Credit union · NCUA insured
North Jersey Federal Credit Union Savings Rates
North Jersey Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How North Jersey Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where North Jersey Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Jersey Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $10
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
North Jersey Federal Credit Union savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where North Jersey Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.10%APY
Membership eligibility applies. Requires maintaining membership share ($5.00 par value). Minimum average daily balance of $1,000.00 required to avoid a service fee. Limit of 6 transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Tiered rate applies to the full balance of the account once the balance range is met. Dividends compounded monthly and credited monthly based on average daily balance. | 0.10% | $10 | Tiered rate applies to the full balance of the account once the balance range is met. Dividends compounded monthly and credited monthly based on average daily balance. |
| $25,000 – $100,000Tiered rate applies to the full balance of the account once the balance range is met. Dividends compounded monthly and credited monthly based on average daily balance. | 0.15% | — | Tiered rate applies to the full balance of the account once the balance range is met. Dividends compounded monthly and credited monthly based on average daily balance. |
| $100,000 and upTiered rate applies to the full balance of the account once the balance range is met. Dividends compounded monthly and credited monthly based on average daily balance. | 0.20% | — | Tiered rate applies to the full balance of the account once the balance range is met. Dividends compounded monthly and credited monthly based on average daily balance. |
Sources (3)
- njfcu.org/banking · captured Sep 25, 2026
- njfcu.org/banking/money-market-account · captured Sep 25, 2026
- njfcu.org/wp-content/uploads/2…gs-Disclosure-5.1.26.pdf · captured Oct 8, 2026
Membership Share
0.01%APY
Par value of one share is $5.00 required to join and maintain membership. Account transfer and withdrawal limitations apply (maximum 6 electronic transfers/debits per month). Account subject to a $5.00 fee per quarter if balance falls below $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to avoid a service fee and earn the stated APY.$5 and up | 0.01% | $1 | Dividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to avoid a service fee and earn the stated APY. |
Sources (2)
- njfcu.org/banking/share-savings · captured Sep 25, 2026
- njfcu.org/wp-content/uploads/2…gs-Disclosure-5.1.26.pdf · captured Oct 8, 2026
Special Savings
0.01%APY
Special secondary savings account. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to earn the stated APY.$5 and up | 0.01% | $1 | Dividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to earn the stated APY. |
Sources (1)
- njfcu.org/wp-content/uploads/2…gs-Disclosure-5.1.26.pdf · captured Oct 8, 2026
Special-purpose accounts
IRA Money Market
0.10%APY
Individual Retirement Account money market share account. Membership eligibility applies. Requires maintaining membership share ($5.00 par value). Maximum contributions may vary; 10% penalty for withdrawals if under 59 1/2 years old or funds not rolled over within 60 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends compounded monthly and credited monthly based on average daily balance.$500 and up | 0.10% | $10 | Dividends compounded monthly and credited monthly based on average daily balance. |
Sources (1)
- njfcu.org/wp-content/uploads/2…gs-Disclosure-5.1.26.pdf · captured Oct 8, 2026
Holiday Club
0.01%APY
Entire balance is automatically transferred to Membership Share account on or after September 30th (first week of October). A fee applies for withdrawals outside the annual distribution, unless made within 7 days of account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to earn the stated APY.$5 and up | 0.01% | $1 | Dividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to earn the stated APY. |
Sources (2)
- njfcu.org/banking/vacation-holiday-club-accounts · captured Sep 25, 2026
- njfcu.org/wp-content/uploads/2…gs-Disclosure-5.1.26.pdf · captured Oct 8, 2026
IRA Savings
0.01%APY
Available as Traditional or Roth IRA savings account. A 10% penalty applies to early withdrawals if under age 59 1/2 unless funds are rolled over into another IRA plan within 60 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $500.00 required to earn the stated APY.$500 and up | 0.01% | $1 | Dividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $500.00 required to earn the stated APY. |
Sources (2)
- njfcu.org/banking/term-share-c…idual-retirement-account · captured Sep 25, 2026
- njfcu.org/wp-content/uploads/2…gs-Disclosure-5.1.26.pdf · captured Oct 8, 2026
Kids Kash Club
0.01%APY
Youth club savings account for children and young adults. Parent must be a joint signer. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to avoid a service fee and earn the stated APY.$5 and up | 0.01% | $1 | Dividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to avoid a service fee and earn the stated APY. |
Sources (2)
- njfcu.org/student-accounts-2 · captured Sep 25, 2026
- njfcu.org/wp-content/uploads/2…gs-Disclosure-5.1.26.pdf · captured Oct 8, 2026
Vacation Club
0.01%APY
Entire balance is automatically transferred to Membership Share account on or after June 30th (first week of July). A fee applies for withdrawals outside the annual distribution, unless made within 7 days of account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to earn the stated APY.$5 and up | 0.01% | $1 | Dividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $5.00 required to earn the stated APY. |
Sources (2)
- njfcu.org/banking/vacation-holiday-club-accounts · captured Sep 25, 2026
- njfcu.org/wp-content/uploads/2…gs-Disclosure-5.1.26.pdf · captured Oct 8, 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.