Best Credit Union Savings and Money Market Rates in New Jersey, NJ August 19, 2025

You are viewing savings rates from credit unions across New Jersey

or View rates from local credit unions

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

NJ - August 19, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
GARDEN SAVINGS Dover Branch Restrictions	4.07% 1.00% 0.30%	$0 $15,001 $1,000	Learn More Add Review
QUORUM Restrictions	3.75%	$0	Learn More
Rate History: 4.17% → 4.00% → 3.93% → 4.00% → 3.75%
Sharon \| Sep 20, 2023 Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More Reviews (2)
USALLIANCE Usalliance Branch Restrictions	3.75%	$500	Learn More Add Review
Rate History: 4.65% → 4.55% → 3.75%
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Branch Restrictions	3.25% 1.25% 1.15% 1.10%	$1 $50,000 $20,000 $2,500	Learn More Add Review
AMERICAN HERITAGE Restrictions	3.25% 0.11%	$10,000 $100	Learn More
Rate History: 3.70% → 3.35% → 3.25%
Jobe0822@gmail.com \| Dec 22, 2020 Where is the 4.00/% rate? It doesn’t seem to exist? Read More Reviews (2)
ALLIANT Ewrcu Branch Restrictions	3.10%	$100	Learn More
Gaius Gracchus \| Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More Reviews (5)
FINANCIAL RESOURCES Financial Resources Branch Restrictions	3.03% 2.78% 2.27% 1.51% 1.00%	$500,000 $250,000 $100,000 $10,000 $0	Learn More Add Review
POLICE & FIRE Washington Township Branch Restrictions	3.00% 1.00%	$2,500 $0	Learn More
Rate History: 3.25% → 3.00%
John \| Oct 9, 2023 Member for 50 years and have aeen it grow and develop with changing times and technology quickly and smoothly. Has helped me and my family, tremendously, through any and all crisis... don't know how Id ha ... Read More Reviews (1)
PENTAGON Pentagon Branch Restrictions	2.90%	$5	Learn More
Last change: ↓ 0.10% on February 10.
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
AMERICAN HERITAGE Restrictions	2.90% 2.70% 2.55% 2.31%	$75,000 $50,000 $25,000 $2,000	Learn More
Jobe0822@gmail.com \| Dec 22, 2020 Where is the 4.00/% rate? It doesn’t seem to exist? Read More Reviews (2)
RIDGEDALE Novartis Branch Restrictions	2.78% 2.02% 1.26% 0.75%	$150,000 $50,000 $5,000 $500	Learn More Add Review
Rate History: 2.27% → 3.04% → 2.78%
GREENSTATE Restrictions	2.45% 2.25% 2.05% 1.85% 1.65% 1.45%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $2,500	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	2.25% 2.05% 1.85% 1.65% 1.50% 1.10% 1.06% 0.95%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
VISIONS Saddle Brook Branch Restrictions	2.25% 1.90% 1.65% 1.40% 1.15%	$1,000,000 $500,000 $250,000 $100,000 $0	Learn More Add Review
Rate History: 2.00% → 2.25%
AMERICAN AIRLINES Aafcu - Ewr Branch Restrictions	2.02%	$5	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
QUORUM Restrictions	1.70% 1.44% 1.20% 0.70% 0.45%	$250,000 $100,000 $25,000 $10,000 $0	Learn More
Rate History: 1.69% → 1.70%
Sharon \| Sep 20, 2023 Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More Reviews (2)
GREENSTATE Restrictions	1.25% 0.05%	$100 $101	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
XCEL Xcel Branch Restrictions	0.90% 0.75% 0.65% 0.50%	$25,000 $10,000 $2,500 $1,000	Learn More Add Review
Rate History: 1.16% → 0.90%
UNIFY FINANCIAL Restrictions	0.75% 0.70% 0.65% 0.60%	$100,000 $50,000 $10,000 $2,500	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
AFFINITY Affinity Branch Restrictions	0.75%	$0	Learn More Add Review
Rate History: 4.00% → 1.00% → 0.75%
SHARONVIEW Bridgewater Branch Restrictions	0.75%	$10,000	Learn More
Problems \| Jan 13, 2019 Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More Reviews (1)
GARDEN SAVINGS Dover Branch Restrictions	0.65% 0.55% 0.50%	$30,000 $15,000 $1,000	Learn More Add Review
USALLIANCE Usalliance Branch Restrictions	0.60% 0.50% 0.40% 0.25% 0.15% 0.10% 0.07%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $10,000 $2,000	Learn More Add Review
