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Deposit Checks in a Snap! With Aspire Mobile Banking, the nearest branch is right in your pocket. Click here to learn more. Use our Surcharge Free ATM Network! Allpoint provides…
Read MoreAspire Mobile Banking allows you to obtain account balances, view transaction history, set up push notifications, pay bills and make transfers between accounts. You can also find the nearest Co-Op…
Read MoreDeposit Checks in a Snap! We are pleased to introduce Aspire Mobile Deposit. With Mobile Deposit, you can deposit checks with your smartphone! Simply download our mobile app for iPhone/iPad,…
Read MoreIntroducing our NEW Money Management Tool in My CU Online! Money Management is an industry leading personal finance management solution with an award-winning design and user experience. Get control over your finances with…
Read MoreCall24 Telephone Teller Enjoy convenient access to your Aspire FCU accounts 24-hours a day, with a quick, toll-free telephone call from any touch-tone phone. You can: Get started today! Simply…
Read MoreThere’s no need to leave your desk while we’re at ours. Our highly trained Service Experts are here for financial guidance.
Read MoreThere’s an app for that! Aspire Mobile for iPhone® Bank wherever you are with Aspire Mobile for iPhone! Check balances, make transfers, find locations and pay bills while you’re on…
Read MoreWe’ve switched to Main Street Member Services, so please do not use the reorder slip for checks from Harland Clarke/Liberty. If you need new checks, simply contact our Member Service…
Read MoreAspire branches and offices will be unavailable the following dates in 2021: Call24 telephone banking service is available 24/7. You can reach Call24 at 732.388.0477, Option 1. You can also…
Read MoreClark Branch & Call Center Hours 67 Walnut Ave, Suite 401 Clark, NJ 07066 Monday-Friday: 9am – 5:15pm Saturday: Closed Sunday: Closed Shared Branching Network Our extensive shared branch network…
Read MoreYou’ll need more than just superior products and services to reach your financial dreams. You’ll also need easy, low-cost financial services that will help you manage your finances and budget.…
Read MoreLike all parents, you will do anything you can to keep your family safe and secure. That includes insuring your financial well-being throughout the years. We offer the following products…
Read MoreParticipating Organization If you are an employer, credit union membership is a unique way to enhance your benefit package and increase employee satisfaction at no cost to your organization. Aspire…
Read MoreDream Big Blog Our blog covers financial tips and advice that can help you achieve your financial dreams. We update this weekly and cover topics that can assist you throughout…
Read MoreAspire FCU routing number is 226076083
Read MoreAspire Savings Accounts At Aspire FCU, we know that part of helping you reach your financial goals is by providing you with tools that will help you stay on the…
Read MoreShare Certificates Share certificates are the equivalent of Certificates of Deposit (CDs). These investment products offer several benefits: If you need to save for something big, a share certificate can…
Read MoreIndividual Retirement Accounts (IRAs) Aspire FCU offers many IRA products to enhance your retirement plan. You may choose from Traditional and Roth IRAs, Coverdell Education Savings Accounts and an IRA Accumulator,…
Read MoreA money market account pays interest based on current rates in the money markets. These “money markets” are the hub where transactions with high liquidity and short maturities are traded.…
Read MoreLost or Stolen Credit Cards: 800.449.7728 Lost or Stolen Mastercard Debit Cards: 866.820.1072
Read MoreFinancing a car doesn’t have to be a difficult process. As a member of Aspire, you will receive low rates, affordable options, and added conveniences! We even offer complete insurance…
Read MoreHome Equity Line of Credit (HELOC) (also known as a Second Mortgage) Once you’ve built up equity in your home, you can make it work for you by turning that…
Read MoreFirst Mortgages We’ve recently partnered with Land Home to offer Aspire members Mortgages, Refinance Options, and Reverse Mortgages! Click here to learn more and apply or call 855.995.5039. Our NMLS number is 484682. Existing Mortgages…
Read MoreA personal loan is a great resource to help you with smaller purchases or unexpected needs that come up at different times in your life. Aspire FCU offers competitive rates,…
Read MoreSecured Loans offer you a lower interest rate than other personal loans by securing your savings as collateral. We offer share (savings) secured loans and share certificate (CD) secured loans.…
Read MoreUnfortunately, we are not offering Refinance Student Loans at this time. Please check back soon, as we hope to help you with your lending needs in the near future. If…
Read MoreExperience Love at First Swipe with a NEW Aspire FCU Platinum Mastercard®! We are excited to introduce the new Aspire FCU Platinum Mastercard. Get ready to shop ‘til you drop!…
Read MoreExperience Love at First Swipe with an Aspire FCU World Rewards Mastercard®! Get ready to shop ‘til you drop! You’ll score major savings with a 0% introductory APR* on balance…
Read MoreYou use your credit card everywhere. When you get your morning coffee, on your lunch break, filling up your gas tank… it’s easy to swipe and sign all your purchases.…
Read MoreLost or Stolen Credit Cards: 800.449.7728 Lost or Stolen Mastercard Debit Cards: 866.820.1072
Read MoreGreat News! We have created an updated site that will provide you with quick and easy-to-use features to access your credit card information. In order to take advantage of the changes, you will need to register the first time you access the new site.
