Central Jersey Federal Credit Union

Overview / Commentary
380 Berry St
Woodbridge, NJ 07095

Central Jersey Federal Credit Union is headquartered in WOODBRIDGE and is the 37th largest credit union in the state of New Jersey. It is also the 1,909th largest credit union in the nation. It was established in 1936 and as of December of 2018, it had grown to 16 employees and 7,405 members at 1 location. Central Jersey Federal Credit Union has a C- health rating.

Field of Membership Restrictions

Membership is open to teachers in Middlesex County, New Jersey and employees of businesses in the select employer group.
See current membership details

Reviews (1)

Credit union

Posted by: Jed | Jun 8, 2015

I have had an account with this credit union since 2011 and it has been a great experience. They are reliable and are fairly close to where i live. They also are quick to communicate with me if i have any issues with my banking. Also they have great rates for loans and treat you like you are family.

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. Central Jersey Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #1108
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD7.16%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$73.8MM$75.1MM
LoansQ4 2018vs Q4 2017$36.8MM$37.2MM
DepositsQ4 2018vs Q4 2017$68.2MM$69.5MM
Equity CapitalQ4 2018vs Q4 2017$5.3MM$4.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$354.00K$441.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$2.3MM$2.1MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Central Jersey Federal Credit Union Savings Account Rates

0.10%$100-IRA Savings
0.10%$100-Holiday Club
0.10%$100-Vacation Club
0.05%$100-Regular Savings

Central Jersey Federal Credit Union Money Market Rates

0.10%$1k-Money Market

Central Jersey Federal Credit Union CD Rates

1.00%$500-60 Months Share Certificate
0.60%$500-48 Months Share Certificate
0.40%$500-36 Months Share Certificate
0.30%$500-24 Months Share Certificate
0.20%$500-12 Months Share Certificate

Central Jersey Federal Credit Union IRA Rates

1.00%$500-60 Months IRA Certificate
0.60%$500-48 Months IRA Certificate
0.40%$500-36 Months IRA Certificate
0.30%$500-24 Months IRA Certificate
0.20%$500-12 Months IRA Certificate

Central Jersey Federal Credit Union Locations
Branch Office380 BERRY STWOODBRIDGE, NJ 07095

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