SELFRELIANCE Newark Branch Restrictions	0.50%	$25,000	Learn More Add Review
SHARONVIEW Bridgewater Branch Restrictions	0.50%	$2,500	Learn More
Problems \| Jan 13, 2019 Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More Reviews (1)
JERSEY CENTRAL Jersey Central Branch Restrictions	0.50% 0.40% 0.25% 0.10%	$25,000 $10,000 $2,500 $100	Learn More Add Review
ABCO Rancocas Village Branch Restrictions	0.50%	$25,000	Learn More Add Review
THE ATLANTIC The Atlantic Branch Restrictions	0.45%	$25,000	Learn More Add Review
PROPONENT Proponent Branch Restrictions	0.40%	$25,000	Learn More Add Review
RIDGEDALE Novartis Branch Restrictions	0.40%	$100	Learn More Add Review
Rate History: 0.03% → 0.05% → 0.50% → 0.40%
UKRAINIAN SELFRELIANCE Ukrainian Selfrelian Branch Restrictions	0.40%	$10,000	Learn More Add Review
N. J. LATVIAN N. J. Latvian Branch	0.40%	$2,500	Learn More Add Review
JERSEY SHORE Jersey Shore Branch Restrictions	0.40%	$25,000	Learn More Add Review
VISIONS Saddle Brook Branch Restrictions	0.35% 0.20%	$50,000 $0	Learn More Add Review
Rate History: 0.85% → 0.35%
UNILEVER Unilever Branch Restrictions	0.30%	$10,000	Learn More Add Review
PROPONENT Proponent Branch Restrictions	0.30%	$10,000	Learn More Add Review
UNION BUILDING TRADES Jersey Trades Branch Restrictions	0.30%	$25,000	Learn More Add Review
PRINCETON Princeton Branch Restrictions	0.30%	$10,000	Learn More Add Review
B-M S B-m S Branch Restrictions	0.30%	$25,000	Learn More Add Review
TOGETHER Anheuser-busch Emplo Branch Restrictions	0.30%	$25,000	Learn More Add Review
STAR USA Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
XCEED FINANCIAL Xceed Financial Branch Restrictions	0.25%	$10,000	Learn More Add Review
THE ATLANTIC The Atlantic Branch Restrictions	0.25%	$2,500	Learn More Add Review
COUNTY EDUCATORS County Educators Branch Restrictions	0.25%	$25,000	Learn More Add Review
B-M S B-m S Branch Restrictions	0.25%	$2,500	Learn More Add Review
RUTGERS Rutgers Branch Restrictions	0.25%	$25,000	Learn More Add Review
RARITAN BAY Raritan Bay Branch Restrictions	0.25%	$10,000	Learn More Add Review
JERSEY SHORE Jersey Shore Branch Restrictions	0.25%	$2,500	Learn More Add Review
TOGETHER Anheuser-busch Emplo Branch Restrictions	0.25%	$2,500	Learn More Add Review
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	0.25%	$5	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
EDU Restrictions	0.20%	$0	Learn More Add Review
UNILEVER Unilever Branch Restrictions	0.20%	$2,500	Learn More Add Review
PARTNERS 1ST Partners 1st Branch Restrictions	0.20%	$10,000	Learn More Add Review
UNION BUILDING TRADES Jersey Trades Branch Restrictions	0.20%	$2,500	Learn More Add Review
PARDA Parda Branch Restrictions	0.20%	$25,000	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
XCEED FINANCIAL Xceed Financial Branch Restrictions	0.20%	$2,500	Learn More Add Review
SEAPORT North Jersey Cu Branch	0.20%	$2,500	Learn More Add Review
COUNTY EDUCATORS County Educators Branch Restrictions	0.20%	$2,500	Learn More Add Review
PRINCETON Princeton Branch Restrictions	0.20%	$2,500	Learn More Add Review
ALTRA Altra Branch Restrictions	0.20%	$25,000	Learn More Add Review
UKRAINIAN SELFRELIANCE Ukrainian Selfrelian Branch Restrictions	0.20%	$2,500	Learn More Add Review
RARITAN BAY Raritan Bay Branch Restrictions	0.20%	$2,500	Learn More Add Review
GARDEN STATE Garden State Branch Restrictions	0.20%	$25,000	Learn More Add Review
FORT BILLINGS Fort Billings Branch Restrictions	0.20%	$25,000	Learn More Add Review
BAY ATLANTIC Elmer Branch Restrictions	0.20%	$25,000	Learn More Add Review
UKRAINIAN NATIONAL Perth Amboy Branch Restrictions	0.20% 0.01%	$2,500 $50	Learn More Add Review
SEAPORT North Jersey Cu Branch	0.18%	$25,000	Learn More Add Review
SEAPORT North Jersey Cu Branch	0.16%	$2,500	Learn More Add Review
STAR USA Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
