Best Credit Union Savings and Money Market Rates in Spring Lake Heights, New Jersey, NJ July 19, 2025

You are viewing savings rates from credit unions in Spring Lake Heights, 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.

Spring Lake Heights, NJ - July 19, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
Garden Savings Main Branch Restrictions	4.07% 1.00% 0.30%	$0 $15,001 $1,000	Learn More Add Review
Usalliance Iso Branch Restrictions	3.75%	$500	Learn More Add Review
Rate History: 4.65% → 4.55% → 3.75%
Andrews Federal Credit Union Burlington Branch Restrictions	3.25% 1.25% 1.15% 1.10%	$1 $50,000 $20,000 $2,500	Learn More Add Review
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 Fcu - Flemington 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)
Ridgedale Ridgedale Office 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 Cherry Hill 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 Oakland 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)
Xcel Xcel Federal Credit Union 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%
Affinity Headquarters 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 Main Branch Restrictions	0.65% 0.55% 0.50%	$30,000 $15,000 $1,000	Learn More Add Review
Usalliance Iso 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 Main Office Branch Restrictions	0.50% 0.40% 0.25% 0.10%	$25,000 $10,000 $2,500 $100	Learn More Add Review
Abco Willingboro Branch Restrictions	0.50%	$25,000	Learn More Add Review
The Atlantic Atlantic Federal Credit Union Branch Restrictions	0.45%	$25,000	Learn More Add Review
Proponent Branch 10 Restrictions	0.40%	$25,000	Learn More Add Review
Ridgedale Ridgedale Office 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 Nj Latvian Fcu Branch	0.40%	$2,500	Learn More Add Review
Jersey Shore Northfield Office Branch Restrictions	0.40%	$25,000	Learn More Add Review
Visions Oakland Branch Restrictions	0.35% 0.20%	$50,000 $0	Learn More Add Review
Rate History: 0.85% → 0.35%
Unilever Unilever Federal Credit Union Branch Restrictions	0.30%	$10,000	Learn More Add Review
Proponent Branch 10 Restrictions	0.30%	$10,000	Learn More Add Review
Union Building Trades Union Building Trades Federal Credit Union Branch Restrictions	0.30%	$25,000	Learn More Add Review
Princeton Carnegie Branch Restrictions	0.30%	$10,000	Learn More Add Review
B-m S New Brunswick 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 74 Restrictions	0.25%	$10,000	Learn More Add Review
The Atlantic Atlantic Federal Credit Union Branch Restrictions	0.25%	$2,500	Learn More Add Review
County Educators County Educators Fcu Br1 Branch Restrictions	0.25%	$25,000	Learn More Add Review
B-m S New Brunswick Branch Restrictions	0.25%	$2,500	Learn More Add Review
Rutgers Branch 01-busch Restrictions	0.25%	$25,000	Learn More Add Review
Raritan Bay Main Office Branch Restrictions	0.25%	$10,000	Learn More Add Review
Jersey Shore Northfield Office Branch Restrictions	0.25%	$2,500	Learn More Add Review
Together Newark Branch Restrictions	0.25%	$2,500	Learn More Add Review
Navy Federal Credit Union Cherry Hill 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 Federal Credit Union Branch Restrictions	0.20%	$2,500	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 41 Branch Restrictions	0.20%	$10,000	Learn More Add Review
Union Building Trades Union Building Trades Federal Credit Union Branch Restrictions	0.20%	$2,500	Learn More Add Review
Parda Parda Federal Credit Union 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 74 Restrictions	0.20%	$2,500	Learn More Add Review
