Credit union · NCUA insured
North Jersey Federal Credit Union
A $256.7M credit union headquartered in Totowa, NJ, with 27,820 members and 4 branches in New Jersey. Best rates: CDs 3.25% and savings 0.10% APY.
North Jersey Federal Credit Union Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#147 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 North Jersey Federal Credit Union
Founded in 1936, North Jersey Federal Credit Union is a member-owned financial cooperative headquartered in Totowa, New Jersey.
The credit union serves persons and entities across Bergen, Essex, Hudson, and Passaic counties, as well as select municipalities in Morris and Union counties.
- Headquarters
- 711 Union Blvd, Totowa, NJ 07512-2207
- NCUA charter
- 1015
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to persons who live, work, regularly conduct business in, worship, or attend school in, as well as businesses and other legal entities located in Bergen County, Essex County, Hudson County, Passaic County, or specified municipalities in Morris County (Denville, Dover, Florham Park, Hanover, Morris, Morristown Town, Rockaway Borough, Rockaway Township) and Union County (Elizabeth, Linden, Roselle).
Family and household
- Membership is open to immediate family members, including spouse, parent, stepparent, child, stepchild, sibling, stepsibling, grandchild, grandparent, or great grandparent.
Branches
4 branches in New Jersey
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New Jersey
4 branches
- Totowa BranchMain office711 Union Blvd, Totowa, NJ 07512Directions
- Elmwood Park444 Mola Blvd, Elmwood Park, NJ 07407Directions
- Newark186 W Market St, Newark, NJ 07103Directions
- Newark Norman Road Branch195 Norman Rd, Newark, NJ 07106Directions
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 | 10.53% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.89% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.58% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio10.53%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.89%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.58%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 North Jersey Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.