Overview / Commentary
1301 Parkway Ave
Ewing, NJ 08628

Credit Union Of New Jersey is headquartered in Ewing and is the 9th largest credit union in the state of New Jersey. It is also the 742nd largest credit union in the nation. It was established in 1943 and as of September of 2018, it had grown to 79 employees and 38,642 members at 6 locations. Credit Union Of New Jersey's savings rates are 14X the national average, but it has a C health rating.

Field of Membership Restrictions

Membership in Credit Union of New Jersey is open to anyone (regardless of residency or employment status) by joining either the Ewing Public Educational Foundation or Credit Union of New Jersey Foundation. Membership is also open to the folloiwng: (1) employees and retirees (and their families) of the State of New Jersey; (2) employees of a New Jersey state agency, commission, or authority; or any of 200+ SEGs; (3) those who live, work, worship, or attend school in Ewing Township or live in parts of Trenton and Burlington County.
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Reviews (5)

Pretty great bank

Posted by: Celluge | May 23, 2018

I have been banking with Citi Bank for over 10 years. I have rarely had a bad experience with them and they have always provided me with service that is kind, informative and timely. Over the years I have seen bank tellers come and go but my great experience there has remained the same. When I go into a Citi bank I know what kind of experience I am in for. Additionally, if and when I have questions there are representatives there who are able to assist me with a long wait time. I do not think I will ever change banks; unless I have to. Overall I would say go with Citi bank for all of your financial needs, it is a sure fire win in my book.

Missing the personal touch

Posted by: seanking91 | Feb 2, 2017

What I miss most about being a long time customer at my bank is personal attention. I have been a member at the credit union since 2004 and it's irksome that I still have to present my ID every time I have a transaction. I do understand that there are precautions that must be taken in regards to theft identity, but after over a decade I feel like it would be nice to not have to do this every single time I go to the bank. Then to be told that I can't access my money regardless, even though they know me ... it's impersonal now.

The Most Unprofessional Bank Ever

Posted by: Paula75 | Jun 6, 2017

This bank has the most unprofessional and incompetent staff. They've lied on numerous occasions, was not accountable for stole funds. More recently, my debit card replacement took and I kid you not...almost an entire month. The President never responded to a written letter and his management staff are just as incompetent. I had to open a backup account and will be transferring immediately over to my new credit union. Think twice! They only get the one star because there is no zero star option.

Inactivity Fee--$10

Posted by: mez | Apr 12, 2017

I opened a savings account anticipating getting a share certificate soon afterwards. I got sick and couldn't follow through. My second quarterly statement was assessed a $1 paper statement fee and a $10 inactivity fee. I called to close the account, but couldn't. The call center doesn't accept those requests. I needed to be called by a "specialist in a day or two." A specialist called the same day and demanded I mail a formal cancellation letter. Good going, CUNJ. Stealing money from an ailing senior citizen. After all, "rules are rules."

Hidden Fees

Posted by: eshinn | May 5, 2012

I opened this account for a pre approved car loan.  Was told only needed $100 balance.  After the dealer gave me a better interest rate I declined the loan.  Should have told me then that I would be charged $5 per month.  They didn't.  I didn't realize until my $100 shrunk to $75.  Crooks!


Health Grade Components

NCUA #65597
Year Chartered1943
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD5.14%
Annual Interest Income$12.7MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$340.8MM$342.0MM
LoansQ3 2018vs Q3 2017$306.9MM$312.6MM
DepositsQ3 2018vs Q3 2017$314.6MM$312.7MM
Equity CapitalQ3 2018vs Q3 2017$24.4MM$27.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$5.9MM$3.3MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$8.8MM$6.5MM
Real Estate OwnedQ3 2018vs Q3 2017$265.00K$265.00K
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Always verify rates and promotions with the bank or credit union. We are not Credit Union Of New Jersey; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Credit Union Of New Jersey Savings Account Rates

