Enroll |  Password Reset
Regular Term
Share Certificates
(18-months)
As high as
4.00% APY*
New & Used
Auto Loans
As low as
4.50% & 5.25%APR**
MasterCardâ„¢
Classic Credit Card
As low as
16.24% APR**
Personal Loans
As low as
11.99% APR**
* APY = Annual Percentage Yield
** APR = Annual Percentage Rate
Stay Informed!
We frequently announce money-saving promotional rates and provide financial tips which help you become increasingly prosperous. Fill out this form for updates.
Keep In Touch
Keep In Touch
Personal Loan
Personal loans can help with your immediate financial needs. With interest rates starting as low as 12.24% APR, NJFCU aims to take the financial stress out of the expected and unexpected expenses which arise in our lives. Our loan offers benefits such as terms of up to 60 months and affordable monthly payments. When you need help right away, NJFCU is here for you!
 Apply now!
Become a Member Today!
Enjoy the many benefits of membership, starting with low-interest loan rates, and all of the benefits of banking, but better.
Are you Eligible for Membership?
Persons who live, work, regularly conduct business in, worship, or attend school in, including businesses and other legal entities located in Bergen County, Essex County, Hudson County, Passaic County, or the following municipalities in Morris County: Denville, Dover, Florham Park, Hanover, Morris, Morristown Town, Rockaway Borough, Rockaway Township, or the following municipalities in Union County: Elizabeth, Linden, and Roselle.
NOTICE TO MAKE NOMINATIONS BY PETITION FOR VACANCIES ON THE BOARD OF DIRECTORS OF THE NORTH JERSEY FEDERAL CREDIT UNION
Notice is hereby given to all members eligible to vote in the 2025 Annual Election of the Board of Directors that nomination by petition is now open for all qualified members who want to submit their candidacy to the Nominations Committee
Petitions must be signed by at least 1% of the membership with a minimum of 20 and a maximum of 500 signatures. Each nominee must submit a statement of qualifications and biographical data with the petition.
Petitions must be submitted to the Secretary of the NJFCU by the closing date and must include a signed statement saying that the petitioner is agreeable to the nomination and will serve if elected to office.
Petition forms may be requested from the Secretary of the Credit Union, Maggie Caceres, via email [email protected] or in person at 711 Union Blvd, Totowa, NJ 07512. Closing date to submit nominations by petition is April 18, 2025.
Yvonne Hellwig
Chairwoman, Nominations Committee
North Jersey Federal Credit Union
Bill Pay
Never miss another payment. Allow your recurring bills to be paid on time with Bill Pay. You have the option to enable automatic payments, manage all payees, and view your payment history with a click of a button. Now available on your Online and Mobile Banking Dashboard!
Need Help with Your Credit Score? Credit-building Loans
Bad credit scores aren’t the end of the world. Our Credit-building loans help you jump start your score with easy, manageable loans that will help you re-establish trust with the Credit Card companies. A good credit score opens up your world with lower rates on credit cards, auto loans, home equity loans and more…
Latest News & Info at NJFCU
Turn your Swiping, Into Savings!
Pay no annual fee and take advantage of our low rates and no over limit fees with select North Jersey FCU MasterCard credit cards.
Download the NJFCU Mobile App!
Take Your Online Banking to go and access your accoutns at your own leisure. Access TAP, NJFCU Products and Services, and more right in the palm of your hand!
Incredible Mortgage Rates!
Take advantage and make that dream home a reality. The housing market is booming and it’s the right time to purchase a home. Reach out to us at NJFCU to start the ball rolling toward that new home you’ve always dreamed of.
Beware
of Fraud!
Watch the video below for more information to protect yourself against fraud.
- We will NEVER call/text/email asking you to provide your personal or banking information over the phone.
- We will NEVER call/text/email asking for your online banking login information over the phone.
- DO NOT give out one-time passcodes unless you call us.
- If you get a call from someone claiming to be from the Credit Union & they seem suspicious, hang up, & call us directly.