Credit Unions You Can Join in New Jersey

Community credit unions in New Jersey that take members by where you live, work, worship or go to school. Each one is listed largest first, with its own wording and the site we read it on.

Credit unions anyone can join, wherever you live →

How to qualify in New Jersey

A community credit union serves the area named in its charter. If you live, work, worship or study there, you can usually join; many also accept people who run a business or volunteer in the area.

Relatives and household members of a member can often join too. Check the wording below against where you live, then open a share account to become a member.

Three routes into membership: Where you live, Your job or group, Your family. Each ends with opening a share (savings) account, which makes you a member-owner.Where you livelive, work, worship or study in the named areaYour job or groupemployer, union, church or association namedYour familya relative or household member already belongsOpen a shareaccountyou are now a member-owner
Every route ends the same way: a small deposit into a share account makes you a member. Check the credit union's own wording for the exact rules.

Community credit unions in New Jersey

Members, largest first: North Jersey Credit Union 27,665; Picatinny Credit Union 19,834; Liberty Savings Credit Union 18,085; Jersey Shore Credit Union 16,365; The Atlantic Credit Union 14,754; First Financial Credit Union 14,452; Campbell Credit Union 10,782; Advanced Financial Credit Union 6,459North Jersey Credit Union28kPicatinny Credit Union20kLiberty Savings Credit Union18kJersey Shore Credit Union16kThe Atlantic Credit Union15kFirst Financial Credit Union14kCampbell Credit Union11kAdvanced Financial Credit Union6,459
Members of the largest community credit unions in New Jersey, from NCUA data.
  1. North Jersey Credit Union

    Where you live or work

    Totowa, NJ · 27,665 members · $253 million in assets

    “You are eligible for membership if you live, work, worship, attend school or regularly conduct business in Passaic, Bergen Counties and the underserved areas of Essex or Union Counties, or the City of Newark.”from njfcu.org
    Full details and how to join →
  2. Picatinny Credit Union

    Where you live or work

    Dover, NJ · 19,834 members · $465 million in assets

    “Picatinny Federal Credit Union is a not-for-profit, full-service financial institution open to anyone who lives, works, worships or attends school in Morris, Essex, Somerset and Union counties.”from picacreditunion.com
    Full details and how to join →
  3. Liberty Savings Credit Union

    Where you live or work

    Jersey City, NJ · 18,085 members · $132 million in assets

    “Membership in Liberty Savings Federal Credit Union is open to persons who live, work, worship, or attend school in Hudson County, New Jersey.”from lsfcu.org
    Full details and how to join →
  4. Jersey Shore Credit Union

    Where you live or work

    Northfield, NJ · 16,365 members · $245 million in assets

    “Membership is available to anyone who lives, works, worships, volunteers or attends school in Atlantic or Cape May counties, as well as employees or members of an organization in our Community Network.”from jerseyshorefcu.org
    Full details and how to join →
  5. The Atlantic Credit Union

    Where you live or work

    Kenilworth, NJ · 14,754 members · $240 million in assets

    “Membership is available to anyone who lives, works, worships, attends school or regularly does business in Union or Essex counties in New Jersey.”from theatlanticfcu.com
    Full details and how to join →
  6. First Financial Credit Union

    Where you live or work

    Freehold, NJ · 14,452 members · $178 million in assets

    “Anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties in NJ - can become a First Financial member.”from firstffcu.com
    Full details and how to join →
  7. Campbell Credit Union

    Where you live or work

    Maple Shade, NJ · 10,782 members · $139 million in assets

    “If you live, work or worship in the metropolitan Philadelphia, PA, Camden, NJ or Wilmington, DE areas in the zip codes listed below you may also qualify for membership through a new charter designation from NCUA.”from campbellcu.org
    Full details and how to join →
  8. Advanced Financial Credit Union

    Where you live or work

    New Providence, NJ · 6,459 members · $107 million in assets

    “Membership is available to anyone who lives, works, attends school, or worships in Union and Essex counties, New Jersey.”from advfinfcu.com
    Full details and how to join →
  9. Roselle, NJ · 2,726 members · $31 million in assets

    “Today membership is open to anyone who lives, works or worships in Union County, NJ.”from cfsfcu.com
    Full details and how to join →
  10. Hamilton Horizons Credit Union

    Where you live or work

    Hamilton, NJ · 2,656 members · $19 million in assets

    “These benefits of membership are for anyone who lives, works, worships, attends school or is part of an organization in Hamilton Township, New Jersey (Mercer County) or is related to a current or potential member is eligible to join Hamilton Horizons.”from hamiltonhorizons.org
    Full details and how to join →
  11. Manville Area Credit Union

    Where you live or work

    Manville, NJ · 1,871 members · $30 million in assets

    “You are eligible for membership in Manville Area Federal Credit Union if you meet one or more of the following qualifications: A resident of Somerset County, NJ, Employed by a company based in Somerset County, NJ, Worship in Somerset County, NJ, Please print…”from manville.org
    Full details and how to join →
  12. 1st Bergen Credit Union

    Where you live or work

    Hackensack, NJ · 1,697 members · $11 million in assets

    “1st Bergen’s field of membership is open to persons who live, work, worship, volunteer, attend school, or conduct business in Bergen County, Ocean County, Paterson , or Jersey City, NJ .”from 1stbergen.com
    Full details and how to join →

Who can join, across New Jersey's credit unions

Who can join, across 126 credit unions in New Jersey. Anyone can join: 0; Anyone, via an association or donation: 0; Live, work or worship in a named area: 12; Employer, union or church group: 6; Sentence too vague to sort: 17; No eligibility sentence on file: 91Anyone can join0Anyone, via an association or donation0Live, work or worship in a named area12Employer, union or church group6Sentence too vague to sort17No eligibility sentence on file91
Credit unions in New Jersey on NCUA's list, sorted by the eligibility sentence on each one's own website.

Not in one of these areas?

Some credit unions take anyone, directly or through an association, wherever you live. The largest include Connexus Credit Union, American Heritage Credit Union, Utah Community Credit Union.