Here at Rutgers Federal Credit Union, we strive to be as transparent as possible with our members. Stop in for our disclosures, which go over important terms and conditions relating to your deposit and loan accounts with us. When you open an account with us, you agree to the terms and conditions described in these disclosure and agreement pages. These terms and conditions are governed and interpreted according to New Jersey and Federal law. We may change the terms and conditions any time and will notify you of these changes in accordance with applicable laws and regulations. If you maintain your checking or savings account or renew your term account after the effective date of the change, you indicate your agreement to the change. The accounts described in the disclosures are affected by several particular federal laws.