Q2 2026 call reports
Best credit unions in New Jersey
Scored on what members get, from the call reports filed with NCUA for the quarter ended June 30, 2026, the best credit union serving New Jersey is Altra Federal Credit Union with 67.2 out of 100, followed by Andrews Federal Credit Union (63.8) and Merck Employees Federal Credit Union (62.8). The score weighs deposit dividends, loan rates, fees, financial strength and member growth against credit unions of the same size.
No paid placements and no reviews: only NCUA figures. A credit union must hold at least $50 million in assets and be well capitalized to be scored. Check that you are eligible to join.
- Best for saversAmerican Airlines Federal Credit Union 96th percentile
- Lowest loan ratesPolish & Slavic Federal Credit Union 72th percentile
- Lowest feesMerck Employees Federal Credit Union 99th percentile
- Strongest balance sheetPolice & Fire Federal Credit Union 96th percentile
Top 25 credit unions in New Jersey most people can look at
Credit unions headquartered in New Jersey or with offices there that estimate 100,000 or more potential members on their call report, or that anyone in the US can join. Each part is a percentile against NCUA peers of the same size, 100 best; the score is their weighted average.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Altra Federal Credit UnionOnalaska, WI · 1 office here | 67.2 | 79 | 50 | 71 | 75 | 56 | $3.1B |
| 2 | Andrews Federal Credit UnionSuitland, MD · 3 offices here · open to anyone | 63.8 | 77 | 69 | 61 | 28 | 94 | $2.7B |
| 3 | Merck Employees Federal Credit UnionRahway, NJ | 62.8 | 40 | 52 | 99 | 91 | 18 | $1.7B |
| 4 | FourLeaf Federal Credit UnionBethpage, NY · 1 office here · open to anyone | 61.5 | 85 | 46 | 95 | 9 | 80 | $14.4B |
| 5 | Affinity Federal Credit UnionBasking Ridge, NJ | 61.5 | 78 | 58 | 78 | 19 | 81 | $4.4B |
| 6 | American Airlines Federal Credit UnionFort Worth, TX · 1 office here | 60.4 | 96 | 48 | 49 | 62 | 22 | $9.5B |
| 7 | Polish & Slavic Federal Credit UnionBrooklyn, NY · 7 offices here | 58.7 | 5 | 72 | 90 | 73 | 68 | $2.7B |
| 8 | Pentagon Federal Credit UnionMcLean, VA · 1 office here · open to anyone | 57.6 | 76 | 51 | 85 | 36 | 17 | $29.2B |
| 9 | The Atlantic Federal Credit UnionKenilworth, NJ | 57.6 | 87 | 39 | 75 | 37 | 37 | $235.1M |
| 10 | American Heritage Federal Credit UnionPhiladelphia, PA · 5 offices here · open to anyone | 56.3 | 93 | 70 | 40 | 14 | 49 | $5.4B |
| 11 | Police & Fire Federal Credit UnionPhiladelphia, PA · 3 offices here | 55.5 | 83 | 30 | 29 | 96 | 23 | $10.2B |
| 12 | Navy Federal Credit UnionVienna, VA · 2 offices here | 55.4 | 56 | 33 | 88 | 37 | 81 | $204.4B |
| 13 | Campbell Federal Credit UnionMaple Shade, NJ | 54.2 | 23 | 64 | 93 | 48 | 42 | $138.6M |
| 14 | Garden Savings Federal Credit UnionParsippany, NJ | 52.7 | 86 | 65 | 57 | 13 | 8 | $495.5M |
| 15 | Financial Resources Federal Credit UnionBranchburg, NJ | 49.9 | 77 | 58 | 36 | 6 | 78 | $659.0M |
| 16 | First Atlantic Federal Credit UnionEatontown, NJ | 49.0 | 52 | 33 | 80 | 59 | 0 | $332.2M |
| 17 | Visions Federal Credit UnionEndicott, NY · 16 offices here | 44.8 | 34 | 37 | 83 | 35 | 35 | $5.5B |
| 18 | North Jersey Federal Credit UnionTotowa, NJ | 44.8 | 4 | 61 | 59 | 35 | 97 | $255.6M |
| 19 | Picatinny Federal Credit UnionDover, NJ | 44.6 | 20 | 40 | 89 | 34 | 51 | $459.1M |
| 20 | First Commonwealth Federal Credit UnionLehigh Valley, PA · 1 office here | 44.4 | 32 | 52 | 59 | 23 | 70 | $1.5B |
| 21 | Xcel Federal Credit UnionBloomfield, NJ | 44.3 | 44 | 62 | 30 | 35 | 47 | $185.8M |
| 22 | First Harvest Federal Credit UnionDeptford, NJ | 42.7 | 62 | 38 | 24 | 18 | 93 | $484.5M |
| 23 | Riegel Federal Credit UnionMilford, NJ | 41.7 | 4 | 62 | 94 | 21 | 22 | $167.7M |
| 24 | Motion Federal Credit UnionLinden, NJ | 40.0 | 8 | 64 | 55 | 29 | 51 | $60.2M |
| 25 | United Teletech Financial Federal Credit UnionTinton Falls, NJ | 39.7 | 35 | 64 | 32 | 27 | 33 | $327.7M |
Top scores among New Jersey credit unions for specific groups
These serve a closed field of membership, such as one employer's staff, a profession or a church, with under 100,000 potential members. If you belong to the group, they are worth a look.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Self Reliance Financial Federal Credit UnionNew York, NY · 1 office here | 83.5 | 99 | 55 | 100 | 76 | 100 | $2.0B |
