Nj Gateway Federal Credit Union

Headquarters

P. O. Box 420
Dayton, NJ 08810
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Notable Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 4.59% →
2-Year CD N.A. 4.47% →
5-Year CD N.A. 4.50% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

Nj Gateway is an NCUA insured institution located in Dayton, NJ. It was founded in 1969 and has approximately $28.02 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 19454
Date Established 1969
Assets $28.02 million
Loans $3.85 million
Deposits $25.16 million
Capital $2.72 million
 

Field of Membership Restrictions

Membership is open to those who live, worship, attend school or work in Middlesex County and employees of the credit union's select employer groups.

Deposit Rates - September 30, 2026

Your Current Location: New Jersey, NJ

We do not yet have rates for Nj Gateway

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Loan Rates - September 30, 2026

Your Current Location: New Jersey, NJ

There are currently no loan rates available for Nj Gateway

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



Featured - New Jersey 30 Year Fixed Mortgage Rates 2026

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Featured - New Jersey Home Equity Line Of Credit Rates 2026

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Branches

Below are Nj Gateway 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:
Kearny,New Jersey


Nj Gateway Locations


BranchDistance Map View Lobby Hours

Main Branch

33.78 A View Lobby Hours


Climate Policy and Initiatives

NJ GATEWAY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Nj Gateway Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Nj Gateway. 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
Nj Gateway U.S. Average
0.38% 6.78

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 December 31, 2025, Nj Gateway had $10,408 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,718,432 in net worth and $23,535 in loans loss reserves. That gives it a Texas Ratio of 0.38%.

Net Worth
Nj Gateway U.S. Average
9.7% 14.48%

Nj Gateway FCU has a net worth of 9.7% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



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