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NJ Transit

Attention NJ Transit – An Exclusive Employee Benefit for You!
Special benefits for NJ Transit Employees!

Send your questions/comments to businessdevelopment@aspirefcu.org.

Why Aspire?

Here’s why your fellow team members love to bank with us:

  • Early Payroll Program* gives you your paycheck Thursday morning when you sign up for direct deposit (should there be a holiday that falls on a Monday i.e. President’s Day, there may be a delay in the Early Payroll Program for that week’s pay – you may receive your payroll on Friday instead of Thursday morning)
  • A network of over 55,000 surcharge-free ATMs
  • Easy-to-use online and mobile banking platforms
  • Low rates on loans
  • Free rewards checking account
Join now >>

Discover Digital

From April through June, one lucky person will win the $2,500 monthly grand prize – it could be you! You can earn entries into the sweepstakes every time you log into online or mobile banking, and when you discover these time-saving tools:*

  • Add an Alert or Notification
  • Add an eBill to Bill Pay
  • Complete a Mobile Check Deposit

The MORE you discover the MORE entries you’ll earn – up to 10 per day!
You must visit the sweepstakes site and enter your information to be in the drawing.

Click Here to Enter Sweepstakes >>

*NO PURCHASE NECESSARY TO ENTER OR WIN A PRIZE. Open to legal residents of the 50 United States including D.C. 18 years or older who are individual members of a participating financial institution. Ends 6/30/17. Void where prohibited. Please read the official rules for odds, prize descriptions and how to enter without incurring any applicable financial institution service fees that may apply (if your financial institution charges a fee to use online bill pay).


Aspire FCU has teamed up with TurboTax to help get you your maximum refund. Aspire FCU members are eligible for discounts on TurboTax products – just click the banners in My CU Online!

Love My Credit Union Rewards Program

How do exclusive discounts on things you use every day sound? That’s what you get with Love My Credit Union Rewards! Credit union members save on everything from a new GM vehicle to Sprint service & more.

*When we get it, you get it! When you enroll in Direct Deposit with Aspire FCU, your paycheck funds will be available as soon as we receive a payroll posting from NJ Transit. This typically occurs on Thursday mornings. Subject to change based on federal holiday schedule.

Not yet a member? Join now!

Joining Aspire is quick and easy. You’ll get all of the benefits of being a member-owner of your financial institution. Plus, take advantage of NJ Transit-specific products and services.

Use promo code FREENJT to have your $5 start-up amount to be paid by us!

Give us a Call

A knowledgeable service expert will talk you through the application process when you call 888.322.3732, Option 3.

Aspire Online Membership Applications

It’s quick and easy to join online. Click here to apply!

What You’ll Need to Apply
  • Your driver’s license number
  • Home address
  • Social security number
  • Debit/credit card to add funds

NJ Transit members will be credited for the $5 share when using promo code FREENJT.

Get started >>

Direct Deposit – Aspire’s Swift Access Payroll Program

Would you like to have access to your NJ Transit payroll funds on Thursday morning without having to go to a branch to cash your paycheck? When you enroll in Direct Deposit with Aspire you can access your funds with your Debit card as soon as your NJ Transit payroll posts to your account.*

Finding one of our surcharge-free ATMs is easy with our Branch/ATM Locator.

New Credit Union Members

Initiate Aspire Direct Deposit by downloading, printing, and completing the Aspire Direct Deposit Enrollment Form. Please note our ABA Routing #226076083 and include your member account number. Indicate deposit amount and if it should be directed to your Checking or Savings account. Sign and date the form and submit it directly to NJ Transit Payroll Deduction Department.

Download form >>

Current Aspire FCU Members

To make changes to your existing direct deposit please obtain and complete the NJ Transit Direct Deposit Application and submit it direct to the NJ Transit Payroll Deduction Department. Please Note: Aspire FCU Routing Number: 226076083. Please include your member account number.

We’re here to help you. If you have any questions or concerns, do not hesitate to ask. Call one of our friendly Service Experts any time, day or night at 888.322.3732, Option 3.

*When we get it, you get it! When you enroll in Direct Deposit with Aspire FCU, your paycheck funds will be available as soon as we receive a payroll posting from NJ Transit. This typically occurs on Thursday mornings. Subject to change based on federal holiday schedule.