| 2 | Central Jersey Police & Fire Federal Credit UnionHamilton, NJ | 77.7 | 82 | 65 | 96 | 64 | 91 | $52.3M |
| 3 | Nova Ua Federal Credit UnionClifton, NJ | 76.9 | 95 | 66 | 84 | 83 | 32 | $156.4M |
| 4 | Selfreliance Federal Credit UnionChicago, IL · 3 offices here | 66.9 | 73 | 76 | 91 | 52 | 11 | $1.2B |
| 5 | Healthcare Employees Federal Credit UnionPrinceton, NJ | 64.1 | 8 | 85 | 94 | 64 | 94 | $137.2M |
| 6 | Mercer County NJ Teachers Federal Credit UnionHamilton Square, NJ | 62.4 | 65 | 52 | 98 | 37 | 62 | $52.2M |
| 7 | Hoboken School Employees Federal Credit UnionHoboken, NJ | 61.7 | 99 | 45 | 46 | 57 | 53 | $75.6M |
| 8 | Ukrainian National Federal Credit UnionNew York, NY · 2 offices here | 61.5 | 85 | 51 | 94 | 35 | 16 | $155.1M |
| 9 | New Jersey Law and Public Safety Credit UnionTrenton, NJ | 57.7 | 35 | 64 | 58 | 82 | 49 | $63.9M |
| 10 | B-M S Federal Credit UnionNew Brunswick, NJ | 57.2 | 52 | 47 | 82 | 76 | 9 | $81.7M |
Not eligible locally? Best credit unions anyone can join
These say on their own sites that almost anyone in the US can join, usually through a partner association. How to join each one
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Chevron Federal Credit UnionConcord, CA · open to anyone | 78.3 | 98 | 65 | 92 | 78 | 37 | $5.4B |
| 2 | Alliant Credit UnionChicago, IL · open to anyone | 71.0 | 99 | 57 | 100 | 28 | 65 | $20.0B |
| 3 | First Technology Federal Credit UnionSan Jose, CA · open to anyone | 68.5 | 95 | 37 | 99 | 29 | 99 | $27.9B |
| 4 | NASA Federal Credit UnionUpper Marlboro, MD · open to anyone | 67.3 | 98 | 49 | 87 | 55 | 21 | $5.8B |
| 5 | Lake Michigan Credit UnionGrand Rapids, MI · open to anyone | 66.8 | 96 | 29 | 64 | 72 | 84 | $17.3B |
How the score works
- Pays savers, 25%: dividends and interest paid on deposits (dividends paid on deposits).
- Loan rates, 25%: the average of its percentiles on the new auto, used auto, credit card, personal loan and first mortgage rates it reported, lower being better (at least two needed).
- Low fees, 20%: fee income per member, lower being better.
- Strength, 20%: the average of its net worth ratio and its share of loans 60 or more days late.
- Members joining, 10%: member growth over 12 months.
Each part is the credit union's percentile among NCUA's peer group of the same asset size, so a $60 million credit union is measured against other $50 million to $100 million credit unions. If member growth is missing, the other parts are reweighted. Ratios follow NCUA's Financial Performance Report. The national list · Definitions
Source: NCUA 5300 Call Report quarterly data and branch file, Q2 2026. Not affiliated with NCUA or any credit union. 57 credit unions scored for New Jersey. · All New Jersey credit unions · New Jersey loan rates · By city
Questions people ask
What is the best credit union in New Jersey?
On our score, built only from NCUA call-report data for Q2 2026, Altra Federal Credit Union ranks first among credit unions with a broad field of membership that serve New Jersey, at 67.2 out of 100, followed by Andrews Federal Credit Union (63.8) and Merck Employees Federal Credit Union (62.8). The best one for you depends on what you need: the lists of best for savers, borrowers and low fees on this page split that out.
Can I join these credit unions?
Every credit union limits who can join. The main list keeps to credit unions that estimate 100,000 or more potential members on their call report, which usually means a whole community or many employers, so many people living or working nearby can join. Check the eligibility rules on the credit union's own site. If you are not eligible anywhere local, the credit unions anyone in the US can join are listed below.
Is money at these credit unions insured?
Yes. Every credit union scored here is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. Credit unions below a 7% net worth ratio, NCUA's line for well capitalized, are left off the list entirely.
Does anyone pay to be on this list?
No. The score uses only the figures each credit union filed with NCUA. Nobody can pay for a place, and no reviews or survey answers are mixed in.