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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 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 MoreStimulus Check Round 3 As you may have heard, many Americans will be receiving the third round of stimulus checks also known as Economic Relief Payments from the Internal Revenue…
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 More
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 services. Check out this guide or watch this video to learn more.
How do I access my account?
You can access your account from your computer via My CU Online. You also have the option to set up mobile banking or just call Member Services at 732.388.0477
I’m having trouble using online banking and/or eStatements. What’s wrong?
Typically when members have issues with interacting with our digital tools it has to do with cookies. Cookies will need to be enabled for online banking/eStatements to work properly.
To find out what browser you’re using, click here.
Detailed instructions for enabling cookies in each browser are available here.
How do I change my password?
You’ll find the link to change your password on the My CU Online login page.
Why do you need my updated contact information?
If we notice suspicious activity or another problem with your account, we’ll need to contact you! Having the best way to reach you will ensure the problem gets fixed more quickly.
What does ACH mean?
ACH stands for Automated Clearing House. ACH processes direct deposit and direct debit transactions electronically. Most ACH transactions come from payroll, online bill payment and mortgage repayment.
Why won’t my browser display your site?
You may need to upgrade your browser or try using a different one. You should also allow pop-up windows for the Aspire FCU site. Click here for a great resource on enabling pop-ups in different browsers.
There are a couple ways to make a deposit; it all depends on which method you prefer. If you are looking for convenience, we offer mobile services for deposit. On our mobile application you can deposit checks up to $10,000 at a time.
If you prefer to deal with a person directly then you can visit one of our affiliate/sister branches where you can access your Aspire account directly for deposit purposes.
Why isn’t my direct deposit available immediately?
Availability of direct deposits relies mostly on when they are processed by your respective employer. In most cases, this process takes 2-3 business days. However, employers account for this time making your direct deposit available on your actual pay date.
If we receive your direct deposit earlier than your pay date, we may post the funds to your account early for your convenience, but the funds are not guaranteed to be in your account until the actual pay date of that deposit.
How much can I withdraw at the ATM?
You can withdraw $1,500 per 24 hour period.
Why is there a hold time when I call in?
First and foremost, we give all our members the attention they deserve and make sure all questions, transactions and/or issues are resolved. We’ll give you the same attention, too!
We’ve also recently lowered our auto loan rates and have been happily surprised by the overwhelming response from our members. This did contribute to the delay in answering our members’ calls, and we apologize for this inconvenience.
How do I change my Debit Card PIN?
Simply dial 866.985.2273 and follow the prompts. The system is an automated system that will activate and/or change your PIN number once it verifies your identity and card information.
Since you only have one branch, how can I bank with you?
We do only have one Aspire branch; however we have affiliations with over 5,000 credit union locations Nationwide where you can bank. You can find one near you here. This is what’s known as shared branching.
We also have our mobile app where you can deposit checks up to $10,000, with availability within two business days.
Is Shared Branching Safe?
Yes, shared branching is safe. It is a sister credit union that participates in the shared branching network. It’s just as safe as doing your banking in an Aspire branch.
What can I do at a shared branch?
A Shared Branch can perform nearly every teller service:
Are there any fees at a Shared Branch?
Most common transactions do not have an associated fee however, traveler’s checks, cashier checks and money orders may; members would be subject to the Shared Branch’s current fee schedule. Additional services, if offered, such as notary services may also have a fee.
How do I qualify for a loan with Aspire?
Must be 18 years old, US Citizen, and have a stable income. After filling out an application, our underwriters will review your information to determine eligibility.
Why can’t I find out right away if I’m approved for my loan?
We try not to keep you waiting too long; most loans are approved within 24-48 hours. All applications need to be reviewed by the underwriters and sometimes there is additional information we need to help make the decision on the loan.
Why do I have to be joined on a loan just because I’m on a joint membership?
Each loan is attached to a membership account. If you would like to open an individual loan, you can do so by opening a separate account.
What steps should I take in repairing my credit?
In order to repair your credit we have a wonderful program in place called a “Credit Report Review.” One of our knowledgeable staff will review your credit report and give you tips on how to improve the score. We also have a Credit Builder loan, where you actually are paying the loan first, and once the loan is paid in full, we advance the money to you. It is really a loan in reverse!
What is Cross Collateral?
Cross collateral is when the Credit Union can repossess a member’s automobile if the member has another loan (auto, personal, etc.) that is delinquent. The Credit Union can also transfer money from any share account to offset a delinquent loan or negative share account.
Why can’t I change my loan due date?
Due to federal regulations, we set a payment date for both unsecured loans and lines of credit.
How is my loan payment applied?
The interest is satisfied then the remainder of the payment is applied to the principal balance.
What are the benefits of being a member of Aspire?
A membership with Aspire affords you the opportunity to benefit from the great products and services we have to offer you, without having to worry about minimum balance fees often associated with some major bank products.
We provide great rates on our auto and personal loans, we offer vacation and holiday loans, home equity loans (also known as a Second Mortgage), and a variety of other services you can take advantage of as a result of your membership. We also offer you the opportunity to sit with one of our knowledgeable staff to review your credit report and provide you tips on how to improve that credit score.
Are there any fees associated with joining the credit union?
All we ask is for a $5 initial deposit which buys you a share within the credit union; this makes you one of our wonderful members.
Do I have to be a part of something to join the Credit Union?
You can join the credit union by a family member or employer referral.
Can my friends and family members join Aspire?
Yes, your friends and family are eligible to join. Family members may join because of their relationship with you.
Any of your family or friends may apply for membership right through our website.
What products and services do you offer other than loans?
Aspire Federal Credit Union is a full-service financial institution, and as such offers savings, checking, money market accounts, as well as share certificates, holiday and vacation accounts! You may apply for membership right on our website.
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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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Nashua, NH | Newark, NJ