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Apply for a Loan

We offer a wide variety of low-cost loans that are designed to meet your individual needs, with competitive rates and flexible re-payment terms. With our new Docusign technology you can close your  loan from any computer.

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Home Loans

Are you looking to purchase your first home or refinance a current mortgage?  We offer many competitive products to fit your personal and financial needs including fixed-rate mortgages, adjustable rate and interest only mortgages.

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News/Alerts

Memorial Day Hours of Operation

North Jersey Federal Credit Union will be closed on Monday, May, 30, 2016 in recognition of Memorial Day. The Totowa, Paterson and Newark branches will resume regular hours on Tuesday, May 31, 2016. Garfield will resume regular hours on Wednesday, June 1, 2016.

If you are logging onto Online Banking on a different computer than you have been recently using, you may be asked to answer your security questions. This is an enhanced security feature to confirm your identity for your protection.  For more information about Online Banking please click here.

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Our goal is to enable our members to have financial freedom and to empower our communities to reach their goals.

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Rates at a Glance

Rates as low as
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New Vehicle Loan
up to 72 mos
2.99% APR
Unsecured Personal Loan
up to 60 mos
12.24% APR
Used Vehicle Loan
up to 72 mos
2.99% APR

Join NJFCU and Switch

Tired of the costs of banking elsewhere, but think it’s too difficult to make the change? The North Jersey Federal Credit Union Switch Kit is just for you. In just five easy steps, you can be on your way to enjoying all the benefits of North Jersey Federal Credit Union membership.

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Who is Eligible?

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

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NJFCU Affiliates

North Jersey Federal Credit Union offers affiliate services and allows you to take advantage of all the unique benefits that NJFCU membership has to offer.

NJFCU Affiliates