Totowa, NJ 07512


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 1015
Date Established 1936
Assets $217.23 million
Loans $118.85 million
Deposits $196.77 million
Capital $21.14 million

North Jersey is an NCUA insured institution located in Totowa, NJ. It was founded in 1936 and has approximately $217.23 millions in assets.

Who can join?

You are eligible for membership if you live, work, worship, attend school or regularly conduct business in Passaic or Bergen Counties or the undeserved areas of Essex or Union Counties or the City of Newark.

Field of Membership Restrictions

Membership is open to those who work, live, worship, attend school or regularly conduct business in Bergen, Essex, Hudson, Middlesex, Morris, Passaic or Union Counties in the state of New Jersey.

Deposit Rates - April 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 - Learn MoreShow Less
Premium Money Market Account
0.15% $25,000 - Learn MoreShow Less
Fixed IRA
0.45% $1,000 - Learn MoreShow Less
Special: 12 Mo FIRA
2.02% $1 - Learn MoreShow Less
Special: 24 Mo FIRA
2.43% $5,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.35% $1,000 - Learn MoreShow Less
6 Mo CD
0.60% $1,000 - Learn MoreShow Less
Special: 12 Mo CD
2.02% $1 - Learn MoreShow Less
12 Mo CD
2.02% $500 - Learn MoreShow Less
18 Mo CD
1.35% $500 - Learn MoreShow Less
24 Mo CD
2.43% $500 - Learn MoreShow Less
Special: 24 Mo CD
2.43% $5,000 - Learn MoreShow Less
30 Mo CD
2.43% $500 - Learn MoreShow Less
36 Mo CD
2.48% $500 - Learn MoreShow Less
48 Mo CD
2.53% $500 - Learn MoreShow Less
60 Mo CD
2.58% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $500 - Learn MoreShow Less

Loan Rates - April 18, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for NORTH JERSEY

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
4.150% 4.125% 0.25 $758 $1,212 Learn More
PenFed Credit Union
NMLS ID: 401822
4.375% 4.250% 0.50 $3,750 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are North 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:

North Jersey Locations

Financial Details

North Jersey Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of North 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
North Jersey U.S. Average
14.34% 7.49

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, 2018, North Jersey had $2,347,965 in non-current loans and $1,096,701 in owned assets. To cover these potential losses it had $21,136,833 in net worth and $2,890,344 in loans loss reserves. That gives it a Texas Ratio of 14.34%.

Net Worth
North Jersey U.S. Average
9.73% 13.61%

North Jersey FCU has a net worth of 9.73% versus the BestCashCow average of 13.61. 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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