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North Jersey Federal Credit Union

Easy Live, work, worship, or attend school in Bergen, Essex, Hudson, or Passaic (plus listed Morris/Union towns)
Who can join Live/work/worship/school / regularly conduct business in Bergen, Essex, Hudson, Passaic Counties · or listed Morris / Union municipalities
How hard Easy
Fees / share Confirm share minimum on join flow (online apps often cite $5 — confirm on site)
ATM notes Confirm ATM network on njfcu.org
Official name
North Jersey Federal Credit Union (NJFCU)
Charter / type
NCUA-insured federal credit union (confirm via NCUA locator).
Field of membership (summary)
Published: persons who live, work, regularly conduct business in, worship, or attend school in, including businesses located in, Bergen, Essex, Hudson, or Passaic County, or listed municipalities in Morris County (Denville, Dover, Florham Park, Hanover, Morris, Morristown, Rockaway Borough, Rockaway Township), or Elizabeth, Linden, and Roselle in Union County. Immediate family of members also eligible as published.
Join steps (as published)
Confirm county/municipality path. Apply via njfcu.org (Join / Switch). Open required share account.
Fees (only if published)
Share opening amount: confirm on current NJFCU join/application materials (not invented if not clearly stated on the eligibility page).
ATM / network notes
ATM network: confirm on njfcu.org.
Branches serving Greater NYC
North Jersey footprint (main office Totowa) — use njfcu.org. Serves people who work in Hudson/Bergen/etc. (including many NYC-commuter workplaces) when that published path applies — still verify your work address.
Caveats
This is a New Jersey county community FOM — not NYC five-borough residency. Working in Jersey City/Hoboken/Newark can qualify; living only in Brooklyn does not by itself.
Join difficulty rationale
Easy — published multi-county NJ live/work/worship/school path covering core NYC-metro NJ counties.

Sources

Not a guarantee: Meeting the published field of membership does not mean you will be approved. Credit unions still run identity checks (CIP) and their own account rules.

Last verified: 2026-10-26 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.