Best Credit Union Savings and Money Market Rates in New Brunswick, New Jersey, NJ October 29, 2025

You are viewing savings rates from credit unions in New Brunswick, 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.

New Brunswick, NJ - October 29, 2025

Savings Account National Average Rate: 0.44% ^?

Credit Unions	APY	MIN
GARDEN SAVINGS Morristown (honeywell) Branch Restrictions	4.07% 1.00% 0.30%	$0 $15,001 $1,000	Learn More Add Review
USALLIANCE Usalliance Branch Restrictions	3.75%	$500	Learn More Add Review
Rate History: 4.65% → 4.55% → 3.75%
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
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%
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	2.15% 1.95% 1.75% 1.60% 1.45% 1.06% 1.00% 0.90%	$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)
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%
SHARONVIEW Sharonview 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 Morristown (honeywell) 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
AFFINITY Bedminster Branch Restrictions	0.50%	$0	Learn More Add Review
Rate History: 4.00% → 1.00% → 0.75% → 0.50%
SELFRELIANCE Whippany Branch Restrictions	0.50%	$25,000	Learn More Add Review
SHARONVIEW Sharonview 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 Main Office Branch Restrictions	0.50% 0.40% 0.25% 0.10%	$25,000 $10,000 $2,500 $100	Learn More Add Review
ABCO Abco 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 Branch 07 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%
N. J. LATVIAN N. J. Latvian Branch	0.40%	$2,500	Learn More Add Review
PROPONENT Branch 07 Restrictions	0.30%	$10,000	Learn More Add Review
PRINCETON New South Branch Restrictions	0.30%	$10,000	Learn More Add Review
B-M S Hopewell Branch Restrictions	0.30%	$25,000	Learn More Add Review
TOGETHER Newark 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 Branch 75 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 Hopewell Branch Restrictions	0.25%	$2,500	Learn More Add Review
RUTGERS Rutgers Branch Restrictions	0.25%	$25,000	Learn More Add Review
RARITAN BAY South River Office Branch Restrictions	0.25%	$10,000	Learn More Add Review
TOGETHER Newark 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
PARTNERS 1ST Partners 1st Fcu, Br. 41 Branch Restrictions	0.20%	$10,000	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 Branch 75 Restrictions	0.20%	$2,500	Learn More Add Review
SEAPORT Seaport Branch	0.20%	$2,500	Learn More Add Review
COUNTY EDUCATORS County Educators Branch Restrictions	0.20%	$2,500	Learn More Add Review
PRINCETON New South Branch Restrictions	0.20%	$2,500	Learn More Add Review
ALTRA Altra Branch Restrictions	0.20%	$25,000	Learn More Add Review
RARITAN BAY South River Office Branch Restrictions	0.20%	$2,500	Learn More Add Review
UKRAINIAN NATIONAL Sbb Branch Restrictions	0.20% 0.01%	$2,500 $50	Learn More Add Review
SEAPORT Seaport Branch	0.18%	$25,000	Learn More Add Review
SEAPORT Seaport 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 Umdnj Branch Restrictions	0.15%	$25,000	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 Whippany Branch Restrictions	0.15%	$2,500	Learn More Add Review
ADVANCED FINANCIAL New Providence 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 Ewing 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 Edison Branch Restrictions	0.15%	$25,000	Learn More Add Review
RUTGERS Rutgers Branch Restrictions	0.15%	$2,500	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)
