Credit union · NCUA insured
North Jersey Federal Credit Union Credit Card Rates
North Jersey Federal Credit Union credit cards start at 14.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How North Jersey Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where North Jersey Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
North Jersey Federal Credit Union
14.99%APR
- Up to
- 18.25% APR
MasterCard Classic Card
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
North Jersey Federal Credit Union credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR14.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Jersey Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
MasterCard Classic Card
Membership eligibility required. APR varies with the market based on the Prime Rate. Rate determined by creditworthiness at account opening.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.74%–18.00% | None | Variable rate for purchases depending on creditworthiness at account opening. Credit line from $500 to $10,000. |
Sources (2)
All captured Oct 7, 2026
MasterCard Liberty Card
Membership eligibility required. APR varies with the market based on the Prime Rate. Designed to build and rebuild credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.74% | $33 | Rate for purchases. Credit line from $250 to $5,000. Annual fee is $33. |
Sources (2)
All captured Oct 7, 2026
MasterCard Platinum Rewards Card
Membership eligibility required. APR varies with the market based on the Prime Rate. Rate determined by creditworthiness at account opening. Earns reward points for spending.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.74%–18.00% | None | Variable rate for purchases depending on creditworthiness at account opening. Credit line from $2,500 to $15,000. |
Sources (2)
All captured Oct 7, 2026
Who can join North Jersey Federal Credit Union
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.
Membership information collected October 5, 2026.