NORTH JERSEY North Jersey Branch Restrictions	0.15%	$25,000	Learn More Add Review
PICATINNY Picatinny Branch Restrictions	0.15%	$2,500	Learn More Add Review
PARDA Parda Branch Restrictions	0.15%	$10,000	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
SELFRELIANCE Newark Branch Restrictions	0.15%	$2,500	Learn More Add Review
ADVANCED FINANCIAL Advanced Financial Branch Restrictions	0.15%	$2,500	Learn More
sofiacafeteria035@gamil.com \| Aug 21, 2023 Don’t trust them they are a fake company, with fake promises, and they will convince you to invest your hard-earned money with them, don’t be fooled by all these scam investment brokers and account man... Read More Reviews (1)
UNITED POLES United Poles Branch	0.15%	$25,000	Learn More Add Review
CREDIT UNION OF NEW JERSEY Credit Union Of New Branch Restrictions	0.15%	$10,000	Learn More Add Review
SOUTHERN MIDDLESEX CO TCHRS Southern Middlesex C Branch Restrictions	0.15%	$25,000	Learn More Add Review
PINNACLE Pinnacle Branch Restrictions	0.15%	$25,000	Learn More Add Review
RUTGERS Rutgers Branch Restrictions	0.15%	$2,500	Learn More Add Review
CAMPBELL Campbell Employees Federal Cu Branch Restrictions	0.15%	$2,500	Learn More Add Review
LAKEHURST NAVAL Lakehurst Naval Branch Restrictions	0.15%	$2,500	Learn More Add Review
FORT BILLINGS Fort Billings Branch Restrictions	0.15%	$2,500	Learn More Add Review
DEEPWATER INDUSTRIES Deepwater Industries Branch Restrictions	0.15%	$2,500	Learn More Add Review
BAY ATLANTIC Elmer Branch Restrictions	0.15%	$2,500	Learn More Add Review
PENTAGON Pentagon Branch Restrictions	0.15% 0.05%	$100,000 $0	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
MEMBER'S 1ST OF NJ Member's 1st Of Nj Branch Restrictions	0.14%	$25,000	Learn More Add Review
FIRST ATLANTIC First Atlantic Branch Restrictions	0.10%	$10,000	Learn More Add Review
STAR USA Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
UNIFY FINANCIAL Restrictions	0.10%	$5	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
FAIRLEIGH DICKINSON UNIVERSITY Fairleigh Dickinson Branch	0.10%	$2,500	Learn More Add Review
PARTNERS 1ST Partners 1st Branch Restrictions	0.10%	$2,500	Learn More Add Review
BAKER Baker Branch	0.10%	$10,000	Learn More Add Review
PROPONENT Proponent Branch Restrictions	0.10%	$2,500	Learn More Add Review
UNION BUILDING TRADES Jersey Trades Branch Restrictions	0.10%	$2,500	Learn More Add Review
PICATINNY Picatinny Branch Restrictions	0.10%	$2,500	Learn More Add Review
UNITED TELETECH FINANCIAL United Teletech Fina Branch Restrictions	0.10%	$2,500	Learn More Add Review
PARDA Parda Branch Restrictions	0.10%	$2,500	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
SELFRELIANCE Newark Branch Restrictions	0.10%	$2,500	Learn More Add Review
THE ATLANTIC The Atlantic Branch Restrictions	0.10%	$2,500	Learn More Add Review
MOTION E 53 Branch Restrictions	0.10%	$2,500	Learn More Add Review
COMMUNITY FINANCIAL SERVICES Community Financial Branch	0.10%	$2,500	Learn More Add Review
COUNTY EDUCATORS County Educators Branch Restrictions	0.10%	$2,500	Learn More Add Review
UNITED POLES United Poles Branch	0.10%	$2,500	Learn More Add Review
MANVILLE AREA Manville Area Branch	0.10%	$2,500	Learn More Add Review
FIRST POINT Acco Princeton Branch	0.10%	$2,500	Learn More Add Review
HAMILTON HORIZONS Hamilton Horizons Branch	0.10%	$10,000	Learn More Add Review
MERCER COUNTY NJ TEACHERS Mercer County Nj Tea Branch Restrictions	0.10%	$25,000	Learn More Add Review
CREDIT UNION OF NEW JERSEY Credit Union Of New Branch Restrictions	0.10%	$2,500	Learn More Add Review
ALTRA Altra Branch Restrictions	0.10%	$2,500	Learn More Add Review
SOUTHERN MIDDLESEX CO TCHRS Southern Middlesex C Branch Restrictions	0.10%	$2,500	Learn More Add Review
SOUTH JERSEY South Jersey Branch Restrictions	0.10%	$2,500	Learn More Add Review
GARDEN STATE Garden State Branch Restrictions	0.10%	$10,000	Learn More Add Review
JERSEY SHORE Jersey Shore Branch Restrictions	0.10%	$2,500	Learn More Add Review
