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Ocnac #1

1082 summit ave, Jersey City, NJ 07307
NCUA Insured4.8 (24 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1949

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1082 summit ave

Jersey City, NJ 07307

Service Area

This credit union is located in Jersey City and serves members in the NJ area. Currently serving 2,172 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.50%

Used Auto Loan

7.50%

Personal Loan

18.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NJ

Lowest rates currently reported by credit unions in NJ (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.8

24 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
keith brown

keith brown

a year ago

I opened an account march, the first lady I talked tobwas very nice ,I asked bout the loan process ,I was given paper wrk yo have my money come out my check every payday, I go in aptil13th asked bout the loan, and the lady I talked to was different,it was 9am and she was the only one there ,she was very arrogant, I told her I opened an account an she was mean saying I don't see anything etc. . The first lady gave me the sheet with info bout opening an account an the loan process, anyway amonth an some days go by ,I get a call 2day frm the lady that was mean, she said my credit score was 600 which on the other two credit company's my score is ,617,and 631, she says that I don't make enough income frm her calculations? I explained tgat bas long as there's $50 in the account I wdnt have a problem with the loan .now as u see for a emergency loan, wit no credit checks I cd receive a loan of $5 000 gor 10month pay period,then there's a seasonal loans which is a credit check depending on ur score I set up a payroll deduction of $25 every pay period. She tells me I'm no eligible for anything,,she was very forward an aggressive, stating I'm the one who fies the loans,it's up yo my descrition!!?I'm very disappointed, I was treated like a peasant and I felt very disrespected. FRM THE BEGINNING DHE WAS SAYING I WASNT GONNA GET THE LOAN ,BUT SHE SAID SHE WD SEE WHT I WAS ELIGIBLE FOR? THEN 3DAY SHE SAYS THE SAME THING ,I HAVE YONSEE WHTBUR ELIGIBLE FIR,!MY QUESTION WHY WDNY SHE HAVE CHECK THAT AMONTH AN AHALF AGO.INTHOUGHT SHE WD DO WHTEVER IS POSSIBLE TO SEE IF I CD RECEIVE A LOAN? SHE DIDNT I ALREADY KNEW FRM LAST MINTHS INCOUNTER THAT I WD NOTBRECEIVE A LOAN, SHE CALLS ME AMINTH LATER TO SAY THIS TO ME.IM Asking is thereba supervisor I can speak to regarding the loan because I feel I was treated wrong, I understand that people have bad days but the lady is very negative, the energy she gives is negative,an arrogant.. please anyone that apply there for a loan ask to speak with a supervisor Nicholas antonicello, or the young lady that was very responsible and nice, pardon me for not remembering your name mamn..The last time I spoke to anyone was april15th. I WAS GIVIN A PHONE CALL 1DAY JUNE6TH SO AS U SEE NOBODY EEACHED OUT TO ME BOUT MY LOAN FOR OVER 2MONTHS AN SOME DAYS. , ASK TGAT A SUPERVISOR REACHS OUT TO ME ASSOON AS POSSIBLE.....IM SORRY FOR THE NICE RESPECTABLE PEOPLE THAT WRKS THERE, I DO UNDERSTAND NOT EVERYONE IS BAD... AND BY THR WAY MY CREDIT SCORE IS 614 NOT 600. WITH EXPERIAN...SMH

Marisol Santos

Marisol Santos

6 months ago

Friendly staff and very efficient.

Xiomara Torres

Xiomara Torres

9 months ago

The personal are very friendly and helpful.

Kelly Daniel

Kelly Daniel

7 years ago

They are very nice and welcoming...never any wait time....staff always ensure professionalism without hesitation.... I’m so blessed to be a member at OCNAC Federal credit union. Kelly Daniels

Monique Adams

Monique Adams

2 years ago

They are the most helpful and friendly group of people, love them and I miss Hector as well🕊️

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).