Seaport Seaport Federal Credit Union Branch	0.20%	$2,500	Learn More Add Review
County Educators County Educators Fcu Br1 Branch Restrictions	0.20%	$2,500	Learn More Add Review
Princeton Carnegie Branch Restrictions	0.20%	$2,500	Learn More Add Review
Altra Altra Federal Credit Union 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 Main Office Branch Restrictions	0.20%	$2,500	Learn More Add Review
Garden State Main Office Branch Restrictions	0.20%	$25,000	Learn More Add Review
Fort Billings Fort Billings Federal Credit Union 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 Sbb Branch Restrictions	0.20% 0.01%	$2,500 $50	Learn More Add Review
Seaport Seaport Federal Credit Union Branch	0.18%	$25,000	Learn More Add Review
Seaport Seaport Federal Credit Union 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 Totowa Branch Restrictions	0.15%	$25,000	Learn More Add Review
Picatinny Rockaway Office Branch Restrictions	0.15%	$2,500	Learn More Add Review
Parda Parda Federal Credit Union 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 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 Main Office 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 Branch 01-busch 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 Fcu Branch Restrictions	0.15%	$2,500	Learn More Add Review
Fort Billings Fort Billings Federal Credit Union Branch Restrictions	0.15%	$2,500	Learn More Add Review
Deepwater Industries Deepwater Headquarters 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 Bridgeton Office Branch Restrictions	0.14%	$25,000	Learn More Add Review
First Atlantic Eatontown 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)
Fairleigh Dickinson University Madison Main Office 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
Baker Baker Federal Credit Union Branch	0.10%	$10,000	Learn More Add Review
Proponent Branch 10 Restrictions	0.10%	$2,500	Learn More Add Review
Union Building Trades Union Building Trades Federal Credit Union Branch Restrictions	0.10%	$2,500	Learn More Add Review
Picatinny Rockaway Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
United Teletech Financial Hance Ave Branch Restrictions	0.10%	$2,500	Learn More Add Review
Parda Parda Federal Credit Union 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 Atlantic Federal Credit Union 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 Main Branch	0.10%	$2,500	Learn More Add Review
County Educators County Educators Fcu Br1 Branch Restrictions	0.10%	$2,500	Learn More Add Review
United Poles Main Office Branch	0.10%	$2,500	Learn More Add Review
Manville Area Main Office Branch	0.10%	$2,500	Learn More Add Review
First Point Main Branch	0.10%	$2,500	Learn More Add Review
Hamilton Horizons Hamilton Horizons Fcu Branch	0.10%	$10,000	Learn More Add Review
Mercer County Nj Teachers Mercer County Nj Teachers' Fcu 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 Federal Credit Union 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 Camden Branch Restrictions	0.10%	$2,500	Learn More Add Review
Garden State Main Office Branch Restrictions	0.10%	$10,000	Learn More Add Review
Jersey Shore Northfield Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
Member's 1st Of Nj Bridgeton Office 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 Office Branch	0.10%	$2,500	Learn More Add Review
Together Newark Branch Restrictions	0.10%	$2,500	Learn More Add Review
Xcel Xcel Federal Credit Union 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 Federal Credit Union Branch	0.08%	$2,500	Learn More Add Review
