The Credit Union Difference

The Credit Union Difference

At MCNJTFCU, we uphold the cooperative philosophy of people helping people.

Providing exceptional financial services and helping you to achieve your life goals are core values we abide by every day. Become part of a worldwide phenomenon.

The Difference

As a member, you become part of a not-for-profit financial cooperative, and, like more than 120 million members nationwide, you’ll discover the credit union difference. Decisions are made locally with you in mind, and we always put people before profits. Earnings are returned to you in the form of lower loan rates, higher interest on deposits, and lower fees.

Credit unions are also democratic, with each member owning an equal share. Members are encouraged to attend our annual meeting and can vote and even run for our board of directors. Volunteers play a crucial role in the way we conduct business, while our professional staff serve you and craft the policies and programs that serve all members.

Save money with fewer fees.

We can help you to compare the costs of banking at your current institution. We’ll sit down and review items such as:

Minimum balance requirements.

Transaction fees on savings accounts.

Monthly charges on a checking account.

Transaction fees for debit cards.

ATM fees.

Loan rates and fees.

Penalties or fees for paying early on loans.

Annual fees on credit cards.

Credit card balance transfer fees.

Online or mobile banking access.

Stop in for your complimentary review.

We’re confident that we can save you money now and as your needs evolve.

We're Here For You

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