Back to Waldwick credit unions

N.J.T. Employees

7 Richard Drive, Waldwick, NJ 07463
NCUA Insured4.1 (255 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

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

Location & Directions

Address

7 Richard Drive

Waldwick, NJ 07463

Service Area

This credit union is located in Waldwick and serves members in the NJ area. Currently serving 2,526 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

2.00%

Used Auto Loan

4.00%

Personal Loan

12.00%

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(2 total)

Member Reviews

4.1

255 Google reviews

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

View on Google Maps
Gisela Torres

Gisela 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

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

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

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

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.

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).