CREDIT UNION OF NEW JERSEY

1301 PARKWAY AVE
Ewing, NJ 08628

Notable Rates	APY	Vs.Others
Savings	7.50%	2.30% →
1-Year CD	0.85%	2.25% →
2-Year CD	1.10%	2.50% →
5-Year CD	1.85%	2.80% →
30-Year Mortgage	N.A.	3.31% →
15-Year Mortgage	N.A.	2.77% →
HELOC	N.A.	4.00% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
Reviews

2019 Overview

General Credit Union Information

Credit Union Of New Jersey is an NCUA insured institution located in Ewing, NJ. It was founded in 1943 and has approximately $350.19 millions in assets.

Who can join?

If you work for the State of New Jersey, a state agency, commission or authority or any of the union's 200 groups, you are eligible for membership.

Retirees of these organizations and family members related by blood or marriage (aunts, uncles, grandparents, cousins, in-laws), are also eligible to join.

In addition, if you live, work, attend school or worship in Ewing Township, you can also join Credit union of New Jersey. Also, if you live in parts of Burlington County or Trenton, you are eligible to join.


NCUA Insured	Yes
Charter Number #	# 65597
Date Established	1943
Assets	$350.19 million
Loans	$286.97 million
Deposits	$325.12 million
Capital	$23.45 million

Field of Membership Restrictions

Membership in Credit Union of New Jersey is open to anyone (regardless of residency or employment status) by joining either the Ewing Public Educational Foundation or Credit Union of New Jersey Foundation. Membership is also open to the folloiwng: (1) employees and retirees (and their families) of the State of New Jersey; (2) employees of a New Jersey state agency, commission, or authority; or any of 200+ SEGs; (3) those who live, work, worship, or attend school in Ewing Township or live in parts of Trenton and Burlington County.

Deposit Rates - December 6, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Special: SAV	7.50%	$1	$500	Learn MoreShow Less
	0.05%	$500	$9,999	Learn MoreShow Less
Money Market	0.15%	$1,000	$9,999	Learn MoreShow Less
Money Market	0.20%	$10,000	-	Learn MoreShow Less
Premium Money Market Account	0.30%	$25,000	-	Learn MoreShow Less

Fixed IRA Rates	APY	MIN	MAX
	0.85%	$500	$99,999	Learn MoreShow Less

APY	MIN	MAX
0.25%	$500	$99,999	Learn MoreShow Less
0.35%	$500	$99,999	Learn MoreShow Less
0.85%	$500	$99,999	Learn MoreShow Less
1.00%	$500	$99,999	Learn MoreShow Less
1.10%	$500	$99,999	Learn MoreShow Less
1.35%	$500	$99,999	Learn MoreShow Less
1.60%	$500	$99,999	Learn MoreShow Less
1.85%	$500	$99,999	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.25%	$200	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.05%	$1	-	Learn MoreShow Less

Loan Rates - December 6, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CREDIT UNION OF NEW JERSEY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender	APR	Rate (%)	Fees	Monthly Payment	Learn More
NMLS ID: 424182	3.626%	3.625%	$42	$1,141	Learn More
NMLS ID: 2890 License#: 13256	3.625%	3.625%	($65)	$1,141	Learn More
NMLS ID: 3030	4.875%	4.875%	$0	$1,324	Learn More
NMLS ID: 3030	4.990%	4.990%	$0	$1,341	Learn More

