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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 31st largest credit union in the state of New Jersey. It is also the 1,688th largest credit union in the nation. It was established in 1929 and as of September of 2017, it had grown to 18 employees and 9,562 members at 2 locations. First Jersey Credit Union has a D 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-8.08%
Return on Equity - YTD-360.46%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$91.0MM$125.1MM
LoansQ3 2017vs Q3 2016$63.1MM$78.3MM
DepositsQ3 2017vs Q3 2016$88.1MM$110.9MM
Equity CapitalQ3 2017vs Q3 2016$2.2MM$12.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$6.8MM$1.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$5.6MM$4.8MM
Real Estate OwnedQ3 2017vs Q3 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

0.30%*$100k*-Super Saver Account
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $100k
0.20%*$2k*-IRA Shares
OTHER TIERS: 0.10% $10 - $2k
0.20%*$2k*-Roth 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

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