Read MoreThere are many benefits of being an Aspire FCU member. In fact we, have to break them up in categories: Joining a Credit Union You might be wondering why you…
Read MoreShared Branching Update Need a Shared Branch? Aspire members can access many branches across the country. Click here to locate a branch near you. Please contact Aspire FCU first for more information…
Read MoreComing Soon!
Read MoreHere’s what our members are saying about Aspire FCU…
Read MoreSave time and money on your next car by doing your research first through our Member Showroom by TrueCar. You’re ensured a simple, no-hassle car buying experience and an average savings…
Read MoreLost or Stolen Credit Cards: 800.449.7728 Lost or Stolen Mastercard Debit Cards: 866.820.1072
Read MoreGeneral Questions: Why should I join a credit union? Credit unions are not-for-profit financial cooperatives, which means all earnings are returned to members in the form of better, low-cost financial…
Read MoreSee how much you can save with Aspire FCU. Keep your money in your pocket, not the dealer’s!
Read MoreYour Funds are Safe and Secure at Aspire Federal Credit Union Despite current economic conditions, your Credit Union remains financially strong and we’re ready to serve all your financial needs.…
Read MoreCOVID-19 A Message to our Members We Understand… At Aspire FCU, your health and well-being are a priority. Many of you may be feeling concerned and uncertain with the news…
Read MoreBuying a new car can be exciting, nerve-wracking, fun, and frustrating all at once. With the average price of a new car being $30,000, it makes sense. It’s a big investment that you’ll probably live with for a long time. In fact, the average age of a U.S. car is 11.4 years with owners hanging on to their vehicles for six years.
To help avoid any of these frustrations throughout this exciting time, this guide will walk you through the process of buying a new car!
You have a lot to think about when it comes to selecting a new car. First, think about what you need your vehicle for and what it has to handle:
If you’re spending a lot of time on icy roads, you’ll want to look at a truck or car with four-wheel drive capabilities.
Driving in the city can be much easier to manage with a luxury vehicle and/or energy-efficient hybrid.
If you’re making trips with heavy loads, you’ll want a vehicle that can handle that. Trucks, vans and spacious sedans should be on your list.
Precious cargo? If you’re toting kids around, you’ll want something comfortable for everyone and energy-efficient for getting everywhere you need to go.
Aspire’s Member Showroom by TrueCar is a great place to get started your car shopping! When you find a car you like, do your research. Go to: CarFax, Kelly Blue Book, and review sites. You should also look at reliability reports and safety ratings.
Avoid letting your emotions take the wheel when going for a test drive. Car salesmen will first try to make you feel like you already own the car by telling you to adjust seats, mirrors, radio stations, etc. to appeal to your excitement. Being aware of this tactic allows you to not let your excitement build too much.
Once you’ve picked a vehicle and are ready for a test drive, take this checklist with you to ensure everything
looks good.
Before you talk seriously with a salesperson, you need to figure out what you can afford. Edmunds offers a calculator to help you determine how much car you can afford.
You’ll also need to decide if you’re going to do anything with your old car.
PROs for Selling Your Old Car Yourself:
CONs for Selling Your Old Car Yourself:
You’ll need to spend time getting your car ready, posting ads and fielding phone calls.
After you decide what to do with your car, you should:
When you have all that together, you’re ready to talk to a salesperson
Go into negotiations after a light meal or snack, as this may take awhile. You want to have a systematic approach to this meeting: focus on the price of the new car first, then the trade-in (if you’re doing that), then the terms of the loan. If you’re uncomfortable at any time during this process, walk out.
The dealer may ask you to share the monthly payment you can afford, but don’t fall for it. This enables them to get more money from you in the long run. Your goal is to get them to go first so you have a starting price.
The dealership may throw a lot of specials and promotions your way. You may have the option to have an extremely low interest rate or a cash rebate. The cash rebate is almost always the best choice. Lower interest generally means they jacked up the price of the car and you’ll be paying it off longer. A cash rebate can go right back towards the car. This calculator can help you determine what your best choice is. You will probably be offered an extended warranty as well. Surveys have shown these warranties are almost never worth it, so it’s probably best to politely decline.
As a member of Aspire, you will receive low rates, affordable options, and added conveniences! We even offer complete insurance coverage at a great rate. We offer:
Member Contact Center 732-388-0477
Loan Hotline
1.855.MY CU LOAN
1.855.692.8562
Call24: 732-388-0477
Lost or Stolen Credit Cards: 1.800.449.7728
Lost or Stolen MasterCard Debit Cards: 1.866.820.1072
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