Featured Savings Rates
Featured Accounts

IRCO Community Federal Credit Union

Popular Accounts at this Credit Union

1.46%5-year CD60 Month CD
0.45%1-year CD12 Month CD
0.08%SavingsShare Savings Account

Overview / Commentary
450 Hillcrest Blvd
Phillipsburg, NJ 08865

IRCO Community Federal Credit Union is headquartered in Phillipsburg and is the 37th largest credit union in the state of New Jersey. It is also the 1,882nd largest credit union in the nation. It was established in 1966 and as of June of 2017, it had grown to 21 employees and 8,666 members at 1 location. IRCO Community Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, volunteer or regularly conduct business in Phillipsburg or Alpha or the Townships of Franklin, Greenwich, Harmony, Lopatcong and Pohatcong, New Jersey.
See current membership details


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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. IRCO Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #17395
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.74%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$75.7MM$75.2MM
LoansQ2 2017vs Q2 2016$38.8MM$38.2MM
DepositsQ2 2017vs Q2 2016$70.8MM$70.2MM
Equity CapitalQ2 2017vs Q2 2016$4.9MM$5.8MM
Loan Loss AllowanceQ2 2017vs Q2 2016$269.00K$233.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$283.00K$643.00K
Real Estate OwnedQ2 2017vs Q2 2016$154.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

IRCO Community Federal Credit Union Savings Account Rates

0.08%--Share Savings Account
0.08%--Holiday Club Account
0.08%--IRA Share Savings Account
0.08%--Vacation Club Account
0.08%--On-The-Go 50+ Club
0.08%--Kids Club Account
0.08%--VIP 24-49 Club

IRCO Community Federal Credit Union CD Rates

1.46%$500-60 Month CD
0.70%$500-36 Month CD
0.65%$500-30 Month CD
0.60%$500-24 Month CD
0.55%$500-18 Month CD
0.45%*$10k*-12 Month CD
OTHER TIERS: 0.30% $500 - $10k
0.20%$500-9 Month CD
0.20%*$10k*-6 Month CD
OTHER TIERS: 0.10% $500 - $10k
0.10%$500-3 Month CD

IRCO Community Federal Credit Union IRA Rates

0.65%$500-30 Month IRA
0.45%$500-12 Month IRA

IRCO Community Federal Credit Union Locations
Branch Office450 Hillcrest BlvdPhillipsburg, NJ 08865