Credit Union Of New Jersey

Overview / Commentary
1301 Parkway Ave
Ewing, NJ 08628

Credit Union Of New Jersey is headquartered in Ewing and is the 8th largest credit union in the state of New Jersey. It is also the 792nd largest credit union in the nation. It was established in 1943 and as of December of 2022, it had grown to 71 employees and 37,321 members at 4 locations. Credit Union Of New Jersey 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.
See current membership details

Reviews (6)

Missing the personal touch

Posted by: |

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.

Holder Beware

Posted by: |

I open two account here for the rates. Like I do with all of my accounts, I deposit some money and I withdraw some money monthly. Never checking the statement, because ever month is the same like clock work. A few months after opening the accounts with the max required for the special rate, the changed the terms. Thet withdrew $10 every month for months because of low balance. I asked to closed the account and that took about a week and a half. Lessons learned. Not going to say stay away but be careful.

Hard Credit Inquiry For Bank Account & 5% On $500 May Need To Be 2.5% On $1K

Like most banks, they disclose that they will pull your credit. What wasn't clear to me was that this bank does a hard credit inquiry, not a soft one.

Also if you're opening the account for the 5% on $500, the monthly fees can destroy any profits so that you're negative monthly unless you deposit $1k or more or jump through some other hoops that aren't worth it in my opinion.

The Most Unprofessional Bank Ever

Posted by: |

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: |

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: |

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 #24927
Year Chartered1943
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD11.23%
Annual Interest Income$16.7MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$424.9MM$418.6MM
LoansQ4 2022vs Q4 2021$341.0MM$296.3MM
DepositsQ4 2022vs Q4 2021$376.0MM$384.6MM
Equity CapitalQ4 2022vs Q4 2021$27.7MM$30.7MM
Loan Loss AllowanceQ4 2022vs Q4 2021$3.0MM$3.0MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$4.5MM$2.9MM
Real Estate OwnedQ4 2022vs Q4 2021$0$60.00K

Rates for Credit Union Of New Jersey are currently being reviewed.


Credit Union Of New Jersey Locations
Branch OfficeRosedale RdPrinceton, NJ 08541-0001
Branch Office12 E Lafayette StTrenton, NJ 08608
Branch Office1035 Parkway AveEwing, NJ 08618-2309
Branch Office1301 Parkway AveEwing, NJ 08628

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