Pinnacle Edison Branch Restrictions	0.07%	$10,000	Learn More Add Review
First Atlantic Eatontown 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 Burlington Branch Restrictions	0.05%	$5	Learn More Add Review
Fairleigh Dickinson University Madison Main Office Branch	0.05%	$2,500	Learn More Add Review
Baker Baker Federal Credit Union Branch	0.05%	$2,500	Learn More Add Review
Irco Community Main Office Branch Restrictions	0.05%	$2,500	Learn More Add Review
United Teletech Financial Hance Ave Branch Restrictions	0.05%	$2,500	Learn More Add Review
Parda Parda Federal Credit Union 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 74 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 Main Office Branch	0.05%	$2,500	Learn More Add Review
Hmc (nj) Hmc (nj) Federal Credit Union 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 Teachers' Fcu 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 Carnegie Branch Restrictions	0.05%	$2,500	Learn More Add Review
B-m S New Brunswick Branch Restrictions	0.05%	$2,500	Learn More Add Review
Altra Altra Federal Credit Union 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 Branch 01-busch Restrictions	0.05%	$2,500	Learn More Add Review
Raritan Bay Main Office Branch Restrictions	0.05%	$2,500	Learn More Add Review
Energy People Main Branch Restrictions	0.05%	$2,500	Learn More Add Review
Garden State Main Office Branch Restrictions	0.05%	$2,500	Learn More Add Review
Abco Willingboro Branch Restrictions	0.05%	$2,500	Learn More Add Review
Research 1166 Research-1166 Fcu Branch	0.05%	$2,500	Learn More Add Review
Fort Billings Fort Billings Federal Credit Union Branch Restrictions	0.05%	$2,500	Learn More Add Review
Member's 1st Of Nj Bridgeton Office 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 Teachers' Fcu Branch Restrictions	0.03%	$2,500	Learn More Add Review
First Financial Administrative Office Branch Restrictions	0.03%	$2,500	Learn More Add Review
Member's 1st Of Nj Bridgeton Office Branch Restrictions	0.03%	$2,500	Learn More Add Review
Greater Alliance Corporate Office Branch Restrictions	0.02%	$2,500	Learn More Add Review
Hamilton Horizons Hamilton Horizons Fcu Branch	0.02%	$2,500	Learn More Add Review
Deepwater Industries Deepwater Headquarters Branch Restrictions	0.02%	$2,500	Learn More Add Review
Edu Restrictions	0.01%	$1	Learn More Add Review
Polish & Slavic Union Branch Restrictions	0.01%	$2,500	Learn More Add Review
North Jersey Totowa 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
Riegel Riegel Federal Credit Union 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 Spring-lake-heights, New Jersey

Branch	Street	City	State
GARDEN SAVINGS Main Main Branch	129 Littleton Rd	Parsippany	NJ
US Alliance Iso Iso Branch	545 Washington Blvd	Jersey City	NJ
ANDREWS FEDERAL CREDIT UNION Burlington Burlington Branch	2200 Mount Holly Rd	Burlington	NJ
ALLIANT Ewrcu Ewrcu Branch	10 Toler Pl	Newark	NJ
FINANCIAL RESOURCES Financial Resources Fcu - Flemington Branch Financial Resources Fcu - Flemington Branch	67 Church St	Flemington	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 Fcu - Flemington Branch Financial Resources Fcu - Flemington Branch	67 Church St	Flemington	NJ
RIDGEDALE Ridgedale Office Ridgedale Office Branch	124 S Ridgedale AVe	East Hanover	NJ
FINANCIAL RESOURCES Financial Resources Fcu - Flemington Branch Financial Resources Fcu - Flemington Branch	67 Church St	Flemington	NJ
NAVY FEDERAL CREDIT UNION Cherry Hill Cherry Hill Branch	2100 Route 38	Cherry Hill	NJ
VISIONS Oakland Oakland Branch	3 Post Rd	Oakland	NJ