7.50%*-$500High Rate Share Savings Account
OTHER TIERS: 0.10% $10k - $250k | 0.50% $500 - $10k
0.25%$200-IRA Share Accounts
0.15%*$10k*-Regular Share Account
OTHER TIERS: 0.05% Up to $500 | 0.10% $500 - $10k
0.15%*$10k*-Business Share Accounts
OTHER TIERS: 0.05% Up to $500 | 0.10% $500 - $10k
0.05%--Holiday Club
0.05%--Vacation Club
0.05%--Summer Savings Club
0.05%--Young Savers Club

Credit Union Of New Jersey Money Market Rates

0.65%*$500k*-Business Elite Money Market
OTHER TIERS: 0.25% $50k - $250k | 0.40% $250k - $500k
0.40%*$250k*-Elite Money Market
OTHER TIERS: 0.35% $50k - $250k
0.30%$25k-Premier Money Market
0.20%*$10k*-Tiered Money Market
OTHER TIERS: 0.15% $1k - $10k
0.15%$25k-Premier Business Money Market

Credit Union Of New Jersey Checking Account Rates

0.05%--Interest Checking Accounts
0.05%--Senior Checking Accounts
0.05%$1k-Better Business Checking

Credit Union Of New Jersey CD Rates

2.75%$500$100k17 Month CD Special
2.10%*$100k*-Business 5 Year CD
OTHER TIERS: 1.70% $500 - $100k
2.10%*$100k*-60 Month CD
OTHER TIERS: 2.00% $500 - $100k
1.85%*$100k*-Business 4 Year CD
OTHER TIERS: 1.40% $500 - $100k
1.85%*$100k*-48 Month CD
OTHER TIERS: 1.75% $500 - $100k
1.60%*$100k*-Business 3 Year CD
OTHER TIERS: 1.20% $500 - $100k
1.60%*$100k*-36 Month CD
OTHER TIERS: 1.50% $500 - $100k
1.35%*$100k*-Business 2 Year CD
OTHER TIERS: 1.00% $500 - $100k
1.35%*$100k*-24 Month CD
OTHER TIERS: 1.25% $500 - $100k
1.25%*$100k*-Business 18 Month CD
OTHER TIERS: 0.75% $500 - $100k
1.25%*$100k*-18 Month CD
OTHER TIERS: 1.15% $500 - $100k
1.10%*$100k*-Business 1 Year CD
OTHER TIERS: 0.65% $500 - $100k
1.10%*$100k*-12 Month CD
OTHER TIERS: 1.00% $500 - $100k
0.60%*$100k*-Business 6 Month CD
OTHER TIERS: 0.30% $500 - $100k
0.60%*$100k*-6 Month CD
OTHER TIERS: 0.50% $500 - $100k
0.50%*$100k*-Business 3 Month CD
OTHER TIERS: 0.40% $500 - $100k
0.50%*$100k*-3 Month CD
OTHER TIERS: 0.40% $500 - $100k

Credit Union Of New Jersey IRA Rates

2.75%$500$100k17 Month IRA Special
2.10%*$100k*-60 Month IRA
OTHER TIERS: 2.00% $500 - $100k
1.85%*$100k*-48 Month IRA
OTHER TIERS: 1.75% $500 - $100k
1.60%*$100k*-36 Month IRA
OTHER TIERS: 1.50% $500 - $100k
1.35%*$100k*-24 Month IRA
OTHER TIERS: 1.25% $500 - $100k
1.25%*$100k*-18 Month IRA
OTHER TIERS: 1.15% $500 - $100k
1.10%*$100k*-12 Month IRA
OTHER TIERS: 1.00% $500 - $100k

Credit Union Of New Jersey Locations
Branch OfficeRosedale RdPrinceton, NJ 08541-0001
Branch Office900 Parkway AveEwing, NJ 08618-2308
Branch Office4364 Route 130 Ste FWillingboro, NJ 08046-1461
Branch Office12 E Lafayette StTrenton, NJ 08608
Branch Office1035 Parkway AveEwing, NJ 08618-2309
Branch Office1301 Parkway AveEwing, NJ 08628

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