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Jersey Central Federal Credit Union

Popular Accounts at this Credit Union

1.88%5-year CD5 Year CD
0.75%1-year CD12 Month CD
0.75%SavingsShare Savings Account

Overview / Commentary
23 North Ave E
Cranford, NJ 07016-2196

Jersey Central Federal Credit Union is headquartered in Cranford and is the 72nd largest credit union in the state of New Jersey. It is also the 3,465th largest credit union in the nation. It was established in 1937 and as of December of 2017, it had grown to 8 employees and 3,277 members at 1 location. Jersey Central Federal Credit Union's savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of Amtrak, Conrail, Capobianco & Gaudenzi Accountants & Auditors, CSX, CW Brabender Instruments, Coast to Coast Legal Funding, Delta Dental of NJ, Hayward Industries, Eaton Corporation, New Jersey Transit, Norfolk Southern, New York New Jersey Rail, Raritan Central Railway, Topco Inc., Schielke Insurance Agency.
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. Jersey Central Federal Credit Union has a low asset base.

Health Grade Components

NCUA #2493
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD0.54%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$18.6MM$18.2MM
LoansQ4 2017vs Q4 2016$11.5MM$11.8MM
DepositsQ4 2017vs Q4 2016$14.6MM$14.3MM
Equity CapitalQ4 2017vs Q4 2016$3.9MM$3.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$241.00K$275.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$81.00K$130.00K
Real Estate OwnedQ4 2017vs Q4 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.

Jersey Central Federal Credit Union Savings Account Rates

0.75%*$25k*-Share Savings Account
OTHER TIERS: 0.30% $100 - $2,500 | 0.45% $2,500 - $10k | 0.60% $10k - $25k

Jersey Central Federal Credit Union Checking Account Rates

0.30%*$20k*-Checking Account
OTHER TIERS: 0.10% $5k - $10k | 0.20% $10k - $20k

Jersey Central Federal Credit Union CD Rates

1.88%*$50k*-5 Year CD
OTHER TIERS: 1.85% $500 - $50k
1.49%*$50k*-4 Year CD
OTHER TIERS: 1.44% $500 - $50k
1.32%*$50k*-3 Year CD
OTHER TIERS: 1.27% $500 - $50k
1.10%*$50k*-2 Year CD
OTHER TIERS: 1.05% $500 - $50k
0.78%*$50k*-18 Month CD
OTHER TIERS: 0.73% $500 - $50k
0.75%*$50k*-12 Month CD
OTHER TIERS: 0.70% $500 - $50k
0.58%*$50k*-9 Month CD
OTHER TIERS: 0.56% $500 - $50k
0.46%*$50k*-6 Month CD
OTHER TIERS: 0.45% $500 - $50k
0.34%*$50k*-3 Month CD
OTHER TIERS: 0.31% $500 - $50k

Jersey Central Federal Credit Union Locations
Branch Office23 North Ave ECranford, NJ 07016-2196