Credit union · NCUA insured
NJ Gateway FCU
A $28M credit union headquartered in Monmouth Junction, NJ, with 2,368 members and 1 branch in New Jersey. Best rates: CDs 0.25% and savings 0.05% APY.
NJ Gateway FCU Carrot Score
60
Carrot Score
Higher than 0% of U.S. banks and credit unions
#159 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NJ Gateway FCU
Originally chartered in 1969 as Dayton NJ IBM Employees Federal Credit Union, NJ Gateway Federal Credit Union is a member-owned financial institution.
Eligibility to join includes anyone who lives, works, attends school, or worships in Middlesex County, as well as participating employer groups, individuals, and family members.
- Headquarters
- 100 Culver Rd, Monmouth Junction, NJ 08852
- NCUA charter
- 19454
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school or worships in Middlesex County is eligible to join.
Employers and groups
- Employees of served Employer Groups are eligible to join.
Family and household
- Family members / individuals related to a present member are eligible to join.
Branches
1 branch in New Jersey
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New Jersey
1 branch
- Main BranchMain office100 Culver Rd, Monmouth Junction, NJ 08852Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.00% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.01% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $17 | $59 | — |
- CapitalNet worth ratio10.00%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.01%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$17Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of NJ Gateway FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.