NAVY FEDERAL CREDIT UNION Cherry Hill Cherry Hill Branch	2100 Route 38	Cherry Hill	NJ
RIDGEDALE Ridgedale Office Ridgedale Office Branch	124 S Ridgedale AVe	East Hanover	NJ
AMERICAN AIRLINES Aafcu - Ewr Aafcu - Ewr Branch	34 Terminal A Arrivals Door 7	Newark	NJ
VISIONS Oakland Oakland Branch	3 Post Rd	Oakland	NJ
NAVY FEDERAL CREDIT UNION Cherry Hill Cherry Hill Branch	2100 Route 38	Cherry Hill	NJ
NAVY FEDERAL CREDIT UNION Cherry Hill Cherry Hill Branch	2100 Route 38	Cherry Hill	NJ
VISIONS Oakland Oakland Branch	3 Post Rd	Oakland	NJ
FINANCIAL RESOURCES Financial Resources Fcu - Flemington Branch Financial Resources Fcu - Flemington Branch	67 Church St	Flemington	NJ
NAVY FEDERAL CREDIT UNION Cherry Hill Cherry Hill Branch	2100 Route 38	Cherry Hill	NJ
VISIONS Oakland Oakland Branch	3 Post Rd	Oakland	NJ
RIDGEDALE Ridgedale Office Ridgedale Office Branch	124 S Ridgedale AVe	East Hanover	NJ
ANDREWS FEDERAL CREDIT UNION Burlington Burlington Branch	2200 Mount Holly Rd	Burlington	NJ
ANDREWS FEDERAL CREDIT UNION Burlington Burlington Branch	2200 Mount Holly Rd	Burlington	NJ
VISIONS Oakland Oakland Branch	3 Post Rd	Oakland	NJ
ANDREWS FEDERAL CREDIT UNION Burlington Burlington Branch	2200 Mount Holly Rd	Burlington	NJ
NAVY FEDERAL CREDIT UNION Cherry Hill Cherry Hill Branch	2100 Route 38	Cherry Hill	NJ
NAVY FEDERAL CREDIT UNION Cherry Hill Cherry Hill Branch	2100 Route 38	Cherry Hill	NJ
FINANCIAL RESOURCES Financial Resources Fcu - Flemington Branch Financial Resources Fcu - Flemington Branch	67 Church St	Flemington	NJ
GARDEN SAVINGS Main Main Branch	129 Littleton Rd	Parsippany	NJ
POLICE & FIRE Washington Township Washington Township Branch	5901 Route 42	Turnersville	NJ
NAVY FEDERAL CREDIT UNION Cherry Hill Cherry Hill Branch	2100 Route 38	Cherry Hill	NJ
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	1460 Broad St	Bloomfield	NJ
AFFINITY Headquarters Headquarters Branch	73 Mountainview Blvd	Basking Ridge	NJ
RIDGEDALE Ridgedale Office Ridgedale Office Branch	124 S Ridgedale AVe	East Hanover	NJ
SHARONVIEW Bridgewater Bridgewater Branch	550 Hills Dr Ste 115B	Bedminster	NJ
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	1460 Broad St	Bloomfield	NJ
GARDEN SAVINGS Main Main Branch	129 Littleton Rd	Parsippany	NJ
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	1460 Broad St	Bloomfield	NJ
US Alliance Iso Iso Branch	545 Washington Blvd	Jersey City	NJ
GARDEN SAVINGS Main Main Branch	129 Littleton Rd	Parsippany	NJ
GARDEN SAVINGS Main Main Branch	129 Littleton Rd	Parsippany	NJ
SELFRELIANCE Newark Branch Newark Branch	734 Sanford Ave	Newark	NJ
SHARONVIEW Bridgewater Bridgewater Branch	550 Hills Dr Ste 115B	Bedminster	NJ
JERSEY CENTRAL Main Office Main Office Branch	23 North Ave E	Cranford	NJ
EDIFI Willingboro Willingboro Branch	690 Beverly Rancocas Road	Willingboro	NJ
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	1460 Broad St	Bloomfield	NJ
US Alliance Iso Iso Branch	545 Washington Blvd	Jersey City	NJ
THE ATLANTIC Atlantic Federal Credit Union Atlantic Federal Credit Union Branch	37 Market St	Kenilworth	NJ
PROPONENT Branch 10 Branch 10	536 Washington Ave	Nutley	NJ
RIDGEDALE Ridgedale Office Ridgedale Office Branch	124 S Ridgedale AVe	East Hanover	NJ
JERSEY CENTRAL Main Office Main Office Branch	23 North Ave E	Cranford	NJ
UKRAINIAN SELFRELIANCE Ukrainian Selfrelian Ukrainian Selfrelian Branch	477 Jeremiah Ave	Trenton	NJ
N. J. LATVIAN Nj Latvian Fcu Nj Latvian Fcu Branch	1017 State Route 33	Freehold	NJ
JERSEY SHORE Northfield Office Northfield Office Branch	1434 New Rd	Northfield	NJ
