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Nova UA Federal Credit Union

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Nova UA Federal Credit Union Rates & Review May 2026

Q: Is a member application needed to join Nova UA Federal Credit Union?

Yes, to access services at Nova UA 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nova UA 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: May 7, 2026

Nova UA Federal Credit Union's 3 Month CD Special rates are at 4.12%. Nova UA Federal Credit Union's 30 Year Fixed Mortgage Loan rates are at 6.50%. MonitorBankRates evaluates the financial stability of Nova UA Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.88%. Rates were last updated on 05/07/2026.

Nova UA 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 Nova UA Federal Credit Union? Share your experience about Nova UA Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Nova UA Federal Credit Union.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.88%

Excellent Lower than avg

Nova UA Federal Credit Union
Clifton Office

851 Allwood Rd
Clifton, NJ 07012

https://www.novafcu.com

Nova UA Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
3 Month Share Certificate Special	4.05%	4.13%	3 Month
No additional details. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%

Nova UA Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
30 Year Fixed Mortgage Loan	6.50%	-	6.50%	30 Year
No additional details. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%

Nova UA Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
NOVA Visa Credit Card	-	9.90%
Details No Balance Transfer Fee; Rewards Program; No Annual Fee Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.88%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Nova UA 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 Nova UA 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 Nova UA Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Nova UA Federal Credit Union

Website https://www.novafcu.com

Address 851 Allwood Rd, Clifton, NJ 07012

Phone 973-471-0700

Fax 973-471-4506

President George Oliarnyk

CEO Val Bogattchouk

Full-Time Employees 14

Part-Time Employees 2

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.88%

Return on Assets (ROA)

0.2680%

Return on Equity (ROE)

1.8942%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

150,270,122

Total Amount of Shares and Deposits

129,016,860

Total Shares and Deposits < 1 Year

128,137,837

Total Shares and Deposits 1 3 Years

586,270

Total Shares and Deposits > 3 Years

292,753

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

20,672,443

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

20,672,443

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

108,344,417

Total Interest Expense (Sum of items 6 8)

2,189,252

Share Certificates

1,009

Number of Accounts for Share Drafts

1,879

IRA KEOGH Accounts

488

Number of Accounts for Regular Shares

3,744

All other shares

192

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

402,753

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,608,861

Total Liabilities

129,337,501

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Nova UA Federal Credit Union earned the Exceptional Health badge

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

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Nova UA Federal Credit Union

How many branches does Nova UA Federal Credit Union operate?

Nova UA 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 Nova UA Federal Credit Union?

Yes, to access services at Nova UA 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, Nova UA 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, Nova UA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Nova UA Federal Credit Union offer online and mobile banking?

Most modern institutions like Nova UA 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://www.novafcu.com.