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Baker Federal Credit Union

Popular Accounts at this Credit Union

0.30%1-year CD12 Months CD
0.10%SavingsRegular Savings
0.65%3-year CD36 Months CD

Overview / Commentary
501 Baltimore St
Phillipsburg, NJ 08865

Baker Federal Credit Union is headquartered in Phillipsburg and is the 51st largest credit union in the state of New Jersey. It is also the 2,571st largest credit union in the nation. It was established in 1961 and as of June of 2017, it had grown to 14 employees and 4,636 members at 2 locations. Baker Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attends school in Warren County.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Baker Federal Credit Union has a low asset base.

Health Grade Components

NCUA #14127
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD-0.08%
Return on Equity - YTD-1.28%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$40.5MM$38.4MM
LoansQ2 2017vs Q2 2016$32.8MM$31.6MM
DepositsQ2 2017vs Q2 2016$37.7MM$35.6MM
Equity CapitalQ2 2017vs Q2 2016$2.7MM$2.7MM
Loan Loss AllowanceQ2 2017vs Q2 2016$443.00K$433.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$770.00K$945.00K
Real Estate OwnedQ2 2017vs Q2 2016$108.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Baker Federal Credit Union Savings Account Rates

0.25%*$25k*-High Yield Savings
OTHER TIERS: 0.10% $3k - $10k | 0.15% $10k - $25k
0.10%--Regular Savings
0.10%--Kids Klub
0.10%$50-IRA Savings

Baker Federal Credit Union CD Rates

0.65%$500-36 Months CD
0.50%$500-24 Months CD
0.30%$500-12 Months CD
0.15%$500-6 Months CD
0.10%$500-3 Months CD

Baker Federal Credit Union IRA Rates

0.65%$500-36 Months IRA
0.50%$500-24 Months IRA
0.30%$500-12 Months IRA
0.15%$500-6 Months IRA
0.10%$500-3 Months IRA

Baker Federal Credit Union Locations
Branch Office501 Baltimore StPhillipsburg, NJ 08865-1845
Branch Office269 Rt 31 S Suite 6Washington, NJ 07882