MEMBER'S 1ST OF NJ Member's 1st Of Nj Branch Restrictions	0.10%	$10,000	Learn More Add Review
BAY ATLANTIC Elmer Branch Restrictions	0.10%	$2,500	Learn More Add Review
THUNDERBOLT AREA Thunderbolt Area Branch	0.10%	$2,500	Learn More Add Review
TOGETHER Anheuser-busch Emplo Branch Restrictions	0.10%	$2,500	Learn More Add Review
XCEL Xcel Branch Restrictions	0.10%	$50	Learn More Add Review
PENTAGON Pentagon Branch Restrictions	0.10%	$10,000	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
FORT DIX Fort Dix Branch	0.08%	$2,500	Learn More Add Review
PINNACLE Pinnacle Branch Restrictions	0.07%	$10,000	Learn More Add Review
FIRST ATLANTIC First Atlantic Branch Restrictions	0.05%	$2,500	Learn More Add Review
STAR USA Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Branch Restrictions	0.05%	$5	Learn More Add Review
FAIRLEIGH DICKINSON UNIVERSITY Fairleigh Dickinson Branch	0.05%	$2,500	Learn More Add Review
BAKER Baker Branch	0.05%	$2,500	Learn More Add Review
IRCO COMMUNITY Irco Community Branch Restrictions	0.05%	$2,500	Learn More Add Review
UNITED TELETECH FINANCIAL United Teletech Fina Branch Restrictions	0.05%	$2,500	Learn More Add Review
PARDA Parda Branch Restrictions	0.05%	$2,500	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
XCEED FINANCIAL Xceed Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
ADVANCED FINANCIAL Advanced Financial Branch Restrictions	0.05%	$2,500	Learn More
sofiacafeteria035@gamil.com \| Aug 21, 2023 Don’t trust them they are a fake company, with fake promises, and they will convince you to invest your hard-earned money with them, don’t be fooled by all these scam investment brokers and account man... Read More Reviews (1)
L'OREAL USA L'oreal Usa Branch Restrictions	0.05%	$2,500	Learn More Add Review
ASPIRE Aspire Branch Restrictions	0.05%	$2,500	Learn More Add Review
UNITED POLES United Poles Branch	0.05%	$2,500	Learn More Add Review
HMC (NJ) Hmc (nj) Branch	0.05%	$2,500	Learn More Add Review
SHARONVIEW Bridgewater Branch Restrictions	0.05%	$2,500	Learn More
Problems \| Jan 13, 2019 Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More Reviews (1)
MERCER COUNTY NJ TEACHERS Mercer County Nj Tea Branch Restrictions	0.05%	$10,000	Learn More Add Review
CREDIT UNION OF NEW JERSEY Credit Union Of New Branch Restrictions	0.05%	$2,500	Learn More Add Review
PRINCETON Princeton Branch Restrictions	0.05%	$2,500	Learn More Add Review
B-M S B-m S Branch Restrictions	0.05%	$2,500	Learn More Add Review
ALTRA Altra Branch Restrictions	0.05%	$2,500	Learn More Add Review
SOUTHERN MIDDLESEX CO TCHRS Southern Middlesex C Branch Restrictions	0.05%	$2,500	Learn More Add Review
PINNACLE Pinnacle Branch Restrictions	0.05%	$2,500	Learn More Add Review
RUTGERS Rutgers Branch Restrictions	0.05%	$2,500	Learn More Add Review
RARITAN BAY Raritan Bay Branch Restrictions	0.05%	$2,500	Learn More Add Review
ENERGY PEOPLE Energy People Branch Restrictions	0.05%	$2,500	Learn More Add Review
GARDEN STATE Garden State Branch Restrictions	0.05%	$2,500	Learn More Add Review
ABCO Rancocas Village Branch Restrictions	0.05%	$2,500	Learn More Add Review
RESEARCH 1166 Research 1166 Branch	0.05%	$2,500	Learn More Add Review
FORT BILLINGS Fort Billings Branch Restrictions	0.05%	$2,500	Learn More Add Review
MEMBER'S 1ST OF NJ Member's 1st Of Nj Branch Restrictions	0.05%	$2,500	Learn More Add Review
WAKEFERN Wakefern Branch	0.04%	$2,500	Learn More Add Review
PARTNERS 1ST Partners 1st Branch Restrictions	0.03%	$2,500	Learn More Add Review
MERCER COUNTY NJ TEACHERS Mercer County Nj Tea Branch Restrictions	0.03%	$2,500	Learn More Add Review
FIRST FINANCIAL First Financial Branch Restrictions	0.03%	$2,500	Learn More Add Review
MEMBER'S 1ST OF NJ Member's 1st Of Nj Branch Restrictions	0.03%	$2,500	Learn More Add Review
GREATER ALLIANCE Greater Alliance Branch Restrictions	0.02%	$2,500	Learn More Add Review