Online and Mobile Banking

Screen Shot 2015-02-02 at 6.21.34 AM While we do have a branch in New Jersey and New York, we’re able to serve members anywhere. That’s because most of our members depend solely on our electronic banking services.

With online banking, you can access your accounts online to check transactions, set up Bill Pay, make transfers and much more. You’ll also have access to your loans and MasterCard credit card as well.

Aspire Mobile Banking allows you to obtain account balances, deposit checks, view transaction history, use Bill Pay, set up push notifications, find a branch or ATM near you and make transfers between accounts. Mobile banking uses the same login information as online banking.

Check Out These Online/Mobile Banking Features

Online banking can make your life more convenient, and even help you save!

Popmoney – You can transfer funds to another person using their email address or phone number.

Purchase Rewards – When you use your Aspire MasterCard Debit Card, you’ll get cash back offers from the types of stores and restaurants you like to go to.

Quick Balance – You can now view your account balance and recent transactions without logging in. A swipe down on the Mobile Banking logging screen will provide this information for you. You just need to activate this feature in Settings in Mobile Banking.

Log into online banking to enjoy these features!

App Store

We have a variety of apps available to help you manage your money more easily:

  • Mobile banking apps for Apple, Android and Amazon devices
  • Shared branch locator
  • Surcharge-free ATM locator

View them all here.

Shared Branches & ATMs

Aspire has over 5,000 Shared Branch locations and 70,000+ Surcharge-Free ATMs in our network.

Shared Branches – We’ve partnered with other financial institutions across the nation so you can have easy access to your money. At a shared branch, you can deposit, withdraw or transfer money. You can also inquire about your loan balance and make loan payments.

Surcharge-Free ATMs – Use your debit card to access your money at a surcharge-free ATM near you.

Please note that only Aspire, Allpoint & Co-Op network ATMs are surcharge free.

Download the apps or use the map on this page.

Apply For a MasterCard Today!

As a NJ Transit employee, you’re eligible to apply for an Aspire MasterCard Credit Card! With low rates, no balance transfer fee and 0% APR* on balance transfers for six months, our cards provide an alternative to those other high rate cards! Apply for one of our cards today!

*APR=Annual Percentage Rate. 0% introductory rate for six months. After the introductory period, APR will depend on individual creditworthiness. For qualified borrowers only. Must apply and be approved for credit card first before applying for balance transfer.

Loans Available at Aspire

For detailed information, visit this page or contact a Loan Expert at 855.692.8562.

Personal Loan – You can apply for one of our Signature Loans with higher credit limits or a FlexLine of Credit to be more prepared for unexpected expenses.

Auto Loan – We offer up to 100% financing on new and used vehicles, competitive rates, plus other benefits for financing your vehicle with Aspire. Need to make sure the vehicle you want is safe? We’ve partnered with CARFAX so you can get your report for just $15!

Mortgages – We can help you buy your first home or refinance your existing mortgage.

Credit Builder Loan – Build new credit or restore credit history with a Credit Builder Loan. A loan is made to you, but the funds are put on hold in your savings share account until you’re able to pay it off.

Apply for a loan here >>


Help Safeguard Your Loan with MEMBER’S CHOICE™ Borrower Security
You have dreams for yourself and your family – a happy retirement, college plans, a new car. But have you considered how you or your family would cover your financial obligations if you fell victim to an unfortunate event?

With MEMBER’S CHOICE™ Borrower Security, every eligible member pays the same fee and you only buy enough protection to cover your loan balance. Tying protection directly to your loan means you’ll have exactly the right amount of protection – no more, no less, and that saves you money. Other benefits include:

  • Simple eligibility requirements
  • Fast, easy enrollment
  • Immediate enrollment for eligible borrowers
  • Convenient – fee can be included in your monthly payment

You can count on MEMBER’S CHOICE™ Borrower Security to step in when you and your family need help the most.

Contact a Loan Consultant at 732-388-0477 to learn more about the plans available.

*This is a summary of our Payment Protection program. Enrollment in the program is voluntary and not required to obtain a loan. Member’s Choice Borrower Security Program is a debt cancellation product available through Aspire Federal Credit Union. Please contact your Aspire Federal Credit Union Loan Consultant, or refer to the Member Agreement for additional information on benefit maximums, eligibility, and limitations.

Refi Your Ride

Aspire is on a mission to save you money! Simply refinance an existing vehicle loan from another lender with us, and we’ll cut your current rate in HALF.* With our floor rate of just 2.99% APR, **you can maximize your savings potential.

