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NJGFCU, originally chartered in 1969 as the Dayton NJ IBM Employees Federal Credit Union, now serves a wide variety of Employer Groups as well as individuals and families. Anyone who lives, works, attends school or worships in Middlesex County is eligible to join. What we offer ... As a full-service financial institution, we offer savings and checking products as well as a vast array of lending options, ranging from personal or signature loans to 40-year mortgages. Our members also enjoy the many advantages available to them through Internet technology. All our online services are free to members. How we do it ... NJ Gateway is non-profit. Governed by a volunteer Board of Directors and Supervisory Committee elected by our members, NJ Gateway turns profits into paybacks, with lower rates on loans, higher rates on savings, and new products and technology. As is the philosophy of the entire credit union movement, NJ Gateway is focused on better and better service, not higher and higher profits. NJ Gateway FCU will remain at the forefront to always meet the financial needs of our members, but our long-standing commitment to the credit union philosophy of "People Helping People" remains the same.