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Aspire Federal Credit Union

Popular Accounts at this Credit Union

0.75%18-month CD15 Month Certificate
1.51%5-year CD60 Month Certificate
0.80%1-year CD12 Month Certificate

Overview / Commentary
67 Walnut Ave
Clark, NJ 07066

Aspire Federal Credit Union was originally founded with a mission to serve employees of the Civil Aeronautics Administration (Federal Aviation Administration). The credit union has since expanded its field of membership into a community of tens of thousands of members.

Aspire FCU offers its members depository products and services as well as loans. Its depository side includes Kasasa Checking and Savings accounts, Money Market accounts and Certificates of Deposit.

Aspire Federal Credit Union online banking gives members access to their accounts via Internet and mobile for tasks like transfers of funds and bill pay.

Aspire FCU began in 1948 as FAA Eastern Region Federal Credit Union before changing to its current name. Its members are generally located in the Northeast, close to the credit union’s headquarters in Clark, New Jersey.

Field of Membership Restrictions

Membership is open to anyone through membership in the American Consumer Council. Membership is also open to employees of the New Jersey Transit Corporation, National Transportation Board, and other Select Employer Groups.
See current membership details

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Reviews (2)

Love The Customer Service

Posted by: Anonymous | Apr 30, 2012

I've been "banking" at Aspire for almost a couple of years now and have to say that it's one of the best CUs I've been a member of. I became a member because at the time they were offering a terrific rate for the Kasasa Cash rewards checking account. But, as we all know, that didn't last, although the rate did hold for a lot longer than I expected. As for the customer service, I simply cannot complain here; they've always been courteous and followed through with any of my requests and/or questions when those would pop up from time to time.

Even though the rates dropped on both Kasasa Savings and Checking, I stayed with Aspire because of the very nice representatives I talked to on occasion.

I LOVE their edeposit feature. I just fill in a couple of things and make sure to mail them the check within seven days. No need to print or fax the check to them, although I have to admit this is also a nice way to do an edeposit. I have this with USAA, the caveat being that I don't have a working printer at this time.

My only true gripe with Aspire is that I am not able to do transfers from them to my other accounts, although USAA does have a very nice transfer feature with no limit on how many accounts I can have. At least I do have my monthly direct deposit going to my Aspire account, so that's one less worry.

A credit union that's well worth joining IMO!

Aspire FCU--Great Rewards Checking Rate, BETTER Customer Service!

Posted by: jep1960 | Jun 24, 2011

 I have been a member since last summer. Great CU! When I lost my wallet last year, they replaced my ATM/Debit card,(no fee!) AND waived the debit card requirement for that month because I was without the card. Shared Branching is GREAT! I go to my old CU, (DCU) and am treated like I was still their depositer! Deposits get credited quick,( I check online after leaving the DCU), at first I used the ATM fee refund, but now, I just use DCU's ATM, and that is free. ATM fee refunds are unlimited, if the fee is over $5, they want you to fax them a copy of the reciept, but other than that you get back the fees. The nearest branch to me is in New Hampshire, but I never use it. It's so quick and easy to use Shared Branching, and there are so MANY Shared Branches. Who needs BOA, or Chase!...LOL Whoever dreamed up Shared Branching is a GENIUS! Why would any CU NOT be a member? I pity the people who bank at the big TBTF banks, because they want alot of branches to go to. Get an RCA at a CU Service Center CU, get PAID to bank AND have alot of Branches to choose from!!


Health Grade Components

NCUA #5800
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD-1.23%
Return on Equity - YTD-14.02%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$181.5MM$178.6MM
LoansQ3 2016vs Q3 2015$139.9MM$154.1MM
DepositsQ3 2016vs Q3 2015$164.4MM$159.1MM
Equity CapitalQ3 2016vs Q3 2015$16.0MM$18.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$3.7MM$2.4MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$4.8MM$5.2MM
Real Estate OwnedQ3 2016vs Q3 2015$464.00K$658.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Aspire Federal Credit Union Savings Account Rates

0.10%*$25k*-Member Savings
OTHER TIERS: 0.01% $500 - $5k | 0.05% $5k - $25k
0.10%*$25k*-Kids Count
OTHER TIERS: 0.01% Up to $5k | 0.05% $5k - $25k
0.10%*$25k*-Vacation Club
OTHER TIERS: 0.01% $500 - $5k | 0.05% $5k - $25k
0.05%--Holiday Club

Aspire Federal Credit Union Money Market Rates

0.80%$50k-Premier Advantage Money Market
0.25%*$20k*-Traditional Money Market Account
OTHER TIERS: 0.05% $2k - $20k

Aspire Federal Credit Union CD Rates

1.51%$500-60 Month Certificate
1.39%$500-36 Month Certificate
1.25%$500-48 Month Certificate
1.00%$500-24 Month Certificate
0.80%$500-12 Month Certificate
0.75%$500-18 Month Certificate
0.75%$1k-15 Month Certificate
0.50%$500-6 Month Certificate
0.20%$500-3 Month Certificate

Aspire Federal Credit Union Locations
Branch Office67 Walnut Ave 1st FloorClark, NJ 07066