So act now to refi your ride and leave high rates behind!

Applying is an easy, two-step process. Visit EscapeYourRate2017.com to answer a few questions, and then we will give you a call to proceed with the application.

*Floor rate is 2.99% APR. Qualified borrowers only. Actual rate is based on individual creditworthiness. Offer applies only to auto loans being refinanced from other lenders. **APR=Annual Percentage Rate. Offer ends on June 30th, 2017.

Vacation Loan

You work hard for your time off. We want to help you make the most of it. Our Vacation Loan is designed to put you right where you want to be with payments you can afford. Make your travel plans today and enjoy:

  • Competitive Rates
  • 12-Month Term
  • $2,017 Loan Amount

Apply online or call 855 MY CU LOAN

*Qualified borrowers only. Actual rate is based on individual creditworthiness.

Six Flags Discount Tickets

Congratulations! Aspire FCU is now signed up for savings! Just log into your own Six Flags site to buy tickets with substantial savings off the main gate price. This online benefit program offers not only substantial savings, but allows you to “print and go” so you have your ticket in hand when you get to the park with no waiting in line to purchase tickets.

To access your special tickets, please go to sixflags.com/PartnerLogin then log into the site with the username and password provided

  • Username: aspirefcu14
  • Password: SixFlags1

Use promo code FREENJT to have your $5 start-up amount to be paid by us!


ePower Plus

Empower your finances with Aspire’s new ePower Plus checking account! We’ll give you 1,000 bonus enrollment points ($5 cash back) when you open the account. Plus, we’ll help you:

  • Boost Purchases with Points – when you have to spend money, use your debit card to earn 1 point for ever $1 spent, redeemable for cash back!
  • Benefit from Special Promotions – earn bonus points throughout the year during special promotional periods.
  • Turn Everyday Purchases into Cash – with our Purchase Rewards program, you can use your debit card to get cash back offers from participating retailers. You can also get cash back through Love to Shop! Shop online at over 1,500 of your favorite stores, including Target, Best Buy and Gap. Every time you earn $15 or more in cash back from your purchases, you’ll receive a check with the cash back you earned! Shop using your Aspire Debit Card and save even more money!
  • Fight Identity Theft – enjoy ID Theft Protection featuring insurance up to $25,000 – a great perk that’s 100% FREE with this account! We’ve partnered with one of the nation’s most trusted names in ID theft protection to provide fully managed identity fraud research, remediation and recovery, as well as lost document replacement and optional credit monitoring. Coverage extends to up to three generations of your family!
  • Focus on Rewards (Not Requirements) – we make it easy to earn rewards. Dip your EMV chip and SIGN! There’s no minimum spending amount required to start earning points.

Open your ePower Plus account today – and experience a new kind of banking!

Resources For You

Dream BIG! Blog – We post a couple times a week with financial advice, promotion and news that may affect you.

Used Vehicle Checklist – Our handy checklist can be printed and taken to the dealership to help you feel confident about examining your potentials.

Banks vs. Credit Unions

What is a credit union?

A credit union is a not-for-profit financial cooperative organized to provide a full-range of financial products and services to its members, who are also owners of the credit union.

Am I eligible to join?

All NJ Transit employees, whether full-time or part-time, are eligible to join Aspire FCU. Your immediate family members are also eligible to join. And once you’re a member, you’re always a member, even if you change jobs or move out of the area.

What makes Aspire better than a bank?

Aspire FCU provides consumers with another option to serve their financial needs. Since we are not-for-profit, we’re typically a lower cost alternative for a consumer. Members will also experience personal service because at Aspire, you come first, not stockholders.

Is my money safe at Aspire FCU?

Yes! All savings accounts are insured up to at least $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Not one penny of insured savings has ever been lost by a member at a federally insured credit union.

Can I borrow money from Aspire FCU?

Aspire FCU offers many types of loans from used & new auto loans to first & second mortgages. We even offer a Credit Builder Loan for those just starting out who need to establish credit or those who need to work on improving their credit score. Our friendly Loan Experts are dedicated to working with you to decide which loan best suits your needs.

How do I access my money? Is there a branch nearby?

There are various ways you can access your accounts. You can enroll in our FREE online banking website, call our Call Center at 888.322.3732, Option 3, or set up Mobile Banking.