Notice: Online loan and deposit applications will be undergoing maintenance beginning Wednesday, February 1 at 11pm through Thursday, February 2 at 1am. We apologize for any inconvenience.

Early Closing – On Tuesday, January 31st all branches will be closing at 3pm. Our call center will be conducting normal business hours. Mobile Banking, Touch Tone Teller and e-Banking are available 24 hours a day.

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.

Relationship Rewards Comparison Chart

Making it to the top.

How can you make the most of our Relationship Rewards program? Check out the chart below and see how easy it is to qualify for each level. We’ll automatically track your progress, so all you need to do is meet the requirements and we’ll take care of the rest.

Relationship Rewards:

Combined Balances & Requirements*

Relationship Rewards: Combined Balances & Requirements*
Combined Balance First Mortgage Investment Account Monthly Debit Card Purchases**
Platinum Plus $250,000 or more 50
Platinum $75,000-$249.999.99 N/A N/A 30-49
Gold $25,000-$74.999.99 N/A N/A 20-29
Silver $1,000-$24.999.99 N/A N/A 5-19
Or new member***
Basic Less than $1,000 N/A N/A Less than 5
Relationship Rewards Comparison
Platinum Plus Platinum Gold Silver Basic
Foreign ATM W/D Fee Free 10 Free; $2 Thereafter 5 Free; $2 Thereafter $2.00 $3.00
Overdraft Protection Transfer Fee Free Free $5.00 $10.00 $15.00
Check Printing1 Free 2 boxes free annually
Non-Participation Fee Waived Waived Waived Waived $10/month
Consumer Loan Discount2 0.25% 0.10% 0.05%
Member Exclusive Offers
Certified Check Fee Waived Waived $10.00 $10.00 $10.00
Check Cashing Fee Waived Waived $4.00 $5.00 $10.00
Paper Statement Fee Waived Waived Waived $1.00 $2.00
Incoming Wire Fee Waived Waived $5.00 $10.00 $15.00
Domestic Wire Fee Waived Waived $15.00 $25.00 $25.00
Notary Service Fee Waived Waived Waived Waived $2.00
For additional information, visit

Enjoy the freedom to prosper. If you have any questions about Relationship Rewards, just give us a call at 609.538.4061 or 800.538.4061, email us at or stop by one of our branches.


Qualifications are based on an “OR” relationship meaning that if you meet one of the criteria, you will qualify for that tier. You will be placed in the highest tier that you qualify for. Your tier level will be based on your qualifications from the prior month. Members with delinquent loans more than 30 days will be placed into the Basic tier. Excluded from Relationship Rewards: NJ Consumer Checking Accounts, Business Accounts, Children ages 0-17 if not part of a combined HH, Estate, Trust, RPA and Custodial Accounts. Combined balances are calculated by adding end-of-month balances in your CU of NJ Checking, Savings, Money Markets, Certificates, Loans and Credit Card limit(s) in any one given member account. Investment, Mortgage and Student Loan balances are excluded from combined balances. To opt-in to combining your entire household balance, you must complete a Householding Consent Form.


Monthly debit purchase transactions are calculated on when they post to the account, not when the transaction actually occurs. This will include all transactions that post from the first of the month until the last day of the month. Transactions are counted based on the total debit purchase transactions on each checking account separately, not based on the combined transaction on multiple checking accounts in a household. If multiple checking accounts exist in a household, then the checking account with the highest transactions will be counted to determine tier level.


New members within last 90 days.


Annual Check Printing is effective January through December. Must order with a CU of NJ Representative. Select styles only.


Maximum discount for consumer loans is 0.25% off for this program and 0.50% off combined with other programs. Subject to credit approval. First Mortgages, second mortgages (including Home Equity Loans and Lines), student loans, lifestyle loans, personal line of credit and credit cards are excluded.

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