Attention Members


Attention Members:  We have been notified by authorities not to use ATMs located within QuickChek convenience stores. They have been compromised in various locations throughout NJ.

Attention Members:  Due to the inclement weather, all branches of North Jersey Federal Credit Union will be closed tomorrow, January 27, 2015.  For your convenience, 24-hour ATMs will be accessible for members at our Totowa and Paterson branches. Click here for other surcharge-free ATM alternatives available through our Co-Op Network. Please continue to check for further information.

Effective February 20, 2015, the new loan late fee will be 10% of the payment or $50, whichever is higher.


Effective February 1, 2015, North Jersey Federal Credit Union will be making the following changes to our fee schedules:

• Shared draft courtesy pay and Non-Sufficient Fund (NSF) fees will increase from $34 to $35
• NSF ACH fee will increase from $34 to $35
• If basic checking falls below $100 average balance, the new fee will be $7 
• Overdraft / transfer fee will be $3 

Certificate of Deposit (CD) early withdrawal penalties will change to:

• Terms of 30 days to 6 months - Penalty is 90 days of interest
• Terms of over 6 months to 18 months - Penalty is 180 days of interest
• Terms of 2 years - Penalty is 270 days of interest
• Terms of 3-5 years - Penalty is 365 days of interest


On Monday February 16, 2015, all branches of North Jersey Federal Credit Union will be closed in observance of President's Day as well as for an in-service day.  We will re-open Tuesday, February 17, 2015 for business at 9 am 


Effective February 1, 2015, North Jersey Federal’s branch located at St. James AME Church located at 588 Martin Luther King Blvd, Newark, NJ 07102 will be closing.  Please visit our other convenient Newark location at 30 Bergen Street or take advantage of shared branching and have access to 30,000 ATMs and more than 5,000 shared branches! To locate other shared branches, please click here.

Due to recent fraudulent activity in Brooklyn, NY, all point of sale debit card transaction will be blocked from use in Brooklyn, NY until further notice

Home Depot’s data breach:

 Due to a data breach, if you have used your NJFCU debit card at Home Depot, your card may have possibly been compromised.  We will be sending Members who's cards have been exposed new cards.  Please contact us with any questions. Home Depot is offering free identity  protection services including credit monitoring to any customer who has shopped at a Home Depot store. You can learn about the identity protection services and how to sign up for them at:

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Our Mission Statement

Our goal is to enable our members to have financial freedom and to empower our communities to reach their goals. We pledge to build and strengthen relationships with our members and employees by treating them with dignity and respect.

A Business Member in Your Community

North Jersey Federal Credit Union offers a comprehensive line of financial services and products to meet the needs of your business. If you own a business, you and your employees can take advantage of all the unique benefits that NJFCU has to offer.

Who is Eligible to Join NJFCU?

You are eligible for membership if you live, work, worship, attend school or regularly conduct business in Passaic, Bergen, Morris, Hudson Counties,the underserved areas of Essex or Union Counties or the City of Newark.

What is a Federal Credit Union

Credit Unions are member-owned cooperatives; in fact, that's why your savings are technically called "shares."

Unlike a for-profit bank, in which profits go back to a select group of stockholders, not-for-profit credit unions are organized to return all the profits to member-owners in the form of lower loan rates, higher savings rates, and lower fees.

Unlike a bank, in which the board of directors are often determined by who owns the most stock; every member of the credit union gets one vote for the board. The board of directors is made up of members such as yourself

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