US Alliance Iso Iso Branch	545 Washington Blvd	Jersey City	NJ
VISIONS Oakland Oakland Branch	3 Post Rd	Oakland	NJ
UNILEVER Unilever Federal Credit Union Unilever Federal Credit Union Branch	800 Sylvan Ave	Englewood Cliffs	NJ
PROPONENT Branch 10 Branch 10	536 Washington Ave	Nutley	NJ
GARDEN SAVINGS Main Main Branch	129 Littleton Rd	Parsippany	NJ
UNION BUILDING TRADES Union Building Trades Federal Credit Union Union Building Trades Federal Credit Union Branch	205 Cherry Hill Rd	Parsippany	NJ
PRINCETON Carnegie Carnegie Branch	104 Carnegie Ctr Ste 103	Princeton	NJ
B-M S New Brunswick New Brunswick Branch	1 Squibb Dr	New Brunswick	NJ
TOGETHER Newark Newark Branch	200 US Highway 1 and 9	Newark	NJ
XCEED FINANCIAL Branch 74 Branch 74	22 Sylvan Way	Parsippany	NJ
THE ATLANTIC Atlantic Federal Credit Union Atlantic Federal Credit Union Branch	37 Market St	Kenilworth	NJ
COUNTY EXCELLENCE County Educators Fcu Br1 County Educators Fcu Br1 Branch	16 E Lincoln Ave	Roselle Park	NJ
B-M S New Brunswick New Brunswick Branch	1 Squibb Dr	New Brunswick	NJ
RUTGERS Branch 01-busch Branch 01-busch	85 Davidson Rd	Piscataway	NJ
RARITAN BAY Main Office Main Office Branch	491 Raritan St	Sayreville	NJ
JERSEY CENTRAL Main Office Main Office Branch	23 North Ave E	Cranford	NJ
JERSEY SHORE Northfield Office Northfield Office Branch	1434 New Rd	Northfield	NJ
TOGETHER Newark Newark Branch	200 US Highway 1 and 9	Newark	NJ
US Alliance Iso Iso Branch	545 Washington Blvd	Jersey City	NJ
NAVY FEDERAL CREDIT UNION Cherry Hill Cherry Hill Branch	2100 Route 38	Cherry Hill	NJ
VISIONS Oakland Oakland Branch	3 Post Rd	Oakland	NJ
UNILEVER Unilever Federal Credit Union Unilever Federal Credit Union Branch	800 Sylvan Ave	Englewood Cliffs	NJ
PARTNERS 1ST Partners 1st Fcu, Br. 41 Partners 1st Fcu, Br. 41 Branch	200 Franklin Square Dr	Somerset	NJ
UNION BUILDING TRADES Union Building Trades Federal Credit Union Union Building Trades Federal Credit Union Branch	205 Cherry Hill Rd	Parsippany	NJ
PARDA Parda Federal Credit Union Parda Federal Credit Union Branch	185 Tabor Rd	Morris Plains	NJ
XCEED FINANCIAL Branch 74 Branch 74	22 Sylvan Way	Parsippany	NJ
SEAPORT Seaport Federal Credit Union Seaport Federal Credit Union Branch	5080 McLester St	Elizabeth	NJ
COUNTY EXCELLENCE County Educators Fcu Br1 County Educators Fcu Br1 Branch	16 E Lincoln Ave	Roselle Park	NJ
PRINCETON Carnegie Carnegie Branch	104 Carnegie Ctr Ste 103	Princeton	NJ
ALTRA Altra Federal Credit Union Altra Federal Credit Union Branch	2231 E STATE STREET EXT	TRENTON	NJ
UKRAINIAN SELFRELIANCE Ukrainian Selfrelian Ukrainian Selfrelian Branch	477 Jeremiah Ave	Trenton	NJ
RARITAN BAY Main Office Main Office Branch	491 Raritan St	Sayreville	NJ
GARDEN STATE Main Office Main Office Branch	144 W ROUTE 38	MOORESTOWN	NJ
FORT BILLINGS Fort Billings Federal Credit Union Fort Billings Federal Credit Union Branch	962 BILLINGSPORT RD	GIBBSTOWN	NJ
BAY ATLANTIC Elmer Elmer Branch	101 W Elmer Rd	Vineland	NJ
UKRAINIAN NATIONAL Sbb Sbb Branch	35 Main St	South Bound Brook	NJ
SEAPORT Seaport Federal Credit Union Seaport Federal Credit Union Branch	5080 McLester St	Elizabeth	NJ
SEAPORT Seaport Federal Credit Union Seaport Federal Credit Union Branch	5080 McLester St	Elizabeth	NJ
US Alliance Iso Iso Branch	545 Washington Blvd	Jersey City	NJ
NORTH JERSEY Totowa Branch Totowa Branch	711 Union Blvd	Totowa	NJ
PICATINNY Rockaway Office Rockaway Office Branch	100 Mineral Springs RD	Dover	NJ
PARDA Parda Federal Credit Union Parda Federal Credit Union Branch	185 Tabor Rd	Morris Plains	NJ
