Overview / Commentary
450 Hillcrest Blvd
Phillipsburg, NJ 08865

IRCO Community Federal Credit Union is headquartered in Phillipsburg and is the 35th largest credit union in the state of New Jersey. It is also the 1,889th largest credit union in the nation. It was established in 1966 and as of September of 2018, it had grown to 21 employees and 8,678 members at 1 location. IRCO Community Federal Credit Union's CD rates are 29% higher than the national average, and it 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.
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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 - YTD0.41%
Return on Equity - YTD5.37%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$75.2MM$75.6MM
LoansQ3 2018vs Q3 2017$39.6MM$39.3MM
DepositsQ3 2018vs Q3 2017$69.0MM$69.9MM
Equity CapitalQ3 2018vs Q3 2017$5.8MM$5.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$316.00K$316.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$260.00K$251.00K
Real Estate OwnedQ3 2018vs Q3 2017$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.

IRCO Community Federal Credit Union Savings Account Rates

0.10%--Share Savings Account
0.10%--IRA Share Savings Account
0.10%--Club Accounts

IRCO Community Federal Credit Union CD Rates

2.27%$500-60 Month CD
1.81%*$10k*-18 Month CD
OTHER TIERS: 0.75% $500 - $10k
1.46%$500-36 Month CD
1.36%$500-30 Month CD
1.31%$500-24 Month CD
1.16%*$10k*-12 Month CD
OTHER TIERS: 0.45% $500 - $10k
0.65%*$10k*-6 Month CD
OTHER TIERS: 0.25% $500 - $10k
0.35%$500-9 Month CD
0.20%$500-3 Month CD

IRCO Community Federal Credit Union IRA Rates

1.36%$500-30 Month IRA
1.01%$500-12 Month IRA

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

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