|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 North Jersey Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 23, 2026
North Jersey Federal Credit Union's Personal Loan Rates are as low as 12.24%. 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 4.02%. Rates last updated and verified on 09/23/2026. 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. North Jersey Federal Credit Union
Totowa Branch 711 Union Blvd
https://njfcu.org Totowa, NJ 07512-2207 
North Jersey Federal Credit Union Home Equity & HELOC
North Jersey Federal Credit Union Auto Loan Rates
North Jersey Federal Credit Union Personal Loan Rates
Financial Health HistoryNorth Jersey Federal Credit Union’s Texas Ratio fell from 12.04% in Q2 2023 to 4.02% in Q1 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
74
Part-Time Employees
0
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.02%
Return on Assets (ROA)
0.1952%
Return on Equity (ROE)
1.8760%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
256,718,645
Total Amount of Shares and Deposits
236,015,695
Total Shares and Deposits < 1 Year
227,685,795
Total Shares and Deposits 1 3 Years
7,685,172
Total Shares and Deposits > 3 Years
644,727
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,286,990
Total Uninsured Shares and Deposits > $250K (F+J)
9,543,857
Total Insured Shares and Deposits > $250K (item 17 less item K)
226,471,838
Total Interest Expense (Sum of items 6 8)
230,229
Share Certificates
1,032
Number of Accounts for Share Drafts
11,597
IRA KEOGH Accounts
218
Number of Accounts for Regular Shares
32,527
All other shares
769
Non Member Deposits
2
Money Market Shares
727
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)
19,135,411
Total Liabilities
236,481,779
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for North Jersey Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for North Jersey Federal Credit Union
Frequently Asked Questions About North Jersey Federal Credit UnionHow 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. Compare to Other Credit Unions
DuPage Credit Union
NEW CUMBERLAND
Skyone Federal Credit Union
Bellwether Community Credit Union
The Family First Federal Credit Union
M C T Federal Credit Union
Energy Capital Credit Union
Hockley County School Employees Credit Union
Spokane Firefighters Credit Union
Centris Federal Credit Union
Maine Family Federal Credit Union
Hope Federal Credit Union Jackson, MS
COLFAX POWER PLANT EMPLOYEES
HealthShare Credit Union
Norfolk Fire Department Federal Credit Union
CANANDAIGUA
Access Credit Union Bristol Pa Credit Union
Waterfront Federal Credit Union
The County Federal Credit Union
cPort Credit Union
Lynn Police Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