SELFRELIANCE Newark Branch Newark Branch	734 Sanford Ave	Newark	NJ
ADVANCED FINANCIAL New Providence New Providence Branch	785 CENTRAL AVE	NEW PROVIDENCE	NJ
UNITED POLES Main Office Main Office 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 Branch 01-busch Branch 01-busch	85 Davidson Rd	Piscataway	NJ
CAMPBELL Campbell Employees Federal Cu Campbell Employees Federal Cu Branch	2 EXECUTIVE CAMPUS STE 100	CHERRY HILL	NJ
LAKEHURST NAVAL Lakehurst Naval Fcu Lakehurst Naval Fcu Branch	60 Lansdowne Rd	Joint Base MDL	NJ
FORT BILLINGS Fort Billings Federal Credit Union Fort Billings Federal Credit Union Branch	962 BILLINGSPORT RD	GIBBSTOWN	NJ
DEEPWATER INDUSTRIES Deepwater Headquarters Deepwater Headquarters Branch	565 North 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 Bridgeton Office Bridgeton Office Branch	654 Shiloh Pike	Bridgeton	NJ
FIRST ATLANTIC Eatontown Eatontown Branch	468 INDUSTRIAL WAY W	EATONTOWN	NJ
US Alliance Iso Iso Branch	545 Washington Blvd	Jersey City	NJ
FAIRLEIGH DICKINSON UNIVERSITY Madison Main Office Madison Main Office Branch	12 Main St Ste 4	Madison	NJ
PARTNERS 1ST Partners 1st Fcu, Br. 41 Partners 1st Fcu, Br. 41 Branch	200 Franklin Square Dr	Somerset	NJ
BAKER Baker Federal Credit Union Baker Federal Credit Union Branch	501 Baltimore St	Phillipsburg	NJ
PROPONENT Branch 10 Branch 10	536 Washington Ave	Nutley	NJ
UNION BUILDING TRADES Union Building Trades Federal Credit Union Union Building Trades Federal Credit Union Branch	205 Cherry Hill Rd	Parsippany	NJ
PICATINNY Rockaway Office Rockaway Office Branch	100 Mineral Springs RD	Dover	NJ
UNITED TELETECH FINANCIAL Hance Ave Hance Ave Branch	205 Hance Ave	TINTON FALLS	NJ
PARDA Parda Federal Credit Union Parda Federal Credit Union Branch	185 Tabor Rd	Morris Plains	NJ
SELFRELIANCE Newark Branch Newark Branch	734 Sanford Ave	Newark	NJ
THE ATLANTIC Atlantic Federal Credit Union Atlantic Federal Credit Union Branch	37 Market St	Kenilworth	NJ
MOTION E 53 E 53 Branch	1380 Jersey Avenue	North Brunswick	NJ
COMMUNITY FINANCIAL SERVICES Main Main Branch	149 Saint George Ave	Roselle	NJ
COUNTY EXCELLENCE County Educators Fcu Br1 County Educators Fcu Br1 Branch	16 E Lincoln Ave	Roselle Park	NJ
UNITED POLES Main Office Main Office Branch	412 NEW BRUNSWICK AVE	PERTH AMBOY	NJ
MANVILLE AREA Main Office Main Office Branch	43 S Main St	Manville	NJ
FIRST POINT Main Main Branch	2733 Nottingham Way Ste 5	HAMILTON	NJ
HAMILTON HORIZONS Hamilton Horizons Fcu Hamilton Horizons Fcu Branch	3535 Quakerbridge Rd Ste 600	Hamilton	NJ
JERSEY CENTRAL Main Office Main Office Branch	23 North Ave E	Cranford	NJ
MERCER COUNTY NJ TEACHERS Mercer County Nj Teachers' Fcu Mercer County Nj Teachers' Fcu Branch	2271 Highway 33 Ste 108	Hamilton Square	NJ
CREDIT UNION OF NEW JERSEY Ewing Branch Ewing Branch	1301 Parkway Ave	Ewing	NJ
ALTRA Altra Federal Credit Union Altra Federal Credit Union Branch	2231 E STATE STREET EXT	TRENTON	NJ
SOUTHERN MIDDLESEX CO TCHRS Southern Middlesex C Southern Middlesex C Branch	39 Brunswick Woods Drive	East Brunswick	NJ
FIRST HARVEST Camden Camden Branch	227 Market St	Camden	NJ
GARDEN STATE Main Office Main Office Branch	144 W ROUTE 38	MOORESTOWN	NJ
JERSEY SHORE Northfield Office Northfield Office Branch	1434 New Rd	Northfield	NJ
MEMBERS 1ST OF NJ Bridgeton Office Bridgeton Office Branch	654 Shiloh Pike	Bridgeton	NJ
BAY ATLANTIC Elmer Elmer Branch	101 W Elmer Rd	Vineland	NJ
THUNDERBOLT AREA Office Office Branch	1601 Cedar St	Millville	NJ
TOGETHER Newark Newark Branch	200 US Highway 1 and 9	Newark	NJ
