Business Details
Your Trusted Credit Union for Loans and Savings in Jersey City
Path Fcu has been dedicated to providing comprehensive financial services to PATH and Port Authority employees since our founding. We specialize in offering competitive loans, savings accounts, and personalized financial solutions tailored to meet the unique needs of our members. With decades of combined experience, our team ensures every client receives expert guidance and reliable support. We maintain strict compliance with financial regulations and prioritize member satisfaction through transparent practices. Our commitment to community-focused banking establishes us as a trusted partner for managing personal and business financial goals. 
Services
Auto Loans
Home Equity Loans
Personal Loans
Checking Accounts
Savings Accounts
Credit Cards
Certificate Accounts
Highlights and features
- We offer competitive loan rates for home, auto, and personal financing needs.
- Our team provides personalized financial guidance to PATH and Port Authority members.
- We maintain transparent fee structures with no hidden charges.
- Our online banking platform enables 24/7 account management.
- We specialize in customized savings solutions including holiday and vacation clubs.
Services
Share Secured Loans
These loans use your share account as collateral up to $20,000. We offer 3% APR for 24 months or 4% APR for 36 months. Funds can be accessed in $500 increments for members needing reliable financing while building credit.
Home Improvement Loans
Available up to $5,000 at 10% APR for 24 months. Requires contractor receipts and designed for PATH members making home upgrades. Funds paid directly to member and licensed contractor for project transparency.
New Car Loans
Competitive rates from 2.9% APR (750+ credit score) to 4.9% APR for $35k-$50k vehicles. Requires lien holder documentation and insurance loss payee forms. Terms up to 60 months for new vehicle purchases.
Vacation Loans
Up to $4,000 at 8% APR for one-year terms. Requires travel receipts for hotel, airline, or agency bookings. Designed to help members plan vacations with predictable repayment schedules and clear documentation.
Personal Loans
Available up to $25,000 based on membership duration. 18% APR max for 48 months. Requires credit check and debt ratio analysis. Limits vary from $5,000 to $25,000 depending on 1-20+ years of membership history.
People
Edward N. Rehm
President
Edward N. Rehm leads Path Fcu's strategic direction with extensive financial leadership experience. He oversees credit union operations and ensures alignment with member needs while maintaining regulatory compliance and financial stability.
Denise Kingsberry
Manager / COO
Denise Kingsberry manages daily operations as Chief Operating Officer. With deep credit union expertise, she implements policies that enhance member services and operational efficiency across Path Fcu's financial offerings.
Joseph McCloskey
Secretary
Joseph McCloskey maintains organizational records and ensures governance compliance. His role focuses on accurate documentation of board decisions and supporting transparent credit union administration.
Ayasha Heyliger
Customer Representative/Teller
Ayasha Heyliger provides frontline member services including account management and transaction processing. She delivers personalized support while maintaining accuracy in daily financial operations and customer interactions.
Frances Roberts
Loan Officer
Frances Roberts evaluates loan applications and guides members through financing options. She ensures proper documentation for home improvement, auto, and personal loans while maintaining underwriting standards.
Questions
Who is eligible for PATH FCU membership?
PATH and Port Authority employees, contractors, and select groups qualify. Visit our website to verify eligibility and complete the online application.
What loan types do you offer?
We provide auto loans, home improvement loans, personal loans, credit card debt consolidation, and vacation financing with competitive rates and clear terms.
How do I reorder checks?
Check reordering is available through our member services portal. Log in to your online account to request new checks securely.
What are your savings account options?
We offer regular share accounts, holiday clubs, vacation clubs, and certificates with flexible terms and dividend-earning potential.
Can I access accounts online?
Yes, our online banking platform provides 24/7 access to account management, transfers, and financial tools for member convenience.
What are your branch hours?
Monday 8:30 AM-3:30 PM, Tuesday-Thursday 8:00 AM-3:30 PM, Friday 7:00 AM-2:00 PM. Closed weekends and major holidays.
