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The ABCs of building good credit
Managing Your Money

The ABCs of building good credit

Credit scores are not something that most people think about very often, but having a good score is crucial. In addition to needing a good score for a loan, you need a credit check to:Obtain utilitiesApply for a jobRent an apartmentApply for insuranceObtain cell phone serviceYour credit score isn't something ...

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The difference between APY and interest, and how it impacts your savings
Managing Your Money

The difference between APY and interest, and how it impacts your savings

If you’ve been looking to build your savings, you've probably come across interest-bearing accounts like high-yield savings accounts or certificates of deposits (CDs). The terms “interest rate” and “annual percentage yield” (commonly referred to as APY) tend to be thrown around a lot, and seem to be used interchangeably. While they are ...

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The power – and importance – of second chances
Our Commitment

The power – and importance – of second chances

 The New Jersey Reentry Corporation (NJRC) believes in access; access to job training, educational and financial resources, and employment to effectively reintegrate and rehabilitate individuals who have been previously incarcerated.This access is critical, because without it, these individuals can face several barriers that make their reintegration into the workforce and ...

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Revitalizing New Jersey communities
Our Commitment

Revitalizing New Jersey communities

Access to affordable housing, employment, education, and economic mobility are key to a thriving community. These four pillars are critical, yet access to each is still needed in communities nationwide.  In New Jersey, the state’s Neighborhood Revitalization Tax Credit (NRTC) program has helped increase this access, fostering strong community development projects for ...

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From Dream to Reality: Ebony’s journey to homeownership
Our Commitment

From Dream to Reality: Ebony’s journey to homeownership

Homeownership - and the agency that comes with it - is a milestone that everyone should be able to experience. However, rising interest rates and a low housing inventory have kept homeownership out of reach for many, including Ebony Tarrance, a mother and hair stylist from Montgomery, Alabama. Becoming a homeowner ...

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How to plan for unexpected new home costs
Managing Your Money

How to plan for unexpected new home costs

  The housing market has been pretty volatile the past few years, with the median price of homes hovering around $400,698 in March of 2023[i]. If you’ve managed to save up enough cash for a down payment and closing costs, congratulations! Being a first time home-buyer is quite an accomplishment. After the ...

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