HAMILTON HORIZONS Hamilton Horizons Branch	0.02%	$2,500	Learn More Add Review
DEEPWATER INDUSTRIES Deepwater Industries Branch Restrictions	0.02%	$2,500	Learn More Add Review
EDU Restrictions	0.01%	$1	Learn More Add Review
POLISH & SLAVIC Polish & Slavic Branch Restrictions	0.01%	$2,500	Learn More Add Review
NORTH JERSEY North Jersey Branch Restrictions	0.01%	$2,500	Learn More Add Review
MOTION E 53 Branch Restrictions	0.01%	$2,500	Learn More Add Review
ASPIRE Aspire Branch Restrictions	0.01%	$2,500	Learn More Add Review
RIEGEL Riegel Branch Restrictions	0.01%	$2,500	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Local Banks →

Branches Info across New Jersey

Branch	Street	City	State
GARDEN SAVINGS Dover Branch Dover Branch	23 Prospect St	Dover	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	2200 Burlington-Mt Holly Rd	Burlington	NJ
ALLIANT Ewrcu Ewrcu Branch	10 Toler Pl	Newark	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	520 Route 22 East, 1st Floor	Bridgewater	NJ
POLICE & FIRE Washington Township Washington Township Branch	5901 Route 42	Turnersville	NJ
PENTAGON Pentagon Pentagon Branch	Union Dempsey Hall, 1 Munro Ave	Cape May	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	520 Route 22 East, 1st Floor	Bridgewater	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	520 Route 22 East, 1st Floor	Bridgewater	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1445 Brace Road, Suite F	Cherry Hill	NJ
VISIONS Saddle Brook Saddle Brook Branch	250 Pehle Ave	Saddle Brook	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1445 Brace Road, Suite F	Cherry Hill	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
AMERICAN AIRLINES Aafcu - Ewr Aafcu - Ewr Branch	34 Terminal A Arrivals Door 7	Newark	NJ
VISIONS Saddle Brook Saddle Brook Branch	250 Pehle Ave	Saddle Brook	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1445 Brace Road, Suite F	Cherry Hill	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1445 Brace Road, Suite F	Cherry Hill	NJ
VISIONS Saddle Brook Saddle Brook Branch	250 Pehle Ave	Saddle Brook	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	520 Route 22 East, 1st Floor	Bridgewater	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1445 Brace Road, Suite F	Cherry Hill	NJ
VISIONS Saddle Brook Saddle Brook Branch	250 Pehle Ave	Saddle Brook	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	2200 Burlington-Mt Holly Rd	Burlington	NJ
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	2200 Burlington-Mt Holly Rd	Burlington	NJ
VISIONS Saddle Brook Saddle Brook Branch	250 Pehle Ave	Saddle Brook	NJ
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	2200 Burlington-Mt Holly Rd	Burlington	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1445 Brace Road, Suite F	Cherry Hill	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1445 Brace Road, Suite F	Cherry Hill	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	520 Route 22 East, 1st Floor	Bridgewater	NJ
GARDEN SAVINGS Dover Branch Dover Branch	23 Prospect St	Dover	NJ
POLICE & FIRE Washington Township Washington Township Branch	5901 Route 42	Turnersville	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1445 Brace Road, Suite F	Cherry Hill	NJ
XCEL Xcel Xcel Branch	One Harmon Meadow Blvd., Suite 200	Secaucus	NJ
AFFINITY Affinity Affinity Branch	73 Mountainview Blvd.	Basking Ridge	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
SHARONVIEW Bridgewater Bridgewater Branch	550 Hills Dr Ste 115B	Bedminster	NJ
XCEL Xcel Xcel Branch	One Harmon Meadow Blvd., Suite 200	Secaucus	NJ
GARDEN SAVINGS Dover Branch Dover Branch	23 Prospect St	Dover	NJ
XCEL Xcel Xcel Branch	One Harmon Meadow Blvd., Suite 200	Secaucus	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
GARDEN SAVINGS Dover Branch Dover Branch	23 Prospect St	Dover	NJ
GARDEN SAVINGS Dover Branch Dover Branch	23 Prospect St	Dover	NJ
SELFRELIANCE Newark Branch Newark Branch	734 Sanford Ave	Newark	NJ
