis FCU lending guidelines and credit worthiness.