FAIRLEIGH DICKINSON UNIVERSITY Fairleigh Dickinson Branch	0.10%	$2,500	Learn More Add Review
PARTNERS 1ST Partners 1st Fcu, Br. 41 Branch Restrictions	0.10%	$2,500	Learn More Add Review
PROPONENT Branch 07 Restrictions	0.10%	$2,500	Learn More Add Review
UNITED TELETECH FINANCIAL North Brunswick 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 Whippany 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 Ewing 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
TOGETHER Newark Branch Restrictions	0.10%	$2,500	Learn More Add Review
XCEL Xcel Branch Restrictions	0.10%	$50	Learn More Add Review
PINNACLE Edison Branch Restrictions	0.07%	$10,000	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)
FAIRLEIGH DICKINSON UNIVERSITY Fairleigh Dickinson Branch	0.05%	$2,500	Learn More Add Review
UNITED TELETECH FINANCIAL North Brunswick 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 Branch 75 Restrictions	0.05%	$2,500	Learn More Add Review
ADVANCED FINANCIAL New Providence 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 Main Office Branch Restrictions	0.05%	$2,500	Learn More Add Review
ASPIRE Clark - New Jersey Branch Restrictions	0.05%	$2,500	Learn More Add Review
UNITED POLES United Poles Branch	0.05%	$2,500	Learn More Add Review
SHARONVIEW Sharonview 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 Ewing Branch Restrictions	0.05%	$2,500	Learn More Add Review
PRINCETON New South Branch Restrictions	0.05%	$2,500	Learn More Add Review
B-M S Hopewell 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 Edison Branch Restrictions	0.05%	$2,500	Learn More Add Review
RUTGERS Rutgers Branch Restrictions	0.05%	$2,500	Learn More Add Review
RARITAN BAY South River Office Branch Restrictions	0.05%	$2,500	Learn More Add Review
ABCO Abco Branch Restrictions	0.05%	$2,500	Learn More Add Review
WAKEFERN Wakefern Fcu Branch	0.04%	$2,500	Learn More Add Review
PARTNERS 1ST Partners 1st Fcu, Br. 41 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
HAMILTON HORIZONS Hamilton Horizons Branch	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 Umdnj Branch Restrictions	0.01%	$2,500	Learn More Add Review
MOTION E 53 Branch Restrictions	0.01%	$2,500	Learn More Add Review
ASPIRE Clark - New Jersey 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 around New-brunswick, New Jersey

Branch	Street	City	State
GARDEN SAVINGS Morristown (honeywell) Morristown (honeywell) Branch	101 Columbia Rd	Morristown	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
ALLIANT Ewrcu Ewrcu Branch	10 Toler Pl	Newark	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	199 Grandview Road	Skillman	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	199 Grandview Road	Skillman	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	199 Grandview Road	Skillman	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	201 State Route 34N	Colts Neck	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	201 State Route 34N	Colts Neck	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	201 State Route 34N	Colts Neck	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	201 State Route 34N	Colts Neck	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	199 Grandview Road	Skillman	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	201 State Route 34N	Colts Neck	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	201 State Route 34N	Colts Neck	NJ
FINANCIAL RESOURCES Financial Resources Financial Resources Branch	199 Grandview Road	Skillman	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	201 State Route 34N	Colts Neck	NJ
