NCUA Insured
Member-Owned
1 charter
Established in 1936
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Totowa, NJ may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1936
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Totowa and serves members in the NJ area. Currently serving 27,665 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
4.45%Used Auto Loan
5.50%Personal Loan
12.49%Credit Card APR
14.49%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.
4.1
255 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsGisela Torres
4 months ago
I had an excellent experience at North Jersey Federal Credit Union, specifically at the Totowa branch. The branch manager was truly outstanding—professional, knowledgeable, and exceptionally welcoming. Every team member at the facility was courteous and attentive, creating a positive and supportive environment from start to finish. All of my questions were answered thoroughly, and the account-opening process was seamless. I opened an account for myself and also assisted my son in opening his account, and the staff made the entire experience smooth and reassuring. I am very much looking forward to introducing North Jersey Federal Credit Union to our staff at my workplace, as I believe many of them would greatly benefit from opening accounts as well. This is truly a great place to bank, and I highly recommend their services.
L P
4 months ago
The credit union haves a great team, excellent management team. They were able to help me with my home equity loan. Everything was easy and transparent. Highly recommend this location.
Leonardo Manzano
4 months ago
Very disappointing experience with Teller 1020. I visited to make a cash withdrawal in the branch lobby and the teller’s tone was unprofessional and dismissive. When asked how I wanted the cash back, I requested a moment to make a quick call to confirm the breakdown, but was refused and rushed despite there being only one person behind me. When the transaction was completed, the cash was handed back in an inappropriate manner (tossed rather than properly passed through the window). Overall, the service was disrespectful and unacceptable. No customer should ever be treated this way. I expect better professionalism and customer care from this branch.
Ashona Smiley
8 months ago
I always have an exciting experience at the North Jersey Federal Credit Union. I have been banking with them for so many years they know be by face and name. The staff and I are always laughing and talking while providing me with the help and services I need at the time. Dashawn is always willing to help me at the Totowa Branch if he’s available to do so. The North Jersey Federal Credit Staff are the best.
Itztheheat4me
8 months ago
This Credit Union is one of a kind. I’ve been to a few but North Jersey really surprised me. I would like the staff to pay themselves on the back for such great hospitality. Thank you Ms. Shirley and Dashawn for your help and warm welcome. Amina as well. Much appreciated.
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
(973) 785-9200Website
Visit WebsiteMembers
27,665
Total Assets
$252.6M
Year Opened
1936
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile