Save with confidence.
Build a secure future
Build financial security with a no-fee, interest-earning Nova UA FCU Savings Account. Get started with just $50.
Your first step into membership — A Nova UA FCU Savings Account is your gateway to becoming part of our Credit Union community.
Start your journey with only $50. This account is perfect for saving towards emergencies or personal goals, and you can manage it effortlessly online or via our mobile app.
By opening this account, you automatically become a member-owner of Nova UA FCU.
Four ways our Savings Account works for you.
Encourages Smart Spending
Keeping your savings separate from your everyday spending helps reduce impulse purchases and keeps you focused on financial priorities.
Supports Your Financial Goals
A savings account makes it easier to set aside money for specific goals like travel, education, major purchases, or unexpected emergencies.
Earns Interest on Your Balance
Grow your money over time — balances over $100 in your savings account earn interest, helping your savings work for you.
Easy Access With Digital Banking
Manage your savings anytime, anywhere using online and mobile banking tools offered by Nova UA FCU.
Safe & Secure With NCUA Insurance
Your savings are federally insured by the NCUA, providing peace of mind that your money is protected up to legal limits.
Small steps. Big results for your future.
Build your savings automatically with simple tools.
Have your paycheck go straight into your Savings Account to start growing automatically.
Move money from your Checking Account on a regular schedule to keep your savings on track.
Use Online or Mobile Banking to monitor your balance and adjust transfers whenever you need.
Bank with people who know you — and put your needs first.
Member-Focused Service
As a not-for-profit credit union, Nova UA FCU puts members first — offering personalized service and financial solutions that prioritize your needs.
Competitive Rates & Low Fees
Enjoy better rates on loans and savings accounts, with fewer fees than traditional banks — helping you keep more of your money.
Easy Membership With Savings Account
Becoming a member is simple: just open a savings account and start enjoying all the benefits of credit union membership.
Convenient Digital Banking
Manage your accounts anytime, anywhere with our secure online and mobile banking tools — making banking easier than ever.
Safe & Federally Insured
Your deposits are protected by the NCUA, giving you peace of mind with up to $250,000 in federal insurance coverage.
Opening an account is easy. Your money is safe.
Federally insured up to $250,000 with fraud monitoring and secure mobile access.
Since 1960
People Helping People
Click “Become a Member” to check if you’re eligible to open an account.
Access to better rates, fewer fees, personal service, and smart digital tools.
Apply online in minutes or visit one of our branches.
Who can join Nova UA FCU?
You can become a member if any of the following apply to you:
- You live, work, worship, or attend school in Passaic County, New Jersey
- You are an immediate family member of a current Nova UA FCU member
- You are a member of one of the following organizations (membership is free or easy to join):
- Self Reliance Association of American Ukrainians – Passaic Branch
- Passaic County Historical Society
If you're not currently a member of one of these organizations, contact us and we’ll help you join — it’s quick and simple!
What types of accounts does Nova UA FCU offer?
We offer a range of accounts to meet your personal or business needs, including:
- Share (Savings) Accounts – Start your membership and save securely.
- Share Draft (Checking) Accounts – Manage your everyday spending with ease.
- Teen Accounts (Ages 16+) – For teens learning to manage money. Must be a joint account with a parent or guardian.
- Certificates of Deposit (CDs) – Earn higher dividends with fixed-term savings.
- Individual Retirement Accounts (IRAs) – Save for your future with tax-advantaged options.
- Business Accounts – Designed for small businesses and organizations.
How do I become a member?
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.
Is there a membership fee?
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.
Are my deposits insured?
Yes. Your deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency.
Can I access my account if I move out of state?
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.
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