What are the current interest rates at NJ Gateway Federal Credit Union?

Current rates for NJ Gateway Federal Credit Union include: 12-Month CD: 0.05%, 24-Month CD: 0.10%, 60-Month CD: 0.25%, MMA: 0.05%

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NJ Gateway Federal Credit Union

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NJ Gateway Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, NJ Gateway 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 9, 2026

NJ Gateway Federal Credit Union's top rates as of October 9, 2026 are 0.25% APY on its 60 Month CD, 0.05% APY on money market accounts, and 0.01% APY on checking, according to rates verified by MonitorBankRates. Other NJ Gateway Federal Credit Union CD rates include 48 Month CD at 0.20%, 36 Month CD at 0.15%, and 24 Month CD at 0.10%. MonitorBankRates evaluates the financial stability of NJ Gateway Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 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

0.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

NJ Gateway Federal Credit Union
Main Branch

100 Culver Rd
Monmouth Junction, NJ 08852

https://www.njgateway.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.

NJ Gateway Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	0.25%	0.25%	60 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
48 Month Certificate	0.20%	0.20%	48 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
36 Month Certificate	0.15%	0.15%	36 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
24 Month Certificate	0.10%	0.10%	24 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
12 Month Certificate	0.05%	0.05%	12 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
3 Month Certificate	0.05%	0.05%	3 months
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
6 Month Certificate	0.05%	0.05%	6 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

NJ Gateway Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.01%	0.01%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Vacation Club	0.01%	0.01%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

NJ Gateway Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000.00 plus Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Money Market	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Money Market	0.05%	0.05%
Min Balance $0 Details Balance: up to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

NJ Gateway Federal Credit Union Checking Rates

Product	Rate	APY	View More
Premier Checking	0.01%	0.01%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

NJ Gateway Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA variable rate shares	0.01%	-	0.01%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Regular Shares	0.01%	-	0.01%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Youth Account	0.01%	-	0.01%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

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

NJ Gateway Federal Credit Union’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.02% 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	$28M	0.02%	5.0	A+
March 31, 2026	$28M	0.00%	5.0	A+
December 31, 2025	$28M	0.00%	5.0	A+
September 30, 2025	$28M	0.00%	5.0	A+
June 30, 2025	$28M	0.00%	5.0	A+
March 31, 2025	$28M	0.00%	5.0	A+
December 31, 2024	$28M	0.00%	5.0	A+
September 30, 2024	$28M	0.48%	5.0	A+
June 30, 2024	$28M	0.00%	5.0	A+
March 31, 2024	$29M	0.08%	5.0	A+
December 31, 2023	$29M	0.11%	5.0	A+
September 30, 2023	$29M	0.00%	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 NJ Gateway 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 NJ Gateway 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 NJ Gateway Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NJ Gateway Federal Credit Union

Website https://www.njgateway.org

Address 100 Culver Rd, Monmouth Junction, NJ 08852

Phone 732-329-3838

Fax 732-329-8624

President Peter Manfredo

CEO Alka Patel

Full-Time Employees 4

Part-Time Employees 2

Branch Locations 1

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

0.02%

Return on Assets (ROA)

0.3074%

Return on Equity (ROE)

3.0744%

Non-Performing Loans Ratio (NPL)

0.01%

Total Assets

27,723,559

Total Amount of Shares and Deposits

24,778,000

Total Shares and Deposits < 1 Year

24,498,096

Total Shares and Deposits 1 3 Years

273,302

Total Shares and Deposits > 3 Years

6,602

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

937,320

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

937,320

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

23,840,680

Total Interest Expense (Sum of items 6 8)

52,259

Share Certificates

Number of Accounts for Share Drafts

890

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,497

All other shares

Money Market Shares

138

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)

694,473

Total Liabilities

24,951,400

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

NJ Gateway 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.

Customer Reviews

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Frequently Asked Questions About NJ Gateway Federal Credit Union

How many branches does NJ Gateway Federal Credit Union operate?

NJ Gateway 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 NJ Gateway Federal Credit Union?

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

Does NJ Gateway Federal Credit Union offer online and mobile banking?

Most modern institutions like NJ Gateway 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.njgateway.org.