Featured Savings Rates
Featured Accounts

Jersey Central Federal Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
888-772-3040
23 North Ave E
Cranford, NJ 07016-2196

Jersey Central Federal Credit Union is headquartered in Cranford and is the 74th largest credit union in the state of New Jersey. It is also the 3,549th largest credit union in the nation. It was established in 1937 and as of September of 2016, it had grown to 9 employees and 3,222 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+
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 Chartered1937
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD-0.34%
Return on Equity - YTD-1.58%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$18.3MM$17.1MM
LoansQ3 2016vs Q3 2015$11.4MM$12.0MM
DepositsQ3 2016vs Q3 2015$14.3MM$13.2MM
Equity CapitalQ3 2016vs Q3 2015$3.9MM$3.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$266.00K$247.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$204.00K$333.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW 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

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

Jersey Central Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.88%*$50k*-5 Year CD
OTHER TIERS: 1.85% $500 - $50k
1.82%*$50k*-30 Month New Money CD Special
OTHER TIERS: 1.71% $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 Office23 North Ave ECranford, NJ 07016-2196