The Credit Union of New Jersey (CUNJ) is a member-owned financial cooperative serving residents, employees, and organizations within designated fields of membership in New Jersey. As a credit union, its core purpose centers on safeguarding depositors’ funds, offering a range of financial products, and facilitating payments and lending activities under cooperative governance. CUNJ operates within a framework designed to promote thrift, member control, and equitable access to financial services, with decisions made through member meetings and a voluntary board of directors elected by members. The organization emphasizes cooperative principles such as open membership, limited return of surplus earnings, and democratic participation, aligning its operations with fiduciary responsibilities to its members.
Historically, credit unions in New Jersey emerged from community-based efforts to provide affordable financial services and credit access. An institution like CUNJ typically developed through community outreach, adherence to regulatory and supervisory standards, and investments in member education and financial literacy. Its primary functions include accepting deposits, providing consumer and small-business loans within applicable regulatory frameworks, and offering related services meant to support members’ financial stability and daily transactional needs. The organization operates under state and federal guidelines governing credit unions.
Better than 40% of providers in Trenton
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Credit Union of New Jersey is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Credit Union of New Jersey is listed as a financial service provider in Trenton, NJ and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Credit Union of New Jersey to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Credit Union of New Jersey, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Credit Union of New Jersey with other providers in Trenton and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Credit Union of New Jersey has a rating of 3.9, which is better than 40% of providers in Trenton.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Credit Union of New Jersey requests. It is always best to call ahead using the phone number on this page so Credit Union of New Jersey can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Credit Union of New Jersey also offers: Credit union.