North Jersey Federal Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.01% 5.50% →
1-Year CD 0.25% 4.80% →
2-Year CD 0.35% 4.25% →
5-Year CD 0.55% 4.05% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

North Jersey is an NCUA insured institution located in Totowa, NJ. It was founded in 1936 and has approximately $235.8 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 $235.80 million
Loans $149.50 million
Deposits $220.57 million
Capital $24.93 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, 2024

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
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
Var IRA
0.10% $1 $499 Learn MoreShow Less

Loan Rates - December 10, 2024

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
District Lending
NMLS ID: 1835285
6.116% 6.000% 0.75 $4,000 $1,919 Learn More
Sammamish Mortgage Company
NMLS ID: 118653
License#: CL-118653
6.340% 6.250% 1.00 $3,034 $1,971 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.580% 6.490% 0.75 $3,020 $2,021 Learn More
PenFed Credit Union
NMLS ID: 401822
6.782% 6.625% 1.00 $5,195 $2,049 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Rate
Rate
See Table
Intro APR
9.600 %
After Intro: 9.600 %
$25,000 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:
Seattle,Washington


North Jersey Locations around zip code 98109


BranchDistance Map View Lobby Hours

Totowa Branch

2592.32 A View Lobby Hours

Paterson Branch

2594.97 B View Lobby Hours

UMDNJ Branch

2596.30 C View Lobby Hours


Climate Policy and Initiatives

NORTH JERSEY 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

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
2.20% 5.83

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, 2024, North Jersey had $490,364 in non-current loans and $91,200 in owned assets. To cover these potential losses it had $24,929,779 in net worth and $1,508,823 in loans loss reserves. That gives it a Texas Ratio of 2.20%.

Net Worth
North Jersey U.S. Average
10.53% 13.93%

North Jersey FCU has a net worth of 10.53% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for North Jersey

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