SHARONVIEW Bridgewater Bridgewater Branch	550 Hills Dr Ste 115B	Bedminster	NJ
JERSEY CENTRAL Jersey Central Jersey Central Branch	23 NORTH AVE EAST	CRANFORD	NJ
EDIFI Rancocas Village Rancocas Village Branch	215 Main St	Rancocas	NJ
XCEL Xcel Xcel Branch	One Harmon Meadow Blvd., Suite 200	Secaucus	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
THE ATLANTIC The Atlantic The Atlantic Branch	37 Market Street	Kenilworth	NJ
PROPONENT Proponent Proponent Branch	536 Washington Ave	Nutley	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
JERSEY CENTRAL Jersey Central Jersey Central Branch	23 NORTH AVE EAST	CRANFORD	NJ
UKRAINIAN SELFRELIANCE Ukrainian Selfrelian Ukrainian Selfrelian Branch	477 Jeremiah Ave	Trenton	NJ
N. J. LATVIAN N. J. Latvian N. J. Latvian Branch	12 Gates Ave.	East Brunswick	NJ
JERSEY SHORE Jersey Shore Jersey Shore Branch	1434 New Road	Northfield	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
VISIONS Saddle Brook Saddle Brook Branch	250 Pehle Ave	Saddle Brook	NJ
UNILEVER Unilever Unilever Branch	800 Sylvan Ave	Englewood Cliff	NJ
PROPONENT Proponent Proponent Branch	536 Washington Ave	Nutley	NJ
GARDEN SAVINGS Dover Branch Dover Branch	23 Prospect St	Dover	NJ
UNION BUILDING TRADES Jersey Trades Jersey Trades Branch	205 Cherry Hill Road	Parsippany	NJ
PRINCETON Princeton Princeton Branch	104 Carnegie Center, Suite 103	Princeton	NJ
B-M S B-m S B-m S Branch	1 Squibb Drive	New Brunswick	NJ
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	200 US Highway 1 and 9	Newark	NJ
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	22 Sylvan Way	Parsippany	NJ
THE ATLANTIC The Atlantic The Atlantic Branch	37 Market Street	Kenilworth	NJ
COUNTY EXCELLENCE County Educators County Educators Branch	16 East Lincoln Ave.	Roselle Park	NJ
B-M S B-m S B-m S Branch	1 Squibb Drive	New Brunswick	NJ
RUTGERS Rutgers Rutgers Branch	100 College Av.	New Brunswick	NJ
RARITAN BAY Raritan Bay Raritan Bay Branch	491 RARITAN STREET	SAYREVILLE	NJ
JERSEY CENTRAL Jersey Central Jersey Central Branch	23 NORTH AVE EAST	CRANFORD	NJ
JERSEY SHORE Jersey Shore Jersey Shore Branch	1434 New Road	Northfield	NJ
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	200 US Highway 1 and 9	Newark	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1445 Brace Road, Suite F	Cherry Hill	NJ
VISIONS Saddle Brook Saddle Brook Branch	250 Pehle Ave	Saddle Brook	NJ
UNILEVER Unilever Unilever Branch	800 Sylvan Ave	Englewood Cliff	NJ
PARTNERS 1ST Partners 1st Partners 1st Branch	c/o Edax, 85-91 McKee Drive	Mahwah	NJ
UNION BUILDING TRADES Jersey Trades Jersey Trades Branch	205 Cherry Hill Road	Parsippany	NJ
PARDA Parda Parda Branch	185 Tabor Road	Morris Plains	NJ
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	22 Sylvan Way	Parsippany	NJ
SEAPORT North Jersey Cu North Jersey Cu Branch	711 Union Blvd	Totowa	NJ
COUNTY EXCELLENCE County Educators County Educators Branch	16 East Lincoln Ave.	Roselle Park	NJ
PRINCETON Princeton Princeton Branch	104 Carnegie Center, Suite 103	Princeton	NJ
ALTRA Altra Altra Branch	2231 E State St	Trenton	NJ
UKRAINIAN SELFRELIANCE Ukrainian Selfrelian Ukrainian Selfrelian Branch	477 Jeremiah Ave	Trenton	NJ
RARITAN BAY Raritan Bay Raritan Bay Branch	491 RARITAN STREET	SAYREVILLE	NJ
GARDEN STATE Garden State Garden State Branch	144 ROUTE 38	MOORESTOWN	NJ
FORT BILLINGS Fort Billings Fort Billings Branch	962 Billingsport Road	Paulsboro	NJ
BAY ATLANTIC Elmer Elmer Branch	101 W Elmer Rd	Vineland	NJ
UKRAINIAN NATIONAL Perth Amboy Perth Amboy Branch	615 Amboy Ave	Perth Amboy	NJ
SEAPORT North Jersey Cu North Jersey Cu Branch	711 Union Blvd	Totowa	NJ
SEAPORT North Jersey Cu North Jersey Cu Branch	711 Union Blvd	Totowa	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
NORTH JERSEY North Jersey North Jersey Branch	711 Union Blvd.	Totowa	NJ
PICATINNY Picatinny Picatinny Branch	100 Mineral Springs Drive	Dover	NJ
PARDA Parda Parda Branch	185 Tabor Road	Morris Plains	NJ
SELFRELIANCE Newark Branch Newark Branch	734 Sanford Ave	Newark	NJ
ADVANCED FINANCIAL Advanced Financial Advanced Financial Branch	785 central ave	new providence	NJ
UNITED POLES United Poles United Poles Branch	412 NEW BRUNSWICK AVE	PERTH AMBOY	NJ
CREDIT UNION OF NEW JERSEY Credit Union Of New Credit Union Of New Branch	1301 Parkway Ave	Ewing	NJ
SOUTHERN MIDDLESEX CO TCHRS Southern Middlesex C Southern Middlesex C Branch	39 Brunswick Woods Drive	East Brunswick	NJ
PINNACLE Pinnacle Pinnacle Branch	135 Raritan Center Parkway	Edison	NJ
RUTGERS Rutgers Rutgers Branch	100 College Av.	New Brunswick	NJ
CAMPBELL Campbell Employees Federal Cu Campbell Employees Federal Cu Branch	1 MORTGAGE WAY PHH MORTGAGE CO	MOUNT LAUREL	NJ
LAKEHURST NAVAL Lakehurst Naval Lakehurst Naval Branch	60 Lansdowne Road	Lakehurst NAEC	NJ
FORT BILLINGS Fort Billings Fort Billings Branch	962 Billingsport Road	Paulsboro	NJ
DEEPWATER INDUSTRIES Deepwater Industries Deepwater Industries Branch	565 N. Broadway	Deepwater	NJ
BAY ATLANTIC Elmer Elmer Branch	101 W Elmer Rd	Vineland	NJ
PENTAGON Pentagon Pentagon Branch	Union Dempsey Hall, 1 Munro Ave	Cape May	NJ
MEMBERS 1ST OF NJ Member's 1st Of Nj Member's 1st Of Nj Branch	37 WEST LANDIS AVE	VINELAND	NJ
FIRST ATLANTIC First Atlantic First Atlantic Branch	468 INDUSTRIAL WAY WEST	EATONTOWN	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
FAIRLEIGH DICKINSON UNIVERSITY Fairleigh Dickinson Fairleigh Dickinson Branch	285 Madison Ave, Gatehouse	Madison	NJ
PARTNERS 1ST Partners 1st Partners 1st Branch	c/o Edax, 85-91 McKee Drive	Mahwah	NJ
BAKER Baker Baker Branch	501 Baltimore Street	Phillipsburg	NJ
PROPONENT Proponent Proponent Branch	536 Washington Ave	Nutley	NJ
UNION BUILDING TRADES Jersey Trades Jersey Trades Branch	205 Cherry Hill Road	Parsippany	NJ
PICATINNY Picatinny Picatinny Branch	100 Mineral Springs Drive	Dover	NJ
UNITED TELETECH FINANCIAL United Teletech Fina United Teletech Fina Branch	205, HANCE AVE	TINTON FALLS	NJ
PARDA Parda Parda Branch	185 Tabor Road	Morris Plains	NJ
SELFRELIANCE Newark Branch Newark Branch	734 Sanford Ave	Newark	NJ
THE ATLANTIC The Atlantic The Atlantic Branch	37 Market Street	Kenilworth	NJ
MOTION E 53 E 53 Branch	1380 Jersey Avenue	North Brunswick	NJ
COMMUNITY FINANCIAL SERVICES Community Financial Community Financial Branch	149 St. George Ave.	Roselle	NJ
COUNTY EXCELLENCE County Educators County Educators Branch	16 East Lincoln Ave.	Roselle Park	NJ
UNITED POLES United Poles United Poles Branch	412 NEW BRUNSWICK AVE	PERTH AMBOY	NJ
MANVILLE AREA Manville Area Manville Area Branch	43 south main st	manville	NJ
FIRST POINT Acco Princeton Acco Princeton Branch	2733 Nottingham Way, Ste 5	HAMILTON	NJ
HAMILTON HORIZONS Hamilton Horizons Hamilton Horizons Branch	3535 Quakerbridge Rd Suite 600	Hamilton	NJ
JERSEY CENTRAL Jersey Central Jersey Central Branch	23 NORTH AVE EAST	CRANFORD	NJ
MERCER COUNTY NJ TEACHERS Mercer County Nj Tea Mercer County Nj Tea Branch	Mercer County NJ Teachers' FCU, 227	Hamilton Square	NJ
CREDIT UNION OF NEW JERSEY Credit Union Of New Credit Union Of New Branch	1301 Parkway Ave	Ewing	NJ
ALTRA Altra Altra Branch	2231 E State St	Trenton	NJ
SOUTHERN MIDDLESEX CO TCHRS Southern Middlesex C Southern Middlesex C Branch	39 Brunswick Woods Drive	East Brunswick	NJ
FIRST HARVEST South Jersey South Jersey Branch	1615 Hurffville Road	Deptford	NJ
GARDEN STATE Garden State Garden State Branch	144 ROUTE 38	MOORESTOWN	NJ
JERSEY SHORE Jersey Shore Jersey Shore Branch	1434 New Road	Northfield	NJ
MEMBERS 1ST OF NJ Member's 1st Of Nj Member's 1st Of Nj Branch	37 WEST LANDIS AVE	VINELAND	NJ
BAY ATLANTIC Elmer Elmer Branch	101 W Elmer Rd	Vineland	NJ
THUNDERBOLT AREA Thunderbolt Area Thunderbolt Area Branch	1601 Cedar Street	Millville	NJ
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	200 US Highway 1 and 9	Newark	NJ
XCEL Xcel Xcel Branch	One Harmon Meadow Blvd., Suite 200	Secaucus	NJ
