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First Jersey Credit Union

Popular Accounts at this Credit Union

2.00%Reward CheckingBonus Checking
1.26%5-year CD5 Year CD
0.50%1-year CD1 Year CD

Overview / Commentary
1 Corporate Dr
Wayne, NJ 07470

First Jersey Credit Union is headquartered in Wayne and is the 25th largest credit union in the state of New Jersey. It is also the 1,421st largest credit union in the nation. It was established in 1929 and as of December of 2016, it had grown to 24 employees and 10,710 members at 2 locations. First Jersey Credit Union has a C 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 negative return on assets.

Health Grade Components

NCUA #62750
Year Chartered1929
Primary Regulator
Profit Margin
Return on Assets - YTD-2.14%
Return on Equity - YTD-26.93%
Annual Interest Income$5.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$117.6MM$143.9MM
LoansQ4 2016vs Q4 2015$72.6MM$86.4MM
DepositsQ4 2016vs Q4 2015$106.5MM$129.9MM
Equity CapitalQ4 2016vs Q4 2015$9.7MM$12.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$3.3MM$3.0MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$5.7MM$3.9MM
Real Estate OwnedQ4 2016vs Q4 2015$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

0.35%*$100k*-Super Saver Account
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $100k
0.25%*$2k*-IRA Shares
OTHER TIERS: 0.15% $10 - $2k
0.25%*$2k*-Roth IRA Shares
OTHER TIERS: 0.15% $10 - $2k
0.15%--Share Saver Account
0.15%--Mighty Savers Kids' Account
0.15%--Holiday Club
0.15%--Vacation Club
0.15%--New Baby Account

First Jersey Credit Union Checking Account Rates

2.00%*-$10kBonus Checking
OTHER TIERS: 0.10% $10k+
0.10%--Freedom Checking

First Jersey Credit Union CD Rates

1.26%$1k-5 Year CD
1.16%$1k-3 Year CD
1.00%$1k-2 Year CD
0.50%$1k-1 Year CD
0.25%$1k-6 Month CD

First Jersey Credit Union IRA Rates

1.26%$1k-5 Year IRA
1.16%$1k-3 Year IRA
1.00%$1k-2 Year IRA
0.50%$1k-1 Year IRA
0.25%$1k-6 Month IRA

First Jersey Credit Union Locations
Branch Office245 Diamond Bridge AveHawthorne, NJ 07506
Branch Office1 Corporate DrWayne, NJ 07470