Jersey Central Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.88%	5-year CD	5 Year CD 2.35% - Synchrony Bank 60 Month CD
0.75%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.75%	Savings	Share Savings Account 1.20% - Goldman Sachs Bank USA Online Savings

View all Jersey Central Federal Credit Union rates »

Overview / Commentary

www.jerseycentralfcu.com

888-772-3040

23 North Ave E
Cranford, NJ 07016-2196

Jersey Central Federal Credit Union is headquartered in Cranford and is the 72^nd largest credit union in the state of New Jersey. It is also the 3,542^nd largest credit union in the nation. It was established in 1937 and as of March of 2017, it had grown to 9 employees and 3,230 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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Health

B+

Data as of Q1 2017

Learn why bank health matters

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

Overall
NCUA #	2493
Year Chartered	1937
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.3%
Return on Equity - YTD	1.43%
Annual Interest Income	$353.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$18.7MM$17.8MM
Loans	Q1 2017vs Q1 2016	$11.6MM$11.4MM
Deposits	Q1 2017vs Q1 2016	$14.7MM$13.8MM
Equity Capital	Q1 2017vs Q1 2016	$3.9MM$3.9MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$264.00K$241.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$88.00K$297.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Checking
CD

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$20k^*	-	Checking Account
OTHER TIERS: 0.10% → $5k - $10k \| 0.20% → $10k - $20k

Jersey Central Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Jersey Central Federal Credit Union Locations
Branch Office	23 North Ave E	Cranford, NJ 07016-2196