North Jersey Credit Union Elmwood Park NJ | Best Auto Loans & Business Banking

Introduction

Welcome to North Jersey, your trusted financial partner located at 444 Mola Blvd, Elmwood Park, NJ 07407. Established in 1936, we are proud to serve our community with dedication and care, currently supporting over 24,336 members. With a strong foundation and a commitment to your financial well-being, we have grown to manage total assets of $228,651,353 and total deposits amounting to $10,349,186. At North Jersey, we believe in the power of community. Our mission is simple: to provide you with accessible banking solutions that fit your lifestyle. Whether you're looking for an auto loan or planning for your future with our mortgage options, our dedicated team is here to help you every step of the way. Under the leadership of our CEO, Richard Garcia, and Board President George Hampton, we strive to create a welcoming environment where everyone feels valued and understood. While members can visit us at our Elmwood Park branch for all their banking needs, official correspondence should be sent to our mailing address: 444 Mola Boulevard, Elmwood Park, NJ 7407. Our friendly staff is ready to assist you during our lobby hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM to 1:00 PM. We invite you to explore what North Jersey has to offer. From personal banking services like checking and savings accounts to robust business banking solutions, we're here for you. If you have any questions or need assistance, don't hesitate to call us at 973-785-9200. Visit our website at njfcu.org for more information on how we can support your financial journey. Join us today and experience the North Jersey difference!

Branch History & Mission

Community Focus

We recognize that being a credit union means more than just providing financial products; it's about building relationships. Our shared service center allows us to collaborate with partner credit unions to ensure our members receive comprehensive service wherever they go. In addition to serving individual financial needs, we also strive to support local initiatives that make a difference in Elmwood Park and beyond. Whether it's sponsoring local events or providing resources for educational programs, we're committed to giving back. If you're looking for a supportive financial partner that truly cares about your needs and your community's future, look no further than North Jersey. Join us today and discover how we can help you achieve your goals! For inquiries or assistance, feel free to reach out at 973-785-9200 or visit us online at njfcu.org. Let's grow together!

Mission Statement

At North Jersey, our mission is clear: to empower our members through accessible financial services while actively contributing to the growth of our community. We believe that when we invest in our members' success, we strengthen the entire community. This commitment drives us to engage in various outreach programs and partnerships that uplift those around us. As part of our dedication to modern banking solutions, we offer robust digital services including online banking, mobile payments, and person-to-person transfers. Our facilities are designed with ADA compliance in mind so that all members can access our services without barriers.

Our Journey

Located at 444 Mola Blvd, Elmwood Park, NJ 07407, our branch has been a beacon of hope and support for families and businesses alike. Over the decades, we have adapted to the changing needs of our members, expanding our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our total assets now stand at an impressive $228,651,353, reflecting our strong foundation and trust within the community. Our dedicated team is here to provide you with personalized service during our operating hours: Monday to Thursday from 9:00 am to 5:00 pm, Friday until 5:30 pm, and Saturday from 9:00 am to 1:00 pm. We also offer convenient drive-thru banking for quick transactions.

Branch Location & Accessibility

Access and Amenities

Parking is hassle-free with ample space available for both members and visitors. Plus, our branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities to ensure everyone can access our services comfortably. Our operating hours are crafted to fit your busy schedule: we're open Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM to 1:00 PM. If you need assistance outside of these hours, feel free to reach out at 973-785-9200 our friendly team is here to help!

Call to Action

Ready to explore what North Jersey can do for you? We invite you to visit us at our Elmwood Park location or give us a call today. Join our community of satisfied members who trust us for all their banking needs!

Services Offered

At North Jersey, we offer a wide array of services tailored to meet your financial needs. Enjoy personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. For business owners, we provide merchant services and business loans as well. Need cash? We have an ATM on-site for your convenience. Plus, if you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals.

Member Eligibility

Joining the North Jersey family means becoming part of a community that truly cares about your financial well-being. At our Elmwood Park branch, located at 444 Mola Blvd, we welcome individuals who live, work, worship, or attend school in specific areas within Bergen County. If you fit into one of these categories, you're already on your way to enjoying the benefits of membership! We offer a range of services designed to help you thrive financially, from competitive savings accounts to low-interest loans and personalized financial advice. Becoming a member is simple! Just visit us online at njfcu.org for detailed eligibility criteria and to ensure you're ready to take this important step. If you have any questions or need assistance, feel free to call us at 973-785-9200. We're here to help you every step of the way as you open your account and start experiencing all that North Jersey has to offer!

