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1615 Hurffville Rd PO Box 5530
Deptford, NJ 08096

South Jersey Federal Credit Union is headquartered in Deptford and is the 5th largest credit union in the state of New Jersey. It is also the 639th largest credit union in the nation. It was established in 1940 and as of March of 2014, it had grown to 107 employees and 45,074 members. South Jersey Federal Credit Union's savings rates are 73% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, works, worships or attends school in any of the following New Jersey communities: Atlantic City, Bridgeton, Camden, Millville, Pleasantville, Salem and Vineland. You can also be eligible via select employers or via family. Please see the credit union's eligibility page for more details. - See Details

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Special 18-Month CD Rate at South Jersey FCU - 3/26/2014

South Jersey Federal Credit Union is offering a very competitive rate on a special 18-month CD. It has a 1.26% APY with a $1,000 minimum deposit. The rate is also available in an IRA CD. This special ...

Reviews (2)

Fees Equal Stealing

I just received my quarterly statement from South Jersey FCU. To my surprise I have given them $15.00 or $5 for the prior 3 months. Tomorrow I go to close the account. It is hard to believe that it costs $5 a month for a computer to keep track of someone's money especially when there is not any activity occurring on it. I am sure SJFCU is hurting for that substantial amount of money, but to me it is equivalent to thievery. I never received any statement indicating that I was in jeopardy of having my money stolen from me or else I would have gone and closed the account thus thereby saving them them the postage and the sheet of paper showing my new activity of taking the FEES. I will never suggest or give any positive comments about SJFCU to any fellow employee!! Funny thing is, in my statement there is an add from Sprint with the tagline "Why throw away your money?" They must have read my mind.



I open a savings account at my local (pleasantville) branch. it seemed like a good idea at the time. no min balance due, no monthly fees, earn a tiny % of intrest. what more can you ask for. well I guess customer service would be one of them. They lack customer service. you have to greet them and they still dont greet you, upon leaving I always say thank you to not get any response. I rather pay a 2.99 monthly convience fee at my local TD branch then to invest my money into south jersey federal credit union to be treated like a inconvience to them.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 South Jersey Federal Credit Union had $3.72 million in non-current loans and owned real-estate with $30.93 million in equity and loan loss allowances on hand to cover it. This gives South Jersey Federal Credit Union a Texas Ratio of 12.02% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for South Jersey Federal Credit Union experienced no significant changes from 12.50% as of March 31, 2013 to 12.02% as of March 31, 2014, resulting in a positive change of 3.88%.This indicates that the balance sheet and financial strength for South Jersey Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, South Jersey Federal Credit Union has increased its total deposits by $81,000, resulting in 0.03% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth South Jersey Federal Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. South Jersey Federal Credit Union has $335 million in assets with $30.93 million in equity, resulting in a capitalization level of 9.23%, which is average.

Institution Statistics

NCUA #3951
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$335.00 million
Loans$126.17 million
Deposits$305.17 million
Equity Capital$28.32 million
Loan Loss Allowance$2.61 million
Unbacked Noncurrent Loans$3.29 million
Real Estate Owned$425,000
Historic Data - March 2013
Assets$334.59 million
Equity Capital$25.58 million
Loan Loss Allowance$3.01 million
Unbacked Noncurrent Loans$3.29 million
Real Estate Owned$591,000
Profit Margin - Quarterly
Net Interest Margin1.47%
Return on Assets0.23%
Return on Equity2.7%
Interest Income$2.46 million

Always verify rates and promotions with the bank or credit union. We are not South Jersey Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

South Jersey Federal Credit Union Savings Account Rates

0.90%$50k-IRA Savings
0.90%$50k-Roth IRA Savings
0.90%$50k-CESA Savings
0.25%$25k-Statement Savings
0.20%$5k-Teacher's Club
0.20%--Christmas Club
0.20%--Vacation Club
0.10%--Special Savings

South Jersey Federal Credit Union Money Market Rates

0.45%$100k-MEGA Money Market
0.25%$25k-SUPER Money Market
0.18%$1,500-Money Market

South Jersey Federal Credit Union Checking Account Rates


South Jersey Federal Credit Union CD Rates

1.51%$1k-4 Year CD
1.51%$1k-5 Year CD
1.26%$1k-18 Month CD Special
1.10%$1k-3 Year CD
1.00%$1k-2 Year CD
0.35%$1k-1 Year CD

South Jersey Federal Credit Union IRA Rates

1.51%$1k-4 Year IRA
1.51%$1k-5 Year IRA
1.26%$1k-18 Month IRA Special
1.10%$1k-3 Year IRA
1.00%$1k-2 Year IRA
0.35%$1k-1 Year IRA

South Jersey Federal Credit Union Locations
Branch Office1615 Hurffville Rd PO Box 5530Deptford, NJ 08096
Branch Office15 W WEST JERSEY AVEPleasantville, NJ 08232
Branch Office700 Haddonfield Berlin Rd Eagle PlazaVoorhees, NJ 08043-4305
Branch OfficeWoodbridge Development Center 1275 Rahway AveAvenel, NJ 07001
Branch Office1201 N Church StMoorestown, NJ 08057
Branch Office1615 Hurffville RoadDeptford, NJ 08096
Branch Office423 Market StCamden, NJ 08102-1525
Branch Office106 W Landis AveVineland, NJ 08360