We're Here For Your Borrowing Needs
At First Harvest Credit Union, you’ll find low rates, minimal fees, and exceptional local service for a better place to grow your financial future.
From Mortgages, Home Equity Loans, Personal Loans, and more, we're here to help you fund your life's financial needs, whatever they may be. Connect With Us to learn more about any of our lending services or email [email protected].
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Credit Cards
We’re committed to nurturing and supporting our members as they work towards their financial goals. Our Credit Card programs offer competitive rates that can help you stay in control of your finances.
Personal Loans
Finance almost anything with a low-rate personal loan tailored to meet your budgeting needs!
- No application or origination fees
- Borrow as much $20,000 for up to 60 months
- Minimum amount for new loans is $1,000 for 12 months
- View Rates!
New & Used Auto Loans
Upgrade your ride — or just your rate. We’ve got you covered with an affordable loan for purchasing or refinancing.
- Competitive rates for new and pre-owned vehicles – View Rates
- Get pre-approved for extra bargaining power upon auto shopping
- Refinance your current vehicle to potentially lower your payment
- Financing available up to 125% Loan-To-Value
Credit Builder Loans
Our Credit Builder Loan program is designed for those with limited credit history or is looking to re-build a good credit history.
- The funds borrowed are disbursed and held in a First Harvest Savings Account that earns dividends.
- Once the loan has been successfully paid in full, the funds are released to the borrower along with any earned dividends.
- At the end of the loan term, the borrower will have established a minimum of six months of payment history
Secured Loans
Enjoy more favorable rates and terms when you secure your loan with collaterals, such as your Savings or Certificates. While you receive a special low interest rate on your loan, your savings continue to earn dividends.
- No credit report necessary
- Borrow up to 90% of the amount held as collateral in an approved savings account type
- Choose from a wide range of available terms
- Enjoy prompt decision-making and processing based in South Jersey
Student Loans
Our partners at College Ave provide a simple application, useful tools, and a personalized loan experience to help you create a loan that works best for you and your budget.
- Easy online application – instant credit decision
- No application or prepayment fees
- Build a repayment plan that fits your budget
You can apply from your smartphone, tablet or laptop in just a few minutes and find out instantly if you're approved.
Home Mortgage Loans
Our Home Mortgage Loans are available for primary residences, second homes, vacation homes, and investment properties.
- Finance the home of your dreams in New Jersey or Pennsylvania
- Enjoy a quick and easy pre-approval process
- We offer a variety of mortgage programs available to help meet your borrowing needs
- Our Mortgage experts are available every step of the way
Home Equity Loans
Home Equity Loans traditionally offer lower interest rates than unsecured loans, providing a more cost-effective borrowing option. Additionally, Home Equity Loans can have longer term options, which can provide lower monthly payments.
- Leverage the equity in your home and turn it into cash
- Choose between a Fixed-Rate Home Equity Loan or Home Equity Line of Credit (HELOC)
- Use funds to consolidate your debt, fix up your house, and much more
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