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North Jersey Federal Credit Union offers a comprehensive line of financial services and products to meet the needs of your business. If you own a business, you and your employees can take advantage of all the unique benefits that NJFCU has to offer. You are eligible for membership if you live, work, worship, attend school or regularly conduct business in Passaic or Bergen Counties or the underserved areas of Essex or Union Counties or the City of Newark. Credit Unions are member-owned cooperatives; in fact, that's why your savings are technically called "shares." Unlike a for-profit bank, in which profits go back to a select group of stockholders, not-for-profit credit unions are organized to return all the profits to member-owners in the form of lower loan rates, higher savings rates, and lower fees. Mission: Our goal is to enable our members to have financial freedom and to empower our communities to reach their goals. We pledge to build and strengthen relationships with our members and employees by treating them with dignity and respect.