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Juntos Avanzamos


Juntos Avanzamos is the national designation for credit unions that are committed to serving and strengthening the Hispanic consumer. North Jersey Federal Credit Union is dedicated to being an immigrant-friendly institution that provides financial education and support with products and services relevant to the Hispanic immigrant community. This designation allows us to serve a large Hispanic population that currently can not bank at other financial institutions because they do not have traditional forms of identification and are often vulnerable to predatory financial service providers.

At North Jersey Federal, we truly believe in the value of providing access to affordable financial education and financial services to our low-income Hispanic membership, which is key to providing more opportunities and a better quality of life.

The designation of Juntos Avanzamos has been granted to 64 credit unions in the United States. North Jersey Federal Credit Union is the first New Jersey credit union to receive this important designation.

Visit your nearest North Jersey Federal branch today!

Together We Advance

What is Juntos Avanzamos (Together We Advance)?

Juntos Avanzamos (Together We Advance) is a designation for credit unions that are committed to serving and empowering the Hispanic consumer.

What does this mean?

This means that you will have the opportunity to open an NJFCU account even if you are not U.S. citizen. You will need other forms of ID that will allow you to bank with NJFCU.

What are the forms of IDs?

Individual Tax Identification Numbers (ITINs), ITIN cards, passports with a valid visa and/or Municipal ID cards.

Can I get an NJFCU loan or mortgage with an ITIN, even if I do not have a credit score?

Yes, you will have to bring monthly credit forms of payment history, such as utility bills or rent. You need to be in the country for 6 months for a non-mortgage loan. For a mortgage loan they you will have to have been in the United States for at least two years and be able to provide us with two years of tax returns.

Can I renew my ITIN at NJFCU?


Do you accept passports and visas?

Yes, we accept passports with valid visas.

Do you offer remittance services? I would like to send money home from check.


Is my money safe in the credit union or can it be confiscated if I am deported?

A seizure of funds can only be granted when the member has been held liable in a civil or criminal case and the judge awards or orders the member to pay the restitution. This can happen to any member and would be sent to us through the court order to place a hold and to seize those funds.