Membership Eligibility

It’s easy to become a member of NJFCU.
You’re more eligible than you think!

Become a member

At North Jersey FCU, you’re not a customer, you’re a member. Our products and services are designed specifically to meet your financial needs.

North Jersey Federal Credit Union Membership Eligibility

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.

North Jersey Federal Credit Union (NJFCU) is a not-for-profit organization that has existed to serve its members since 1936. Like banks, North Jersey Federal Credit Union accepts deposits, makes loans and provides a wide array of other financial services. But as member-owned cooperative institution, we provide a safe place to save and borrow at competitive rates. Get started. Membership is easy!

JOIN NJFCU & experience the difference of credit union membership.

The several benefits of being a credit union member, include:

Lower fees: Credit unions tend to have lower fees than banks.
Lower loan rates: Credit unions typically offer lower interest rates on loans.
Higher interest rates on savings: NJFCU gives back profits to members in the form of higher interest rates on savings accounts and CDs.
Personalized service: NJFCU provides more personalized service. We are here to serve you.
Financial education: NJFCU offers financial wellness education and counseling to help members understand complex financial matters and continuously improve their economic standing.
Community focus: We are member-focused and have members with similar interests. They live in the same area or work together.
Insured deposits: NJFCU deposits are insured.
Voting rights: Members have voting rights.

Join Today

Eligible Townships

Bergen County

Allendale

Alpine

Bergenfield

Bogota

Carlstadt

Cliffside Park

Closter

Cresskill

Demarest

Dumont

East Rutherford

Edgewater

Elmwood Park

Emerson

Englewood

Englewood Cliffs

Fair Lawn

Fairview

Fort Lee

Franklin Lakes

Garfield

Glen Rock

Hackensack

Harrington Park

Hasbrouck Heights

Haworth

Hillsdale

Ho Ho Kus

Leonia

Little Ferry

Lodi

Lyndhurst

Mahwah

Maywood

Midland Park

Montvale

Moonachie

New Milford

North Arlington

Northvale

Norwood

Oakland

Old Tappan

Oradell

Palisades Park

Paramus

Park Ridge

Ramsey

Ridgefield

Ridgefield Park

Ridgewood

River Edge

River Vale

Rochelle Park

Rockleigh

Rutherford

Saddle Brook

Saddle River

South Hackensack

Teaneck

Tenafly

Teterboro

Upper Saddle River

Waldwick

Wallington

Washington Township

Westwood

Woodcliff Lake

Wood-Ridge

Wyckoff

Essex County

Belleville

Bloomfield

Caldwell

Cedar Grove

East Orange

Essex Fells

Fairfield

Glen Ridge

Irvington

Livingston

Maplewood

Millburn

Montclair

Newark

North Caldwell

Nutley

City Of Orange

Roseland

South Orange Village

Verona

West Caldwell

West Orange

Hudson County

Bayonne

East Newark

Guttenberg

Harrison

Hoboken

Jersey City

Kearny

North Bergen

Secaucus

Union City

Weehawken

West New York

Passaic County

Bloomingdale

Clifton

Haledon

Hawthorne

Little Falls

North Haledon

Passaic

Paterson

Pompton Lakes

Prospect Park

Ringwood

Totowa

Wanaque

Wayne

West Milford

Woodland Park

Morris County

Denville

Dover

Florham Park

Hanover

Morris

Morristown

Rockaway Borough

Rockaway Township

Union County

Elizabeth

Linden

Roselle

NJFCU

Fewer Fees, Better Rates
Not-for-Profit
Member-Owned
NCUA Insured ($250K)
Community-Focused

Bank

More Fees, Worse Rates
For-Profit
Shareholder-Owned
FDIC Insured ($250K)
Revenue-Focused

North Jersey Federal Credit Union Membership is open to any who:

Lives
Works
Worships
Attends School
Immediate family members includes spouse, parent, stepparent, child, stepchild, sibling, stepsibling, grandchild, grandparent, or great grandparent.

(Serving: Passaic, Bergen Counties and the underserved areas of Essex or Union Counties, or the City of Newark)

Not a Member yet?