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	1460 Broad St	Bloomfield	NJ
PENTAGON Pentagon Pentagon Branch	Union Dempsey Hall, 1 Munro Ave	Cape May	NJ
FORT DIX Fort Dix Federal Credit Union Fort Dix Federal Credit Union Branch	5408 Delaware Ave	Ft Dix	NJ
US Alliance Iso Iso Branch	545 Washington Blvd	Jersey City	NJ
PINNACLE Edison Branch Edison Branch	135 Raritan Center Pkwy	Edison	NJ
FIRST ATLANTIC Eatontown Eatontown Branch	468 INDUSTRIAL WAY W	EATONTOWN	NJ
PENTAGON Pentagon Pentagon Branch	Union Dempsey Hall, 1 Munro Ave	Cape May	NJ
ANDREWS FEDERAL CREDIT UNION Burlington Burlington Branch	2200 Mount Holly Rd	Burlington	NJ
FAIRLEIGH DICKINSON UNIVERSITY Madison Main Office Madison Main Office Branch	12 Main St Ste 4	Madison	NJ
BAKER Baker Federal Credit Union Baker Federal Credit Union Branch	501 Baltimore St	Phillipsburg	NJ
IRCO COMMUNITY Main Office Main Office Branch	450 Hillcrest Blvd	Phillipsburg	NJ
UNITED TELETECH FINANCIAL Hance Ave Hance Ave Branch	205 Hance Ave	TINTON FALLS	NJ
PARDA Parda Federal Credit Union Parda Federal Credit Union Branch	185 Tabor Rd	Morris Plains	NJ
XCEED FINANCIAL Branch 74 Branch 74	22 Sylvan Way	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 Main Office Main Office Branch	412 NEW BRUNSWICK AVE	PERTH AMBOY	NJ
HMC (NJ) Hmc (nj) Federal Credit Union Hmc (nj) Federal Credit Union Branch	2100 Wescott Dr	Flemington	NJ
SHARONVIEW Bridgewater Bridgewater Branch	550 Hills Dr Ste 115B	Bedminster	NJ
MERCER COUNTY NJ TEACHERS Mercer County Nj Teachers' Fcu Mercer County Nj Teachers' Fcu Branch	2271 Highway 33 Ste 108	Hamilton Square	NJ
CREDIT UNION OF NEW JERSEY Ewing Branch Ewing Branch	1301 Parkway Ave	Ewing	NJ
PRINCETON Carnegie Carnegie Branch	104 Carnegie Ctr Ste 103	Princeton	NJ
B-M S New Brunswick New Brunswick Branch	1 Squibb Dr	New Brunswick	NJ
ALTRA Altra Federal Credit Union Altra Federal Credit Union Branch	2231 E STATE STREET EXT	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 Branch 01-busch Branch 01-busch	85 Davidson Rd	Piscataway	NJ
RARITAN BAY Main Office Main Office Branch	491 Raritan St	Sayreville	NJ
ENERGY PEOPLE Main Main Branch	39 Wicklow Dr	Tabernacle	NJ
GARDEN STATE Main Office Main Office Branch	144 W ROUTE 38	MOORESTOWN	NJ
EDIFI Willingboro Willingboro Branch	690 Beverly Rancocas Road	Willingboro	NJ
1166 Research-1166 Fcu Research-1166 Fcu Branch	600 Billingsport Rd	Paulsboro	NJ
FORT BILLINGS Fort Billings Federal Credit Union Fort Billings Federal Credit Union Branch	962 BILLINGSPORT RD	GIBBSTOWN	NJ
MEMBERS 1ST OF NJ Bridgeton Office Bridgeton Office Branch	654 Shiloh Pike	Bridgeton	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 Teachers' Fcu Mercer County Nj Teachers' Fcu Branch	2271 Highway 33 Ste 108	Hamilton Square	NJ
FIRST FINANCIAL Administrative Office Administrative Office Branch	391 US Highway 9	Freehold	NJ
MEMBERS 1ST OF NJ Bridgeton Office Bridgeton Office Branch	654 Shiloh Pike	Bridgeton	NJ
GREATER ALLIANCE Corporate Office Corporate Office Branch	40 W Century Rd	Paramus	NJ
HAMILTON HORIZONS Hamilton Horizons Fcu Hamilton Horizons Fcu Branch	3535 Quakerbridge Rd Ste 600	Hamilton	NJ
DEEPWATER INDUSTRIES Deepwater Headquarters Deepwater Headquarters Branch	565 North Broadway	Deepwater	NJ
POLISH & SLAVIC Union Branch Union Branch	667 Chestnut St	Union	NJ
NORTH JERSEY Totowa Branch Totowa Branch	711 Union Blvd	Totowa	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
RIEGEL Riegel Federal Credit Union Riegel Federal Credit Union Branch	515 Milford Warren Glen Rd	Milford	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.