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 Rates
  • New Auto Loans 1.99% APR*
  • Used Auto Loans 2.99% APR*
  • Personal Loans 10.50% APR*
  • Mortgage – 30 Yr Daily Rates
  • HELOC 4.00% APR*
  • Home Equity Fixed 6.25% APR*
  • 12-Month CD .40% APR*
  • 24-Month CD .60% APR*
*as low as
APR=Annual Percentage Rate

Loan Rates Savings Rates
Account Switch Kit

We've made switching your accounts to ADPFCU easy with our convenient switch kit.

Switch Accounts

Credit Cards

Credit Cards with Exceptional Value and Benefits!

Stop paying high interest and high fees and start saving today with an ADPFCU credit card. Our cards offer:

  • Low annual fixed percentage rate
  • Flexible credit lines
  • Cash advances
  • NO annual fee
  • Convenient payment by mail, by phone, Direct Debit, Home Banking, and Direct Connect Automated Telephone Service
  • Online account access
  • Plus special benefits

You can choose our MasterCard Classic, our Rewards Platinum MasterCard featuring airline, hotel, car rental, and merchandise rewards, or our Secured MasterCard.

In addition to the purchasing power you deserve, a low fixed interest rate, and no annual fee (with one retail purchase per year), you'll also feel confident knowing that your card is serviced by dedicated ADPFCU staff.

Transfer Your Balances and Save

Contact ADP FCU today to apply for an ADP FCU MasterCard and ask about transferring your other credit card balances. Apply for your card, or request a fax application by calling Fax on Demand at 973-974-7600, option 6.

Apply Now  Current Rates 

 

Classic MasterCard  

A solid option for your everyday purchases, emergencies and other credit needs.
  • Low fixed annual percentage rate
  • NO annual fee
  • 25-day grace period on purchases
  • Cash advances
  • NO minimum finance charge
  • NO credit limit increase fee
  • NO account setup fee
  • ATM access worldwide
  • Convenient payment by mail, phone, Direct Debit, Home Banking, and Direct Connect Automated Telephone Service

Apply | Rates | Disclosures | Billing Rights

Rewards Platinum MasterCard    

With our Rewards Platinum MasterCard you get more than purchasing power and convenience. Every dollar you spend earns Bonus Points redeemable anytime you wish, for Travel Services and brand name merchandise.

  • Low fixed annual percentage rate
  • NO annual fee
  • 25-day grace period on purchases
  • Cash advances
  • NO minimum  finance charge
  • NO credit limit increase fee
  • NO account setup fee
  • ATM access worldwide
  • Convenient payment by mail, phone, Direct Debit, Home Banking, and Direct Connect Automated Telephone Service

    PLUS
  • Airline travel
  • Top quality brand name merchandise
  • Fly any airline - no blackout periods - quick turnaround
  • 24 hour emergency card replacement and cash advance
  • Credit lines up to $20,000
  • Travel emergency assistance
  • Merchandise catalog, Bonus Points balances, and redemption available online
  • And many more!

Apply | Rates | Disclosures | Billing Rights

Secured MasterCard 

Establish or build your credit with our Secured MasterCard. Here's the facts:

  • Low fixed annual percentage rate
  • NO annual fee
  • For the credit line requested, the pledge amount will be 120% of the line request
  • ATM access worldwide
  • 25-day grace period on purchases
  • No minimum finance charge
  • NO credit limit increase fee
  • NO account setup fee
  • No transaction fee
  • Convenient payment by mail, Direct Debit, Home Banking, and automated teller Direct Connect Automated Telephone Service

Apply | Rates | Disclosures | Billing Rights

NCUA Insured
NCUA

Your savings federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

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