OBJECTIVE: 

To meet members financial needs at the lowest possible cost and to avoid unnecessary risk while serving the borrowing needs of the members by providing a framework within which lending personnel can operate promptly, with confidence, relative uniformity and flexibility.

COMPLIANCE: 

This credit union will comply with the letter and intent of all applicable laws and regulations of the United States and of the State of New Jersey.

The credit union will comply with Regulation B (Equal Credit Opportunity), and no credit union member will be denied any service of this credit union due to discrimination because of race, color, religion, national origin, sex, marital status, or age (Provided that the applicant has the capacity to enter into a binding contract), or the fact that all or part of the applicant's income is derived from any public assistance program.

The credit union will comply with Regulation Z (Truth-in-Lending), which promotes the informed use of consumer credit by requiring disclosures about its terms and cost.