North Jersey


711 Union Blvd.
Totowa, NJ 07512
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 0.65% →
1-Year CD 0.25% 0.70% →
2-Year CD 0.35% 0.75% →
5-Year CD 0.55% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

North Jersey is an NCUA insured institution located in Totowa, NJ. It was founded in 1936 and has approximately $259.11 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 / Federally Chartered
Charter Number # # 1015
Date Established 1936
Assets $259.11 million
Loans $131.59 million
Deposits $238.99 million
Capital $20.98 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 - August 1, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.01% $2,500 $4,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.25% $10,000 $14,999 Learn More
18 Mo CD
0.25% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.35% $100,000 $199,999 Learn More
30 Mo CD
0.35% $10,000 $14,999 Learn More
30 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.45% $10,000 $14,999 Learn More
36 Mo CD
0.45% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.55% $10,000 $14,999 Learn More
60 Mo CD
0.55% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.10% $1 $499 Learn MoreShow Less

Loan Rates - August 1, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.349% 3.250% 0.75 $3,125 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.465% 3.375% 0.63 $2,812 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$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
3.85% 4.38

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 March 31, 2021, North Jersey had $755,028 in non-current loans and $136,372 in owned assets. To cover these potential losses it had $20,976,389 in net worth and $2,197,866 in loans loss reserves. That gives it a Texas Ratio of 3.85%.

Net Worth
North Jersey U.S. Average
8.09% 12.20%

North Jersey FCU has a net worth of 8.09% versus the BestCashCow average of 12.20. 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. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. North Jersey is insured by the NCUA.

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 $20.98 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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