North Jersey Federal Credit Union
Headquarters
711 Union Blvd.
Totowa, NJ 07512
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2024 Overview
General Credit Union Information
North Jersey is an NCUA insured institution located in Totowa, NJ. It was founded in 1936 and has approximately $235.8 millions in assets.
Who can join?
You are eligible for membership if you live, work, worship, attend school or regularly conduct business in Passaic or Bergen Counties or the undeserved areas of Essex or Union Counties or the City of Newark.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 1015 |
| Date Established | 1936 |
| Assets | $235.80 million |
| Loans | $149.50 million |
| Deposits | $220.57 million |
| Capital | $24.93 million |
Field of Membership Restrictions
Membership is open to those who work, live, worship, attend school or regularly conduct business in Bergen, Essex, Hudson, Middlesex, Morris, Passaic or Union Counties in the state of New Jersey.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.01% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for North Jersey
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to North Jersey
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Branches
Below are North Jersey branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
North Jersey Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 469.15 | A | View Lobby Hours | |
| 470.06 | B | View Lobby Hours | |
| 472.41 | C | View Lobby Hours |
Climate Policy and Initiatives
NORTH JERSEY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
North Jersey Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of North Jersey. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| North Jersey | U.S. Average |
|---|---|
| 2.20% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, North Jersey had $490,364 in non-current loans and $91,200 in owned assets. To cover these potential losses it had $24,929,779 in net worth and $1,508,823 in loans loss reserves. That gives it a Texas Ratio of 2.20%.
Net Worth
| North Jersey | U.S. Average |
|---|---|
| 10.53% | 13.93% |
North Jersey FCU has a net worth of 10.53% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for North Jersey
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