Business Banking & Commercial Services

Loan Options That Support Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $36 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $13,666,971, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services that simplify transactions for businesses. Imagine having a reliable way to process payments from customers whether in-store or online. Our merchant services help you streamline payment processing, making it easier for your customers to pay while ensuring you get paid quickly. If you're ready to take your business to the next level, visit us at 444 Mola Blvd Elmwood Park Nj 07407 in Elmwood Park, NJ or call us at (973) 785-9200. Let's work together to turn your business goals into reality!

Comprehensive List Of Services

Accessible Transactions for Everyone

We believe in community support. That's why we also provide basic shared branch transactions for partner credit union members because sometimes it's easier to get things done at a nearby location. Whether it's withdrawing cash from an ATM or conducting basic transactions at another credit union's branch, we're here to make sure that access isn't an issue. --- We invite you to explore all these services at North Jersey, located at 444 Mola Blvd Elmwood Park Nj 07407 in beautiful Elmwood Park, NJ. Have questions? Don't hesitate to give us a call at (973) 785-9200. Join us today and experience a friendly approach to banking that prioritizes your needs!

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking features. With these tools, you can manage your accounts anytime from anywhere whether you're making deposits, checking balances, or transferring funds. Our ATM services ensure that cash withdrawal is never far away. Plus, if you're ever in a pinch and need assistance beyond regular transactions, our basic drive-thru banking allows you to handle simple tasks without leaving your car.

Business Banking Solutions

For local business owners in Elmwood Park, our business banking services include essential tools like merchant services and business loans. We understand the challenges of running a business, so we offer resources that can ease some of the burdens.

Personal Banking Made Easy

Managing your day-to-day finances can feel overwhelming, but at North Jersey, we simplify the process. We offer various checking and savings accounts designed to suit different lifestyles. Whether you're saving for a rainy day or need an account for everyday expenses, we have options that will work for you. When it comes to financing your vehicle, our auto loans and vehicle financing solutions come with competitive rates and flexible terms. Imagine driving off in your dream car without the stress of complicated loan processes! For those looking to purchase a home or refinance an existing mortgage, our mortgage loans and refinancing options help turn your homeownership dreams into reality.

Support When You Need It Most

Life can throw unexpected expenses your way, which is why our personal loans and debt consolidation services are here to help. Whether it's for medical bills, home repairs, or consolidating debt into one manageable payment, we aim to provide quick support with fair terms. Don't forget about the little perks that make banking enjoyable our credit cards with rewards let you earn while you spend. From cash back on groceries to travel points, every swipe counts towards something special!

Digital & Online Banking

At North Jersey, we understand that life can get busy, and managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to keep you in control, no matter where you are. With our 24/7 online banking services available at https://njfcu.org/, you can access your accounts anytime. Whether it's checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Plus, you can say goodbye to paper clutter with our E-Statements availability get your statements delivered directly to your inbox whenever you need them. For those on the go, our mobile application makes banking even more convenient. You can perform all your banking tasks right from your smartphone. Want to send money to a friend? Our person-to-person transfer feature allows you to do that quickly and easily. And if you're looking to make purchases without fumbling for cash or cards, our mobile payments feature has you covered. Security is a top priority at North Jersey. We offer electronic signature authorization for added peace of mind when conducting transactions online. You can feel safe knowing that your personal information is protected every step of the way. No matter where life takes you, North Jersey ensures that managing your finances is simple and straightforward. Explore our digital banking options today and experience the freedom of banking on your terms!

Financial Strength

Growing Membership Base

Total Share Accounts: 41,187, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $367,126. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, North Jersey is your trusted partner. Visit us at 444 Mola Blvd Elmwood Park Nj 07407 or call (973) 785-9200 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $22,398,472 in share certificates and $23,987,214 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $757,463, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 52 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $21,070,812 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to supporting your financial goals is reflected in our lending capacity. We offer $1,627 in used auto loans and $147,891,400 in total loans and leases.

Solid Financial Foundation

With a net worth of $24,752,298, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,079 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $23,919,901 in used vehicle loans and $10,695,480 in new vehicle loans already helping members get on the road. We provide flexible terms and refinancing options to ensure you find a plan that fits your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $13,666,971 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are committed to supporting your entrepreneurial journey. If you're interested in any of our loan products or want more information about eligibility and refinancing options, feel free to contact us at (973) 785-9200 or visit us at our branch located at 444 Mola Blvd Elmwood Park Nj 07407 in Elmwood Park, NJ. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial future with confidence!

Credit Lines and Unsecured Loans

Managing finances can be challenging. That's why we offer total credit lines amounting to $33,850,413, giving you the flexibility to cover unexpected expenses or planned purchases. We also provide unsecured credit card loans with a total of $1,669,850 helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $20,199,884, make buying or refinancing simple. We guide you through every step of the process, ensuring you have access to the best rates available.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to using verified financial institutions guarantees fair and transparent offers for all users.

North Jersey