PENTAGON Pentagon Pentagon Branch	Union Dempsey Hall, 1 Munro Ave	Cape May	NJ
FORT DIX Fort Dix Fort Dix Branch	5416Delaware Ave	Fort Dix	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
PINNACLE Pinnacle Pinnacle Branch	135 Raritan Center Parkway	Edison	NJ
FIRST ATLANTIC First Atlantic First Atlantic Branch	468 INDUSTRIAL WAY WEST	EATONTOWN	NJ
PENTAGON Pentagon Pentagon Branch	Union Dempsey Hall, 1 Munro Ave	Cape May	NJ
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	2200 Burlington-Mt Holly Rd	Burlington	NJ
FAIRLEIGH DICKINSON UNIVERSITY Fairleigh Dickinson Fairleigh Dickinson Branch	285 Madison Ave, Gatehouse	Madison	NJ
BAKER Baker Baker Branch	501 Baltimore Street	Phillipsburg	NJ
IRCO COMMUNITY Irco Community Irco Community Branch	450 Hillcrest Blvd	Phillipsburg	NJ
UNITED TELETECH FINANCIAL United Teletech Fina United Teletech Fina Branch	205, HANCE AVE	TINTON FALLS	NJ
PARDA Parda Parda Branch	185 Tabor Road	Morris Plains	NJ
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	22 Sylvan Way	Parsippany	NJ
ADVANCED FINANCIAL Advanced Financial Advanced Financial Branch	785 central ave	new providence	NJ
L'OREAL USA L'oreal Usa L'oreal Usa Branch	30 Terminal Ave	Clark	NJ
ASPIRE Aspire Aspire Branch	67 Walnut Ave	Clark	NJ
UNITED POLES United Poles United Poles Branch	412 NEW BRUNSWICK AVE	PERTH AMBOY	NJ
HMC (NJ) Hmc (nj) Hmc (nj) Branch	2100 Wescott Drive	Flemington	NJ
SHARONVIEW Bridgewater Bridgewater Branch	550 Hills Dr Ste 115B	Bedminster	NJ
MERCER COUNTY NJ TEACHERS Mercer County Nj Tea Mercer County Nj Tea Branch	Mercer County NJ Teachers' FCU, 227	Hamilton Square	NJ
CREDIT UNION OF NEW JERSEY Credit Union Of New Credit Union Of New Branch	1301 Parkway Ave	Ewing	NJ
PRINCETON Princeton Princeton Branch	104 Carnegie Center, Suite 103	Princeton	NJ
B-M S B-m S B-m S Branch	1 Squibb Drive	New Brunswick	NJ
ALTRA Altra Altra Branch	2231 E State St	Trenton	NJ
SOUTHERN MIDDLESEX CO TCHRS Southern Middlesex C Southern Middlesex C Branch	39 Brunswick Woods Drive	East Brunswick	NJ
PINNACLE Pinnacle Pinnacle Branch	135 Raritan Center Parkway	Edison	NJ
RUTGERS Rutgers Rutgers Branch	100 College Av.	New Brunswick	NJ
RARITAN BAY Raritan Bay Raritan Bay Branch	491 RARITAN STREET	SAYREVILLE	NJ
ENERGY PEOPLE Energy People Energy People Branch	39 Wicklow Drive	Tabernacle	NJ
GARDEN STATE Garden State Garden State Branch	144 ROUTE 38	MOORESTOWN	NJ
EDIFI Rancocas Village Rancocas Village Branch	215 Main St	Rancocas	NJ
1166 Research 1166 Research 1166 Branch	600 Billingsport Rd	Paulsboro	NJ
FORT BILLINGS Fort Billings Fort Billings Branch	962 Billingsport Road	Paulsboro	NJ
MEMBERS 1ST OF NJ Member's 1st Of Nj Member's 1st Of Nj Branch	37 WEST LANDIS AVE	VINELAND	NJ
WAKEFERN Wakefern Wakefern Branch	600 York St	Elizabeth	NJ
PARTNERS 1ST Partners 1st Partners 1st Branch	c/o Edax, 85-91 McKee Drive	Mahwah	NJ
MERCER COUNTY NJ TEACHERS Mercer County Nj Tea Mercer County Nj Tea Branch	Mercer County NJ Teachers' FCU, 227	Hamilton Square	NJ
FIRST FINANCIAL First Financial First Financial Branch	1800 Rt. 34 N	Wall	NJ
MEMBERS 1ST OF NJ Member's 1st Of Nj Member's 1st Of Nj Branch	37 WEST LANDIS AVE	VINELAND	NJ
GREATER ALLIANCE Greater Alliance Greater Alliance Branch	40 West Century Road	Paramus	NJ
HAMILTON HORIZONS Hamilton Horizons Hamilton Horizons Branch	3535 Quakerbridge Rd Suite 600	Hamilton	NJ
DEEPWATER INDUSTRIES Deepwater Industries Deepwater Industries Branch	565 N. Broadway	Deepwater	NJ
POLISH & SLAVIC Polish & Slavic Polish & Slavic Branch	533 Broadway	Bayonne	NJ
NORTH JERSEY North Jersey North Jersey Branch	711 Union Blvd.	Totowa	NJ
MOTION E 53 E 53 Branch	1380 Jersey Avenue	North Brunswick	NJ
ASPIRE Aspire Aspire Branch	67 Walnut Ave	Clark	NJ
RIEGEL Riegel Riegel Branch	515 Milford Warren Glen Rd.	Milford	NJ
UKRAINIAN NATIONAL Perth Amboy Perth Amboy Branch	615 Amboy Ave	Perth Amboy	NJ

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.