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You must be a 1st Bergen FCU member in good standing to apply. New members are welcome to join the credit union and apply for a loan. Qualification for loan special, Annual Percentage Rate, and terms based on creditworthiness and are subject to change without notice. Not all borrowers and vehicles qualify, please speak with a Loan Officer to determine if your loan request qualifies. Special offer valid for loan applications submitted from 2/15/2026 to 3/31/2026. 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