NORTH JERSEY

711 UNION BLVD.
Totowa, NJ 07512

Notable Rates APY Vs.Others
Savings 0.01% 2.30% →
1-Year CD 1.51% 2.25% →
2-Year CD 1.61% 2.50% →
5-Year CD 1.87% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

North Jersey is an NCUA insured institution located in Totowa, NJ. It was founded in 1936 and has approximately $220.77 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.

NCUA Insured Yes
Charter Number # # 1015
Date Established 1936
Assets $220.77 million
Loans $116.02 million
Deposits $198.85 million
Capital $21.40 million
 

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 - December 10, 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 Rates APY MIN MAX
Fixed IRA
0.45% $1,000 - 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
12 Mo CD
1.51% $500 - Learn MoreShow Less
18 Mo CD
1.56% $500 - Learn MoreShow Less
24 Mo CD
1.61% $500 - Learn MoreShow Less
30 Mo CD
1.63% $500 - Learn MoreShow Less
36 Mo CD
1.66% $500 - Learn MoreShow Less
48 Mo CD
1.77% $500 - Learn MoreShow Less
60 Mo CD
1.87% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $500 - Learn MoreShow Less

Loan Rates - December 10, 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
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($362) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

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



Branches

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:
Ashburn,Virginia


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
8.52% 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, North Jersey had $1,063,745 in non-current loans and $1,022,903 in owned assets. To cover these potential losses it had $21,399,589 in net worth and $3,098,732 in loans loss reserves. That gives it a Texas Ratio of 8.52%.

Net Worth
North Jersey U.S. Average
9.69% 13.65%

North Jersey FCU has a net worth of 9.69% 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 North Jersey

Branches and Savings

What is North Jersey?

A federal credit union, registered with the NCUA under certificate #1015.
Learn more about credit unions here.

Is North Jersey FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join North Jersey?

Please see Field of Membership information above for information on who is eligible to join.

What are North Jersey's share account and share certificate rates?

North Jersey's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is North Jersey?

North Jersey has total capital of $21.40 million. Full information on North Jersey's financial position is located above.

Who owns North Jersey?

Credit Unions are owned by their members.

Where are North Jersey branches located?

See branch locations nearby.

Are North Jersey ATMs Open 24/7?

Do North Jersey ATMs accept cash deposits?

Can North Jersey customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does North Jersey have a mobile app?

Does North Jersey have mobile deposit?

Does North Jersey have quick pay?

How can North Jersey transfer money to other banks or credit unions?

Does North Jersey report to credit bureaus?

Does North Jersey use Chexsystems?

Does North Jersey use Equifax?

What is North Jersey's toll free phone number?

What is North Jersey's ACH Routing Number?

What is North Jersey's SWIFT code?

Where can I find North Jersey's wire transfer form?

What is the North Jersey address for deposits?

What Products Does North Jersey Offer

Does North Jersey offer mortgages?

Compare mortgage rates here.

Does North Jersey offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does North Jersey offer auto and RV loans?

Compare auto loan rates here.

Does North Jersey offer student loans or personal loans?

Compare personal loan rates here.

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