GARDEN SAVINGS Morristown (honeywell) Morristown (honeywell) Branch	101 Columbia Rd	Morristown	NJ
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	201 State Route 34N	Colts Neck	NJ
XCEL Xcel Xcel Branch	One Saint Thomas Plaza	Old Bridge	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
SHARONVIEW Sharonview Sharonview Branch	55 Corporate Drive Building A Floor 2	Bridgewater	NJ
XCEL Xcel Xcel Branch	One Saint Thomas Plaza	Old Bridge	NJ
GARDEN SAVINGS Morristown (honeywell) Morristown (honeywell) Branch	101 Columbia Rd	Morristown	NJ
XCEL Xcel Xcel Branch	One Saint Thomas Plaza	Old Bridge	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
GARDEN SAVINGS Morristown (honeywell) Morristown (honeywell) Branch	101 Columbia Rd	Morristown	NJ
AFFINITY Bedminster Branch Bedminster Branch	1520 US HIGHWAY 206	Bedminster	NJ
GARDEN SAVINGS Morristown (honeywell) Morristown (honeywell) Branch	101 Columbia Rd	Morristown	NJ
SELFRELIANCE Whippany Branch Whippany Branch	60C N Jefferson Rd	Whippany	NJ
SHARONVIEW Sharonview Sharonview Branch	55 Corporate Drive Building A Floor 2	Bridgewater	NJ
JERSEY CENTRAL Main Office Main Office Branch	23 North Ave E	Cranford	NJ
EDIFI Abco Abco Branch	2083 Lawrence Road	Lawrenceville	NJ
XCEL Xcel Xcel Branch	One Saint Thomas Plaza	Old Bridge	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 Branch 07 Branch 07	1080 US Highway 202 S	Branchburg	NJ
RIDGEDALE Novartis Novartis Branch	124 S Ridgedale AVe	East Hanover	NJ
JERSEY CENTRAL Main Office Main Office Branch	23 North Ave E	Cranford	NJ
N. J. LATVIAN N. J. Latvian N. J. Latvian Branch	12 Gates Ave.	East Brunswick	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
PROPONENT Branch 07 Branch 07	1080 US Highway 202 S	Branchburg	NJ
GARDEN SAVINGS Morristown (honeywell) Morristown (honeywell) Branch	101 Columbia Rd	Morristown	NJ
PRINCETON New South New South Branch	7 New S	Princeton	NJ
B-M S Hopewell Hopewell Branch	311 Pennington Rocky Hill Rd	Pennington	NJ
TOGETHER Newark Newark Branch	200 US Highway 1 and 9	Newark	NJ
XCEED FINANCIAL Branch 75 Branch 75	1 Campus Dr	Parsippany	NJ
THE ATLANTIC The Atlantic The Atlantic Branch	37 Market Street	Kenilworth	NJ
COUNTY EXCELLENCE County Educators County Educators Branch	100 West High Street	Somerville	NJ
B-M S Hopewell Hopewell Branch	311 Pennington Rocky Hill Rd	Pennington	NJ
RUTGERS Rutgers Rutgers Branch	85 Davidson Road	Piscataway	NJ
RARITAN BAY South River Office South River Office Branch	93 Main St	South River	NJ
JERSEY CENTRAL Main Office Main Office Branch	23 North Ave E	Cranford	NJ
TOGETHER Newark Newark 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	201 State Route 34N	Colts Neck	NJ
PARTNERS 1ST Partners 1st Fcu, Br. 41 Partners 1st Fcu, Br. 41 Branch	200 Franklin Square Dr	Somerset	NJ
PARDA Parda Parda Branch	182 Tabor Road	Morris Plains	NJ
XCEED FINANCIAL Branch 75 Branch 75	1 Campus Dr	Parsippany	NJ
SEAPORT Seaport Seaport Branch	1180 McLester St	Elizabeth	NJ
COUNTY EXCELLENCE County Educators County Educators Branch	100 West High Street	Somerville	NJ
PRINCETON New South New South Branch	7 New S	Princeton	NJ
ALTRA Altra Altra Branch	2231 E State St	Trenton	NJ
RARITAN BAY South River Office South River Office Branch	93 Main St	South River	NJ
UKRAINIAN NATIONAL Sbb Sbb Branch	35 Main St	South Bound Brook	NJ
SEAPORT Seaport Seaport Branch	1180 McLester St	Elizabeth	NJ
SEAPORT Seaport Seaport Branch	1180 McLester St	Elizabeth	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
NORTH JERSEY Umdnj Branch Umdnj Branch	30 Bergen St	Newark	NJ
