Freedom to prosper isn’t just a phrase. It’s a lifestyle.
Our members have the capacity to thrive whatever the circumstances. No matter what stage of life you’re at, CU of NJ is here to help with your financial wellbeing.
Share Certificate Specials: Three ways to grow.
Plant your money in a 7-Month Certificate, 13-Month Certificate or 17-Month Share Certificate. With yields up to 4.25% APY¹, no matter what, your money’s growing up fast.
We’re local. And we’re growing.
A brand new branch means a new home for you to come to conduct all your banking needs. Stop on by, we’re looking forward to meeting you!
We just donated $25,000 for Trenton youth.
Our latest community donation to the Henry J. Austin Health Center ensures a healthy vision for Trenton’s youth.
Financial Tools For every need, there’s a way we can help.
Financial education will turn your financial challenges into opportunities.
With our help you can take ownership of your financial wellbeing today.
It's time to take control.
What do our members
say about us?
“Quick & Easy at the new Hamilton location.”
“Friendly, professional, communicative, responsive and timely. Buying out my lease with CUNJ was a smooth transaction. I recommend using the credit union for all of your loan needs.”
“The loan process was quick and easy. Ms. Maria helped me and answered any questions I had. She took her time to explain everything in detail.”
An 80-Year Legacy
Over eight decades, we’ve never wavered in our dedication and mission of giving our members the Freedom to Prosper. As we celebrate this milestone anniversary, we reaffirm our commitment to supporting the financial needs and goals of our members now and in the future.
Go from someday to today's the day.
Look no further than Zelle® to:
- Send money to friends and family easily.
- Settle up or split tabs with friends regardless of where they bank⁵.
- Send or receive money right from your Credit Union of New Jersey mobile app or e-Banking account.
Ready for the unexpected. Long-term insurance and wealth management strategies so you can invest with confidence.
Our numbers don’t lie.
Because we’re a not-for-profit financial institution, we are always laser-focused on serving our members and our community. We can reduce our fees, provide excellent service and ensure you directly benefit from our competitive lending and deposit rates.
Here are a few ways we've directly impacted the lives of our members and community:
We have our sights set even higher.
Ready to join Credit Union of New Jersey?
Membership has its discounts.
Enjoy savings at hundreds of retailers, restaurants and services.
APY = Annual Percentage Yield. Rate is effective as of February 15, 2023, and is subject to change without notice. Penalty for early withdrawal may apply. Fees could reduce the earnings. A $5 Membership Account is required for this promotion. New money only. One certificate, business certificate or IRA certificate per person with a minimum deposit of $500 and a maximum deposit of $500,000. The 7-month certificate will renew as a 12-month certificate at the end of the 7-month period. The 13-month certificate will renew as a 12-month certificate at the end of the 13-month period. The 17-month certificate will renew as an 18-month certificate at the end of the 17-month period.
APR = Annual Percentage Rate. All rates are subject to change without notice and based on credit history. Minimum loan amount of $8,000 required for 60-month terms, $15,000 for 75-month terms and $20,000 for 84-month terms. Payment examples are per $1,000 borrowed for model years 2017 – 2022: 84 months = $14.25; 75 months = $15.67; 60 months = $18.98; 48 months = $23.14; 36 months = $30.08. Other rates and terms available. Member eligibility required. Refinancing available for financing from another lender.
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa
Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH credit, ACH payment or Bill Pay transaction(s)
- At least 12 PIN-based / signature-based debit card purchases
- Be enrolled in and have agreed to receive e-statements rather than paper statements
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.
“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $250.00 on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle when qualifications are met. A foreign ATM fee reimbursement cap of up to $4.99 per transaction applies when qualifications are met. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing/business day of the following statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $5 minimum deposit is required to open the account. Limit of one account per member.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
APR = Annual Percentage Rate. APR is subject to change without notice. The variable APR applicable to your account will be indexed to the Prime Rate as published in the Wall Street Journal. As of May 4, 2023, the current Prime Rate is 8.25%. The maximum combined loan to value for all liens is 80% to receive a rate as low as 8.74% APR and is 90% to receive a rate as low as 9.74% APR. APR that can apply is 18.00% or the maximum permitted by law, whichever is less. APR may vary depending on credit history. Homeowners insurance is required. Flood insurance is required where necessary. Member eligibility required. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group.
Annual Percentage Rate (APR) effective as of October 1, 2022. Subject to credit approval. Financing available up to 60 months. Rates as low as 7.24% for 36 months, 8.24% for 48 months, and 9.24% for 60 months. Rates are based on credit worthiness. Payment amount is determined by APR and term. The loan payment is $30.99 per $1,000 borrowed at 7.24% for 36 months. The loan payment is $24.53 per $1,000 borrowed at 8.24% for 48 months. The loan payment is $20.88 per $1,000 borrowed at 9.24% for 60 months. Rates subject to change at any time. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group.