All Rates

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Credit Card Rates

Get more flexibility with a credit card that fits your needs

View our current credit card rate and find a simple option for everyday purchases, planned expenses, or added financial flexibility.
Federally Insured by NCUA
Up to $250,000 per account
Est. 1960
60+ Years Serving Members
Member-Owned
Not-for-Profit

Rates are subject to change at any time.
We are not responsible for typographical errors.

Need help or more details?
Contact Member Services at (973) 471-0700 ext. 120

APR = Annual percentage rate
APY = Annual percentage yield

Effective August 3, 2026

Credit Card

Type
Rate
APR
Credit Card / Visa Line-of-Credit
9.900%
9.900%
Support

FAQs

You can qualify for membership through one of two options:

1. Organization or Community Affiliation
Choose one:

  • I would like to join the Self Reliance Association of Ukrainian Americans
  • I am already a member of the Self Reliance Association of Ukrainian Americans
  • I live in, or am affiliated with, an organization or community group in Passaic County, New Jersey

2. Family Relationship

  • I am related to an existing member of Nova UA FCU.

       You will need to provide your relative’s first and last name.

Please note: If you are not already a member of the Self Reliance Association of Ukrainian Americans, you may choose to join it as part of your Nova UA FCU membership eligibility. Membership is free, voluntary, and does not require dues or participation.

We offer a range of accounts to meet your personal or business needs, including:

  1. Share (Savings) Accounts – Start your membership and save securely.
  2. Share Draft (Checking) Accounts – Manage your everyday spending with ease.
  3. Teen Accounts (Ages 16+) – For teens learning to manage money. Must be a joint account with a parent or guardian.
  4. Certificates of Deposit (CDs) – Earn higher dividends with fixed-term savings.
  5. Individual Retirement Accounts (IRAs) – Save for your future with tax-advantaged options.
  6. Business Accounts – Designed for small businesses and organizations.

You can become a member by opening a Share (Savings) Account with a minimum deposit of $50.This deposit represents your ownership share in the credit union and is required to maintain your membership.

There is no membership fee to join Nova UA FCU.
However:

  • A $50 minimum deposit is required to open and keep your Share Savings Account.
  • Business accounts have a $15 monthly maintenance fee.

Yes. Your deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency.

Absolutely! You can continue to use your Nova UA FCU accounts no matter where you live.

With our convenient digital services, you can:

  • Access your account through online banking and our mobile app
  • Use remote check deposit to deposit checks from your phone
  • Set up direct deposit at your job for quick and secure access to your paycheck
  • Withdraw cash and check balances using our nationwide ATM network

Your membership moves with you!

Got questions?
We’re here to help.

Whether you're opening your first account or exploring your credit options — our team is just a message away.

Contact Us