PARDA Parda Parda Branch	182 Tabor Road	Morris Plains	NJ
SELFRELIANCE Whippany Branch Whippany Branch	60C N Jefferson Rd	Whippany	NJ
ADVANCED FINANCIAL New Providence New Providence 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 Ewing Branch Ewing 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 Edison Branch Edison Branch	135 Raritan Center Pkwy	Edison	NJ
RUTGERS Rutgers Rutgers Branch	85 Davidson Road	Piscataway	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 Fcu, Br. 41 Partners 1st Fcu, Br. 41 Branch	200 Franklin Square Dr	Somerset	NJ
PROPONENT Branch 07 Branch 07	1080 US Highway 202 S	Branchburg	NJ
UNITED TELETECH FINANCIAL North Brunswick North Brunswick Branch	2201 US HIGHWAY 1 STE 119	NORTH BRUNSWICK	NJ
PARDA Parda Parda Branch	182 Tabor Road	Morris Plains	NJ
SELFRELIANCE Whippany Branch Whippany Branch	60C N Jefferson Rd	Whippany	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	100 West High Street	Somerville	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 Main Office Main Office Branch	23 North Ave E	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 Ewing Branch Ewing 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
TOGETHER Newark Newark Branch	200 US Highway 1 and 9	Newark	NJ
XCEL Xcel Xcel Branch	One Saint Thomas Plaza	Old Bridge	NJ
US Alliance Usalliance Usalliance Branch	25A Vreeland Ave	Florham Park	NJ
PINNACLE Edison Branch Edison Branch	135 Raritan Center Pkwy	Edison	NJ
FAIRLEIGH DICKINSON UNIVERSITY Fairleigh Dickinson Fairleigh Dickinson Branch	285 Madison Ave, Gatehouse	Madison	NJ
UNITED TELETECH FINANCIAL North Brunswick North Brunswick Branch	2201 US HIGHWAY 1 STE 119	NORTH BRUNSWICK	NJ
PARDA Parda Parda Branch	182 Tabor Road	Morris Plains	NJ
XCEED FINANCIAL Branch 75 Branch 75	1 Campus Dr	Parsippany	NJ
ADVANCED FINANCIAL New Providence New Providence Branch	785 CENTRAL AVE	NEW PROVIDENCE	NJ
L'OREAL USA Main Office Main Office Branch	30 Terminal Ave	Clark	NJ
ASPIRE Clark - New Jersey Clark - New Jersey Branch	67 Walnut Ave	Clark	NJ
UNITED POLES United Poles United Poles Branch	412 NEW BRUNSWICK AVE	PERTH AMBOY	NJ
SHARONVIEW Sharonview Sharonview Branch	55 Corporate Drive Building A Floor 2	Bridgewater	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 Ewing Branch Ewing Branch	1301 Parkway Ave	Ewing	NJ
PRINCETON New South New South Branch	7 New S	Princeton	NJ
B-M S Hopewell Hopewell Branch	311 Pennington Rocky Hill Rd	Pennington	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 Edison Branch Edison Branch	135 Raritan Center Pkwy	Edison	NJ
RUTGERS Rutgers Rutgers Branch	85 Davidson Road	Piscataway	NJ
RARITAN BAY South River Office South River Office Branch	93 Main St	South River	NJ
EDIFI Abco Abco Branch	2083 Lawrence Road	Lawrenceville	NJ
WAKEFERN Wakefern Fcu Wakefern Fcu Branch	505 Division St	Elizabeth	NJ
PARTNERS 1ST Partners 1st Fcu, Br. 41 Partners 1st Fcu, Br. 41 Branch	200 Franklin Square Dr	Somerset	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	3338 Rt. 9 South	Freehold	NJ
HAMILTON HORIZONS Hamilton Horizons Hamilton Horizons Branch	3535 Quakerbridge Rd Suite 600	Hamilton	NJ
POLISH & SLAVIC Polish & Slavic Polish & Slavic Branch	1110 N Olden Ave	Trenton	NJ
NORTH JERSEY Umdnj Branch Umdnj Branch	30 Bergen St	Newark	NJ
MOTION E 53 E 53 Branch	1380 Jersey Avenue	North Brunswick	NJ
ASPIRE Clark - New Jersey Clark - New Jersey Branch	67 Walnut Ave	Clark	NJ
UKRAINIAN NATIONAL Sbb Sbb Branch	35 Main St	South Bound Brook	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.