Featured Savings Rates
Featured Accounts

Irco Community Federal Credit Union

Popular Accounts at this Credit Union

1.36%5-year CD60 Month CD
0.25%1-year CD12 Month CD
0.05%SavingsShare Savings Account

Overview / Commentary
450 Hillcrest Blvd
Phillipsburg, NJ 08865

Irco Community Federal Credit Union is headquartered in Phillipsburg and is the 38th largest credit union in the state of New Jersey. It is also the 1,896th largest credit union in the nation. It was established in 1966 and as of December of 2016, it had grown to 21 employees and 8,702 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


No reviews have been left for this bank yet. Be the first to review.

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 - YTD-0.26%
Return on Equity - YTD-3.89%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$73.6MM$72.8MM
LoansQ4 2016vs Q4 2015$38.3MM$37.6MM
DepositsQ4 2016vs Q4 2015$68.9MM$67.5MM
Equity CapitalQ4 2016vs Q4 2015$4.9MM$5.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$237.00K$233.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$397.00K$696.00K
Real Estate OwnedQ4 2016vs Q4 2015$37.00K$0
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Irco Community Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.05%--Share Savings Account
0.05%--Holiday Club Account
0.05%--IRA Share Savings Account
0.05%--Vacation Club Account
0.05%--On-The-Go 50+ Club
0.05%--Kids Club Account

Irco Community Federal Credit Union CD Rates

1.36%$500-60 Month CD
0.65%$500-36 Month CD
0.60%$500-30 Month CD
0.55%$500-24 Month CD
0.50%$500-18 Month CD
0.25%$500-12 Month CD
0.15%$500-9 Month CD
0.15%*$10k*-6 Month CD
OTHER TIERS: 0.10% $500 - $10k
0.10%$500-3 Month CD

Irco Community Federal Credit Union IRA Rates

0.40%$500-30 Month IRA
0.25%$500-12 Month IRA

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