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

Current rates for Central Jersey Federal Credit Union include: 12-Month CD: 1.00%, 24-Month CD: 1.25%, 60-Month CD: 2.00%, Savings: 0.25%, MMA: 2.00%

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Central Jersey Federal Credit Union

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Central 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, Central 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

Central Jersey Federal Credit Union's top rates as of October 12, 2026 are 2.00% APY on its 60 month CD, 0.25% APY on savings, 2.00% APY on money market accounts, personal loans from 8.00% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Central Jersey Federal Credit Union CD rates include 48 month CD at 1.75%, 36 month CD at 1.50%, and 24 month CD at 1.25%. MonitorBankRates evaluates the financial stability of Central Jersey Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.22%. Rates last updated and verified on 10/12/2026.

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

4.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Jersey Federal Credit Union
MAIN ST

34 Main Street
Woodbridge, NJ 07095

https://www.cjfcu.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.

Central Jersey Federal Credit Union CD Rates

Product	Rate	APY	Term
60 month Share Certificate	2.00%	2.00%	60 Months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
48 month Share Certificate	1.75%	1.75%	48 Months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
36 month Share Certificate	1.50%	1.50%	36 Months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
24 month Share Certificate	1.25%	1.25%	24 Months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12 month Share Certificate	1.00%	1.00%	12 Months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Central Jersey Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.25%	0.25%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Savings	0.25%	0.25%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Holiday Club	0.10%	0.10%
Min Balance $100 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: 4.22%
Vacation Club	0.10%	0.10%
Min Balance $100 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: 4.22%

Central Jersey Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	2.00%	2.00%
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Central Jersey Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loan	-	-	5.00%	up to 84 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Central Jersey Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	9.99%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Central Jersey Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	8.00%
Details Published APR range: 8.00% - 16.00%. Maximum loan amount is $10,000.00, minimum loan amount is $500.00. Repayment does not consist of a fixed monthly payment but is based on a monthly payment of 3.00% of the outstanding balance with a minimum payment of $50.00. Payment may vary depending upon your credit history, loan amount and other factors. Rate is fixed. Rate and terms are subject to change without notice. Line accounts are subject to approval, and must have an open CJFCU account in good standing. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Personal Loan	8.00%	up to 60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Personal LOC Loan	9.00%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

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

Central Jersey Federal Credit Union’s Texas Ratio fell from 4.79% in Q3 2023 to 4.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$93M	4.22%	5.0	A+
March 31, 2026	$94M	3.16%	5.0	A+
December 31, 2025	$93M	3.06%	5.0	A+
September 30, 2025	$91M	5.26%	5.0	A+
June 30, 2025	$96M	3.52%	5.0	A+
March 31, 2025	$96M	2.32%	5.0	A+
December 31, 2024	$93M	2.90%	5.0	A+
September 30, 2024	$91M	3.55%	5.0	A+
June 30, 2024	$97M	3.45%	5.0	A+
March 31, 2024	$98M	3.53%	5.0	A+
December 31, 2023	$99M	4.85%	5.0	A+
September 30, 2023	$99M	4.79%	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 Central 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 Central 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 Central Jersey Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Jersey Federal Credit Union

Website https://www.cjfcu.org

Address 34 Main Street, Woodbridge, NJ 07095

Phone 732-634-0600

Fax

President Marilyn Krulewicz

CEO Michael Reilly

Full-Time Employees 14

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

4.22%

Return on Assets (ROA)

0.3299%

Return on Equity (ROE)

3.1171%

Non-Performing Loans Ratio (NPL)

0.98%

Total Assets

93,235,242

Total Amount of Shares and Deposits

82,167,569

Total Shares and Deposits < 1 Year

81,993,205

Total Shares and Deposits 1 3 Years

144,390

Total Shares and Deposits > 3 Years

29,976

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

1,736,806

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

1,736,806

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

80,430,763

Total Interest Expense (Sum of items 6 8)

222,392

Share Certificates

Number of Accounts for Share Drafts

3,249

IRA KEOGH Accounts

128

Number of Accounts for Regular Shares

7,570

All other shares

Money Market Shares

393

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)

9,032,357

Total Liabilities

83,367,149

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Central 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About Central Jersey Federal Credit Union

How many branches does Central Jersey Federal Credit Union operate?

Central 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 Central Jersey Federal Credit Union?

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

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

Most modern institutions like Central 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://www.cjfcu.org.