NCUA Insured
Member-Owned
1 charter
Established in 1949
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1949
Low-Income Designated
Minority Depository Institution (MDI)
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Jersey City and serves members in the NJ area. Currently serving 2,172 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
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.
Lowest rates currently reported by credit unions in NJ (NCUA Q4 2025).
Vineland, NJ
Manville, NJ
Linden, NJ
Englewood Cliff, NJ
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.8
24 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Mapskeith 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
6 months ago
Friendly staff and very efficient.
Xiomara Torres
9 months ago
The personal are very friendly and helpful.
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
2 years ago
They are the most helpful and friendly group of people, love them and I miss Hector as well🕊️
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(201) 420-1026Website
Visit WebsiteMembers
2,172
Total Assets
$7.1M
Year Opened
1949
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile