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Share Savings

Saving is simple. Quick & Easy, Get Started Today!

Reach your financial goals with North Jersey FCU!

Low Minimum Balance, We make it easy

Reach your financial goals with North Jersey FCU!

With a Share Savings Account, you become an owner of the Credit Union because we are a not-for-profit financial cooperative.


  • A low minimum daily balance of only $5.00 required*
  • Competitive dividend rates
  • Low minimum balance required
  • Easy access to your accounts through NJFCU Online and Mobile services
  • Low minimum daily balance of only $5.00 required*
  • Convenience of direct deposit or payroll deduction
  • Use your share savings as protection from overdrafts in your NJFCU checking account.
*If At Any Time Your Account Falls Below $5.00 (Par Value) Your Account Will Be Subject To A $5.00 Fee Per Quarter. A Balance Of Less Than $5.00 Without Activity In Account For The Prior 12 Months Will Cause A Dormancy Fee Of $10.00 Per Month. There Is A $3 Fee For Overdraft Protection And A Maximum Of 6 Electronic Debits, Including Overdraft Transfers, Are Allowed Per Month.

Secure your financial future

NJFCU has the solution to meet your financial needs such as savings for your first home or if you are looking to put your kids on the right path. Since 1936, we have been here to help our members secure their financial future.

Link extra security to your Savings account

A Share savings account links to another NJFCU Savings account; maybe a significant other, parent, sibling, or child. Here both member savings can contribute to the Share savings account.

Youth Club Account

In order to apply online

  • Be in good member standing
  • You (or your joint account holder) must not have any outstanding account restrictions
  • You (or your joint account holder) must not be past due on any other loan product

Additional Savings Products

Careers at NJFCU

Money Market Account

A great way to earn higher interest while avoiding early-withdrawal penalties.

Community at NJFCU

Share Certificates

North Jersey FCU is and always have been committed to strengthening the quality of life for our members, friends, families, and neighbors in the New Jersey community.

NJFCU Partners

Vacation & Holiday Club Account

Whether you’re saving for a special vacation or just planning ahead for holiday expenses, the North Jersey FCU Club accounts can help you reach your goals-by planning ahead.

Member Discounts at NJFCU

Member Discounts

Being a Member has it’s perks! Take advantage of exclusive North Jersey FCU member discounts and great offers.