Credit Union of New Jersey will never ask for account number, debit credit card number, pin or password via e-mail, text or over the phone. Learn more about fraud prevention here.

Your deposits are protected by the National Credit Union Share Insurance Fund and are insured up to at least $250,000 per individual depositor.... Learn More

Important update to our ATM Network: Effective March 1, 2023, we no longer participate in the Allpoint ATM Network. You still have access to 30,000+ surcharge-free ATMs within the Co-op ATM Network.

We’re hiring! Check out a list of open positions here.

Your funds deposited with Credit Union of New Jersey are safe, secure and insured.

We will be closed Monday, May 27th in observance of Memorial Day.

Pay for your future with our student loans.

Education is the single-most valuable asset in securing a better future for yourself. We’re able to help you finance it. With reasonable rates, a 5-minutes-or-less online application and fee reductions, there’s no better time to take the next step into your future.

Cover your education costs today

Apply. Accelerate. Arrive.

Our auto loans are like a turbo injector for your finances. With flexible terms, rates as low as 4.49% APR² and no payments for 90 days⁶, you can turn your auto aspirations into financial acceleration. Get the ride of your dreams and free up money for life’s other adventures.

Apply online now

The biggest thing since…well, anything.

Transform your everyday banking with unmatched benefits. Our Kasasa Cash® Checking Account offers an unmatched 6.00% APY³ dividend on balances up to $25,000, while our Kasasa Cash Back® Checking Account gives you 4% cash back⁴ on purchases, with no minimum balance required. Now managing your finances is not just easier—it’s more rewarding.

Open a Kasasa Checking Account Learn more

Financial freedom is at your doorstep.

Use the power of your home to escape high-interest credit card debt. A Home Equity Line of Credit (HELOC) lets you consolidate and pay off that debt at a fraction of the cost. Borrow from $5k up to $500k, with rates as low as 8.99% APR¹ and repayment up to 15 years.

Open your HELOC today

Turn this moment into a milestone.

With interest rates lowering, now’s the time to finally buy your first home, or lock in a lower rate for your current home—leading to significant savings over the life of your loan.

Lock in that great rate today

What do our members
say about us?

“When I called customer service regarding Zelle electronic transfer of funds. The response she gave, helped me appreciate this new CUNJ service. Since I have a small business, I need to be flexible with transfer of funds. I’m glad I can use this new online feature. I’m also grateful for the new branch in Hamilton. That was one of my wishes in various surveys. And CUNJ now has a closer branch for many people around my area. Thanks!”

Marie
February 9, 2024

“Marc was super helpful and friendly. Answered all questions and went above and beyond our needs and expectations! Fastest service ever from everyone at the CUNJ.”

Kyle
February 17, 2024

“It was relatively painless!!! The staff guided me through every step of the process. My questions were answered and it was obvious that my comfort and satisfaction were priorities. Thank you so much CUNJ. I love my new car. (PS: I received a lower interest rate than the dealer was pressuring me to take.)”

Diane
February 28, 2024

Trust Pilot
Mobile Banking

Your wallet just got smarter.

You’re smart. Now your wallet is, too. With our suite of digital wallet-ready cards, security and intelligence go wherever you go. Harness the power of seamless transactions with a touch in your favorite wallet app.

Apple Pay
Google Pay
Samsung Pay
Mobile banking

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 bank⁷.
  • Send or receive money right from your Credit Union of New Jersey mobile app or e-Banking account.

Investment & Insurance Services Located at Credit Union of New Jersey

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:

Members helped
(as of December 2023)

Direct financial benefits
(2022-2023)

$

Amount donated to non-profits
(2015-2023)

$

Total member savings
from lower fees

$

Annual members
household savings

$

Member loan interest benefits

$

Member Kasasa Rewards
(2021–2023)

$

High-use member household benefits
(2022–2023)

$

We have our sights set even higher.

Ready to join Credit Union of New Jersey?

Join us today

Mission & Values

What prosperity means to us.

Since 1943, we've been on a mission to ensure our members and future members have the ability to be in control of their financial lives. At Credit Union of New Jersey, we understand that financial health is only one part of prosperity—but it's one we specialize in and assist our members and their families with every single day. Let us give you this financial strength. We're here to give you the freedom to prosper.

Member only deals Love My Credit Union rewards
Membership has its discounts.

Enjoy savings at hundreds of retailers, restaurants and services.

Learn more

*

APY = Annual Percentage Yield. Rate is effective as of March 1, 2024, 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.

¹

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 July 27, 2023, the current Prime Rate is 8.50%. The maximum combined loan to value for all liens is 80% to receive a rate as low as 8.99% APR and is 90% to receive a rate as low as 9.99% 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.

²

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 72-month terms and $20,000 for 84-month terms. Payment examples are per $1,000 borrowed for model years 2017 – 2022: Rates as low as 5.74% for 84 months = $14.49; as low as 5.49% for 72 months = $16.34; as low as 5.24% for 60 months = $18.99; As low as 4.99% for 48 months = $23.03; as low as 4.74% for 36 months = $29.86; as low as 4.49% for 24 months = $43.65. Other rates and terms available. Member eligibility required. Refinancing available for financing from another lender.

³

Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash 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.

Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 5.98% resulting in an APY of 6.00%; and daily balances over $25,000 earn a dividend rate of 0.75% on the portion of the daily balance over $25,000, resulting in a range from 6.00% to 1.80% APY depending on the account’s daily balance.

You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the 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 account qualifications are not met, ATM withdrawal fees are not refunded.

When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.01% resulting in an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Kasasa Cash account on the first processing/business day of the following statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 09/01/2023.

APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.

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. Fees may reduce earnings.

Additional Information:
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.
Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Qualification Information:
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.

Reward Information:
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.
Additional Information:
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.

Trademarks:
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

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.

Valid on new and used auto loans. Each auto loan closed during this promotion period will make no payments for 90 days. Accepting the terms of “no payment for 90 days offer” will extend the maturity of your loan for at least 90 days but less than 110 days. If accepting the delayed first payment, you will not be eligible for any other skipping/delaying of your payment during this calendar year. Interest will accrue during this period. Payments made through payroll deduction or automatic payment will be deposited into your account for the time you are skipping/delaying your payment. Refinances from existing CU of NJ loans do not qualify. All loans are subject to credit approval. Certain restrictions may apply. This offer can be discontinued at any time.

Must have a bank account in the U.S. to use Zelle.

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