What are the current interest rates at North Jersey Federal Credit Union?

Current rates for North Jersey Federal Credit Union include: 12-Month CD: 0.20%, 18-Month CD: 0.20%, 24-Month CD: 0.30%, 60-Month CD: 0.50%

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North Jersey Federal Credit Union

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North Jersey Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Jersey Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

North Jersey Federal Credit Union's top rates as of October 12, 2026 are 3.25% APY on its 18 Month CD, personal loans from 12.24% APR, and credit cards from 14.74% APR, according to rates verified by MonitorBankRates. Other North Jersey Federal Credit Union CD rates include 48 Month CD at 2.78%, 60 Month CD at 2.17%, and 36 Month CD at 1.92%. MonitorBankRates evaluates the financial stability of North Jersey Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.55%. Rates last updated and verified on 10/12/2026.

North Jersey Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at North Jersey Federal Credit Union? Share your experience about North Jersey Federal Credit Union by leaving a review below, or read customer reviews before you decide to use North Jersey Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.55%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

North Jersey Federal Credit Union
Totowa Branch

711 Union Blvd
Totowa, NJ 07512-2207

https://njfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

North Jersey Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month Certificate	3.20%	3.25%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.20% → 3.25% ▲ 3.05 pts · high 3.25% / low 0.20% Oct 12, 20263.25%▲ from 0.20% Sep 25, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
48 Month Certificate	2.75%	2.78%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
60 Month Certificate	2.15%	2.17%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
36 Month Certificate	1.90%	1.92%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.35% → 1.92% ▲ 1.57 pts · high 1.92% / low 0.35% Oct 12, 20261.92%▲ from 0.35% Sep 25, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
24 Month Certificate	1.75%	1.76%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.30% → 1.76% ▲ 1.46 pts · high 1.76% / low 0.30% Oct 12, 20261.76%▲ from 0.30% Sep 25, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Regular Term Share Certificates - 12 month	1.35%	1.36%	12 Months
Min Deposit $500 Min Balance $500 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.36% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
IRA 60 Month Term Share Certificate	0.50%	0.50%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
IRA 36 Month Term Share Certificate	0.35%	0.35%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
IRA 24 Month Term Share Certificate	0.30%	0.30%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
IRA 30 Month Term Share Certificate	0.30%	0.30%	30 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
IRA 12 Month Term Share Certificate	0.20%	0.20%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
IRA 18 Month Term Share Certificate	0.20%	0.20%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
IRA 6 Month Term Share Certificate	0.10%	0.10%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Regular Term Share Certificates - 6 month	0.10%	0.10%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Regular Term Share Certificates - 3 month	0.05%	0.05%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Credited: Monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%

North Jersey Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Lines of Credit	-	-	7.25%	8 year
Details Term: 8 year draw period, 15 year repayment period; As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%

North Jersey Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.50%	12 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
New Auto Loan	-	-	5.50%	24 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
New Auto Loan	-	-	5.50%	36 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
New Auto Loan	-	-	5.50%	48 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
New Auto Loan	-	-	5.50%	60 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Used Auto Loan	-	-	6.00%	12 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Used Auto Loan	-	-	6.00%	24 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Used Auto Loan	-	-	6.00%	36 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Used Auto Loan	-	-	6.00%	48 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Used Auto Loan	-	-	6.00%	60 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
New Auto Loan	-	-	7.10%	72 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.10% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
New Auto Loan	-	-	7.35%	84 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.35% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%

North Jersey Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
MasterCardTM Classic Credit Card	-	14.74%
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 14.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%

North Jersey Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loan	12.24%	12 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Unsecured Personal Loan	12.24%	24 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Unsecured Personal Loan	12.24%	36 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Unsecured Personal Loan	12.49%	60 month
Details Rates may vary depending on credit, loan amount, and loan term. A document preparation fee of $99.00 applies. If you borrow the maximum amount of $15,000 at 12.24% for a 60 month term, your minimum monthly payment would be $333.65. This rate includes a .25% deduction if using direct deposit of at least $250 into an NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR. Fees Apply. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Unsecured Personal Loan	12.49%	48 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%
Unsecured Personal Loan	12.49%	60 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.55%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

North Jersey Federal Credit Union’s Texas Ratio fell from 8.29% in Q3 2023 to 4.55% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$256M	4.55%	5.0	A+
March 31, 2026	$257M	4.02%	5.0	A+
December 31, 2025	$253M	6.12%	5.0	A
September 30, 2025	$248M	3.92%	5.0	A+
June 30, 2025	$232M	4.32%	5.0	A+
March 31, 2025	$234M	6.17%	5.0	A
December 31, 2024	$233M	6.78%	5.0	A
September 30, 2024	$229M	6.37%	5.0	A
June 30, 2024	$236M	5.81%	5.0	A+
March 31, 2024	$237M	7.99%	5.0	A
December 31, 2023	$233M	8.81%	5.0	A
September 30, 2023	$235M	8.29%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for North Jersey Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather North Jersey Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with North Jersey Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name North Jersey Federal Credit Union

Website https://njfcu.org

Address 711 Union Blvd, Totowa, NJ 07512-2207

Phone 973-785-9200

Fax 973-785-3264

President Yvonne Hellwig

CEO Richard Garcia

Full-Time Employees 67

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.55%

Return on Assets (ROA)

0.2889%

Return on Equity (ROE)

2.7399%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

255,579,639

Total Amount of Shares and Deposits

234,618,918

Total Shares and Deposits < 1 Year

229,319,834

Total Shares and Deposits 1 3 Years

4,546,568

Total Shares and Deposits > 3 Years

752,516

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

9,582,841

Total Uninsured Shares and Deposits > $250K (F+J)

9,833,375

Total Insured Shares and Deposits > $250K (item 17 less item K)

224,785,543

Total Interest Expense (Sum of items 6 8)

460,783

Share Certificates

1,027

Number of Accounts for Share Drafts

11,672

IRA KEOGH Accounts

197

Number of Accounts for Regular Shares

31,979

All other shares

766

Non Member Deposits

Money Market Shares

726

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

15,908,616

Total Liabilities

235,215,145

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

North Jersey Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About North Jersey Federal Credit Union

How many branches does North Jersey Federal Credit Union operate?

North Jersey Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join North Jersey Federal Credit Union?

Yes, to access services at North Jersey Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, North Jersey Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Jersey Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does North Jersey Federal Credit Union offer online and mobile banking?

Most modern institutions like North Jersey Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://njfcu.org.