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Central Jersey Federal Credit Union

Popular Accounts at this Credit Union

1.00%5-year CD60 Month Share Certificate
0.20%1-year CD12 Month Share Certificate
0.05%SavingsRegular Savings

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 1,881st largest credit union in the nation. It was established in 1936 and as of December of 2017, it had grown to 16 employees and 7,783 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 - YTD0.55%
Return on Equity - YTD8.45%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$75.1MM$74.0MM
LoansQ4 2017vs Q4 2016$37.2MM$36.8MM
DepositsQ4 2017vs Q4 2016$69.5MM$69.0MM
Equity CapitalQ4 2017vs Q4 2016$4.9MM$4.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$441.00K$472.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.1MM$1.0MM
Real Estate OwnedQ4 2017vs Q4 2016$0$133.00K
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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 Account

Central Jersey Federal Credit Union CD Rates

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

Central Jersey Federal Credit Union IRA Rates

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

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

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