North Jersey Credit Union Newark NJ | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to North Jersey, your trusted partner in financial growth and community support, located at 186 W Market St, Newark, NJ 07103. Since our establishment in 1936, we have been dedicated to serving our members with a variety of financial solutions tailored to meet their needs. With over 24,000 members, we pride ourselves on being more than just a credit union; we are a vital part of the Newark community. At North Jersey, we understand that every financial journey is unique. That's why we offer an array of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our total assets amount to an impressive $228,651,353, providing us the strength to support our members effectively. With $10,349,186 in deposits and a solid net worth of $24,752,298, we assure you that your finances are in safe hands. Under the leadership of our CEO, Richard Garcia, and Board President, George Hampton, our team of 59 dedicated employees is committed to offering personalized service that truly makes a difference. We believe in building lasting relationships with our members through trust and transparency. While you can reach us directly at 973-785-9200 for any inquiries or assistance you may need, we invite you to explore more about what North Jersey has to offer by visiting our website at njfcu.org. Whether you're looking for advice on loans or want to learn more about how we can help you save for the future, we're here for you every step of the way. Join us today and discover how North Jersey can be your go-to resource for all your financial needs!

Branch History & Mission

Commitment to Innovation

As times change, so do we. At North Jersey, we're dedicated to enhancing your banking experience through digital advancements such as online and mobile banking services. With features like electronic signatures and person-to-person payments available, managing your finances has never been easier or more convenient. Our branch operates during convenient hours: Monday through Thursday from 8:00 AM to 4:00 PM and Friday from 7:30 AM to 5:00 PM, with Saturday hours from 9:00 AM to 1:00 PM for your convenience. Plus, we proudly offer ATM availability for quick cash access whenever you need it.

Join Us Today!

At North Jersey, we're excited about the future and invite you to be part of our journey. Whether you're looking for a new account or seeking advice on loans and mortgages, we are here for you every step of the way. While members can visit us at 186 W Market St, official correspondence should be sent to 186 West Market St., Newark, NJ 7103. Don't miss out on experiencing all the benefits of being part of our community-focused credit union. Reach out today at 973-785-9200 or visit us online at njfcu.org to learn how you can become a member of North Jersey!

Our Mission

Our mission at North Jersey is simple yet powerful: to empower individuals and families by offering them reliable financial services that help them achieve their goals. We believe that everyone deserves access to quality banking solutions without barriers. This commitment drives us every day to provide personal banking options like checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and much more. In addition to traditional banking services, we actively engage in community outreach initiatives that uplift those around us. We partner with local organizations to promote financial literacy and support programs that benefit our neighborhoods. By doing so, we aim not just to serve as a bank but as a true community partner.

Branch Location & Accessibility

Welcome to the North Jersey branch, conveniently located at 186 W Market St in Newark, NJ! Our location is easily accessible and situated near local landmarks, making it simple for you to drop by. Whether you're coming from the bustling downtown area or the nearby parks, our branch is just a short walk or drive away. While members can visit us at our physical address, official correspondence should be sent to 186 West Market St, Newark, NJ 7103. This ensures that your important documents reach us promptly. At North Jersey, we prioritize accessibility for all our members. Our branch is equipped with features like ADA-compliant ramps and ample parking to accommodate everyone. You can visit us during our friendly lobby hours: Monday through Thursday from 8:00 a.m. to 4:00 p.m., Friday from 7:30 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. Need cash on the go? We have an ATM available for your convenience right here at the branch. While we don't offer drive-thru banking services, our team is ready to assist you inside with a range of personal banking services including checking and savings accounts, auto loans, mortgages, and more. If you have any questions or need assistance, feel free to call us at 973-785-9200. We look forward to welcoming you at North Jersey!

Member Eligibility

At North Jersey, we believe that joining our community is more than just opening an account; it's about becoming part of a family dedicated to supporting each other. If you're looking to become a member, you're in luck! Our eligibility criteria are designed to be inclusive and welcoming. Generally, anyone who lives, works, worships, or attends school in the area can apply for membership. For those with unique circumstances or questions, we encourage you to reach out directly at (973) 785-9200 for personalized assistance. Opening an account with us is straightforward and hassle-free. You can start your journey towards membership by checking out the detailed eligibility requirements on our website at https://njfcu.org/banking/join-now/ . Once you're ready, you can easily begin the account opening process by visiting https://banking.njfcu.org/registration . We can't wait to welcome you into our vibrant community at North Jersey, located at 186 W Market St Newark Nj 07103!

Business Banking & Commercial Services

Commercial Loans That Propel 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.