See More Mortgage Rates →

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line	0.000 %	$0	Learn More More Info
Our APRs start at 4.99% for the most qualified applicants and are higher for other applicants. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-4.99% of your initial draw depending on your credit score and the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. Low fixed loan rate. Borrow $15,000-$150,000. Approvals in 5 minutes, funding in as few as 5 days No appraisal fee. No maintenance fee. No pre-payment fee. No late fee. Get approved in 5 minutes. Funded in as little as 5 days.
Bethpage Federal Credit Union	Intro APR 3.990 % After Intro: 5.000 % Intro Period: 12 months	$25,000	Learn More More Info
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply. APR Fixed for One Year Prime Rate for Life, Thereafter Prime Rate as of 1/22/2019 = 5.50% (Wall Street Journal). Floor APR=3.25%.
Third Federal Savings and Loans	3.740 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
People's United Bank, N.A.	5.000 %	$0	Learn More More Info
Rates and terms are subject to change without notice. Applications are subject to credit approval. The Annual Percentage Rate (“APR”) is a variable rate and is established based on an Index PLUS or MINUS a margin. The Index is the highest United States Prime Rate as published in the Eastern Edition of The Wall Street Journal ("Prime Rate") on the last business day before the start of each month’s billing cycle. The minimum APR is 3.50%. The maximum APR is 18.00%. The rates shown reflect a 1-to 2 unit owner occupied primary residence, including condominiums. Receive a .25% percentage point rate discount if you choose to make your payment using auto debit from a People’s United checking account. Other terms and conditions may apply. There is a $75 annual fee, which is waived for qualified People’s United Bank checking accounts. There is a prepayment penalty fee of $500 if you close your account within two (2) years after the date of your Note. If the Note is secured by property located in the State of New York, borrower(s) must also pay People’s United Bank back the mortgage tax paid by the Bank at the time of the origination of the Note . Home Equity Lines of Credit are available only for 1 - 4 unit owner occupied primary residences, 1 unit second homes and condominiums in Connecticut, Massachusetts, Maine, Vermont, New Hampshire and select counties in the state of New York and are not available on cooperatives or properties listed for sale. The Home Equity Line of Credit has a minimum line amount of $25,000 and a maximum line amount of $750,000. Property insurance is required. Flood insurance may be required. People’s United Bank, N.A. Member FDIC Equal Housing Lender NMLS#464603 No appliction fee, no origination fee and no closing costs Pay interest only during the 9.5 year draw period Over 175 years of exceeding customer expectations Fast and easy online application - apply today

See More Home Equity Rates →

Note to CREDIT UNION OF NEW JERSEY
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Credit Union Of New Jersey branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut

Credit Union Of New Jersey Locations

Financial Details

Credit Union Of New Jersey Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Credit Union Of New Jersey. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Credit Union Of New Jersey	U.S. Average
10.17%	5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Credit Union Of New Jersey had $2,220,115 in non-current loans and $711,508 in owned assets. To cover these potential losses it had $23,450,084 in net worth and $5,373,818 in loans loss reserves. That gives it a Texas Ratio of 10.17%.

Net Worth

Credit Union Of New Jersey	U.S. Average
6.77%	13.65%

Credit Union Of New Jersey FCU has a net worth of 6.77% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Credit Union Of New Jersey

Branches and Savings

What is Credit Union Of New Jersey?

A federal credit union, registered with the NCUA under certificate #65597.
Learn more about credit unions here.

CREDIT UNION OF NEW JERSEY

2019 Overview

General Credit Union Information

Field of Membership Restrictions

Deposit Rates - December 6, 2019

Loan Rates - December 6, 2019

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Branches

Credit Union Of New Jersey Locations

Financial Details

Credit Union Of New Jersey Ratio Analysis

Texas Ratio

Net Worth

Frequently Asked Questions About Credit Union Of New Jersey

Branches and Savings

What is Credit Union Of New Jersey?

Is Credit Union Of New Jersey FDIC insured?

Who can join Credit Union Of New Jersey?

What are Credit Union Of New Jersey's share account and share certificate rates?

How big is Credit Union Of New Jersey?

Who owns Credit Union Of New Jersey?

Where are Credit Union Of New Jersey branches located?

Are Credit Union Of New Jersey ATMs Open 24/7?

Do Credit Union Of New Jersey ATMs accept cash deposits?

Can Credit Union Of New Jersey customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Credit Union Of New Jersey have a mobile app?

Does Credit Union Of New Jersey have mobile deposit?

Does Credit Union Of New Jersey have quick pay?

How can Credit Union Of New Jersey transfer money to other banks or credit unions?

Does Credit Union Of New Jersey report to credit bureaus?

Does Credit Union Of New Jersey use Chexsystems?

Does Credit Union Of New Jersey use Equifax?

What is Credit Union Of New Jersey's toll free phone number?

What is Credit Union Of New Jersey's ACH Routing Number?

What is Credit Union Of New Jersey's SWIFT code?

Where can I find Credit Union Of New Jersey's wire transfer form?

What is the Credit Union Of New Jersey address for deposits?

What Products Does Credit Union Of New Jersey Offer

Does Credit Union Of New Jersey offer mortgages?

Does Credit Union Of New Jersey offer home equity lines of credit and home equity loans?

Does Credit Union Of New Jersey offer auto and RV loans?

Does Credit Union Of New Jersey offer student loans or personal loans?

Customer Reviews for Credit Union Of New Jersey