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First Jersey Credit Union

Popular Accounts at this Credit Union

2.00%Reward CheckingBonus Checking
2.33%5-year CD5 Year CD
1.97%1-year CD1 Year CD

Overview / Commentary
1 Corporate Dr
Wayne, NJ 07470

First Jersey Credit Union is headquartered in Wayne and is the 33rd largest credit union in the state of New Jersey. It is also the 1,737th largest credit union in the nation. It was established in 1929 and as of December of 2017, it had grown to 16 employees and 9,045 members at 1 location. First Jersey Credit Union's savings rates are 3X the national average, but it has a F health rating.

Field of Membership Restrictions

First Jersey Credit Union of New Jersey is open to the residents, church members, registered students, and the people that maintain employment within these qualified counties: Bergen, Passaic, Essex, Hudson, and Union, along with the family members of current credit union members.
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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. First Jersey Credit Union has a relatively low asset base, and a negative return on assets.

Health Grade Components

NCUA #62750
Year Chartered1929
Primary Regulator
Profit Margin
Return on Assets - YTD-10.09%
Return on Equity - YTD0%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$85.8MM$117.6MM
LoansQ4 2017vs Q4 2016$58.6MM$72.6MM
DepositsQ4 2017vs Q4 2016$85.5MM$106.5MM
Equity CapitalQ4 2017vs Q4 2016($946,000)$9.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$5.8MM$3.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$3.4MM$5.7MM
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Jersey Credit Union Savings Account Rates

1.51%*$250k*-Super Saver Account
OTHER TIERS: 0.50% $2,500 - $10k | 0.90% $10k - $50k | 1.26% $50k - $100k | 1.41% $100k - $250k
0.20%*$2k*-IRA Shares
OTHER TIERS: 0.10% $10 - $2k
0.10%--Share Saver Account
0.10%--Mighty Savers Kids' Account
0.10%--Holiday Club
0.10%--Vacation Club
0.10%--New Baby Account

First Jersey Credit Union Checking Account Rates

2.00%*-$10kBonus Checking
OTHER TIERS: 0.05% $10k+
0.05%--Freedom Checking

First Jersey Credit Union CD Rates

2.33%$1k-3 Year CD
2.33%$1k-5 Year CD
2.22%$1k-2 Year CD
2.02%$1k-18 Month CD
1.97%$1k-1 Year CD
1.51%$1k-6 Month CD

First Jersey Credit Union IRA Rates

2.33%$1k-3 Year IRA
2.33%$1k-5 Year IRA
2.22%$1k-2 Year IRA
2.02%$1k-18 Month IRA
1.97%$1k-1 Year IRA
1.51%$1k-6 Month IRA

First Jersey Credit Union Locations
Branch Office1 Corporate DrWayne, NJ 07470