Practical Merchant Services

In addition to loans, we offer essential merchant services that simplify everyday transactions. Imagine being able to accept payments seamlessly from your customers, whether they're shopping online or in-person. Our solutions are crafted to enhance cash flow and make managing your finances easier. Visit us at 186 W Market St Newark Nj 07103 in Newark, NJ or call us at (973) 785-9200 to learn more about how our business banking and commercial services can help you thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, consider our competitive Auto Loans & Vehicle Financing options. We work with you to find financing that fits your budget and lifestyle. Imagine driving off in that new car without breaking the bank! Our team will guide you through every aspect of securing the best rates available.

Business Banking

For our business members, we offer comprehensive Business Banking services including Merchant Services & Business Loans. Managing cash flow is crucial for any business, and our services are designed to streamline operations and provide necessary funding when you need it most.

Convenient Access

We know convenience matters. That's why we provide various ways to access your accounts easily: from our ATM services that allow for quick cash withdrawals and balance checks to robust online banking features that put control at your fingertips. Our branch is located at 186 W Market St, Newark, NJ 07103, where our staff is ready to assist during lobby hours: Monday through Thursday from 8:00 a.m. to 4:00 p.m., Friday from 7:30 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. If you're interested in learning more about our services or want assistance with any financial products, please don't hesitate to reach out at 973-785-9200 or visit us online at njfcu.org. We look forward to serving you!

Mortgage Solutions

Thinking about buying a home? Our Mortgage Loans & Refinancing services are designed to help you navigate the process smoothly. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better terms, we're here to provide expert guidance and support throughout your journey.

Personal Banking

Our personal banking services include Checking & Savings Accounts that help you manage your everyday finances efficiently. With easy access through online and mobile banking, you can check balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, we offer Credit Cards with Rewards, allowing you to earn points for every dollar spent, making everyday purchases even more rewarding.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. If you're facing high-interest debt or need funds for personal projects, we offer flexible loan options that can help ease your financial burden. Our goal is to provide solutions that fit your unique situation.

Digital & Online Banking

Key Features

Visit us at https://njfcu.org/ to explore our comprehensive online banking platform. You can easily check balances, transfer funds, and manage your accounts 24/7. Our electronic signature authorization makes it simple to sign documents securely without the hassle of printing or mailing. Plus, with e-statements available, you can view your account statements online whenever you need them, helping you stay organized and eco-friendly. If you're always on the move, our mobile application is here to help. It includes features like mobile payments for quick transactions and person-to-person transfers so you can send money to friends or family with ease. The app is user-friendly and ensures that you have all the tools needed to manage your finances effectively.

Security & Accessibility

Your security is our top priority. We implement advanced measures to keep your information safe while providing an accessible experience. Whether you're using a computer or a smartphone, you'll find that navigating through our online banking services is straightforward. With real-time account management at your fingertips, keeping track of your finances has never been easier. Join us at North Jersey today and experience how our digital banking solutions make managing money stress-free!

Financial Strength

Commitment to 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.

Growing Membership Base

Total Share and Deposit Accounts: 41,187, show 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 186 W Market St Newark Nj 07103 or call (973) 785-9200 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

Reinvestment in Member Services

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 lending capacity is further supported by $1,627 in used auto loans and $147,891,400 in total loans and leases, which help you achieve your financial goals across various sectors.

Strong Financial Health

With a net worth of $24,752,298, we maintain robust 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

Additional Loan Options

For those who need extra support for business growth, our outstanding commercial loans totaling $13,666,971 provide the capital needed to expand your ventures. Additionally, if you're looking for personal financing solutions like debt consolidation or other personal loans, we have various options available. Whether you're thinking about refinancing or exploring eligibility options, our team is ready to assist you every step of the way. For more information on how you can take advantage of these lending opportunities, please give us a call at (973) 785-9200 or visit our website at https://njfcu.org/ . 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 look forward to helping you secure the financing that meets your needs!

Auto Loans

Are you 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. Whether you're interested in financing a new or used vehicle, we have options tailored for you.

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 provide flexible terms and competitive rates that can help put you in your dream home faster than you think.

Unsecured Credit Cards

Managing daily expenses can be challenging, but our unsecured credit card loans offer a solution. With a total of $1,669,850 in loans, our credit cards come with flexible terms to help you manage your finances effectively. Enjoy the convenience and benefits of having a card that fits your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh ensures that all loan data 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 guarantees that users receive fair and transparent offers without hidden fees or misleading information.

NORTH JERSEY FEDERAL CREDIT UNION - Newark, NJ