Jersey Central Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.10%	5-year CD	3.10% - Barclays 60 Month Online CD
0.85%	1-year CD	2.75% - Barclays 12 Month Online CD
0.80%	Savings	0.27% - National Average

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 69^th largest credit union in the state of New Jersey. It is also the 3,418^th largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 7 employees and 3,424 members at 1 location. Jersey Central Federal Credit Union's savings rates are 54% 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

Data as of Q4 2018

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	7
Primary Regulator

Profit Margin
Return on Assets - YTD	0.45%
Return on Equity - YTD	2.1%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$18.8MM$18.6MM
Loans	Q4 2018vs Q4 2017	$11.5MM$11.5MM
Deposits	Q4 2018vs Q4 2017	$14.7MM$14.6MM
Equity Capital	Q4 2018vs Q4 2017	$4.0MM$3.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$192.00K$241.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$99.00K$81.00K
Real Estate Owned	Q4 2018vs Q4 2017	$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
0.80%^*	$25k^*	-	Savings Account
OTHER TIERS: 0.35% → $100 - $2.5k \| 0.50% → $2.5k - $10k \| 0.65% → $10k - $25k

Jersey Central Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$20k^*	-	Checking Account
OTHER TIERS: 0.15% → $5k - $10k \| 0.25% → $10k - $20k

Jersey Central Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.13%	$50k	-	5 Year Jumbo CD
2.10%	$500	$50k	5 Year CD
1.74%	$50k	-	4 Year Jumbo CD
1.69%	$500	$50k	4 Year CD
1.57%	$50k	-	3 Year Jumbo CD
1.52%	$500	$50k	3 Year CD
1.25%	$50k	-	2 Year Jumbo CD
1.20%	$500	$50k	2 Year CD
0.93%	$50k	-	18 Month Jumbo CD
0.90%	$50k	-	12 Month Jumbo CD
0.88%	$500	$50k	18 Month CD
0.85%	$500	$50k	12 Month CD
0.73%	$50k	-	9 Month Jumbo CD
0.71%	$500	$50k	9 Month CD
0.61%	$50k	-	6 Month Jumbo CD
0.60%	$500	$50k	6 Month CD
0.49%	$50k	-	3 Month Jumbo CD
0.46%	$500	$50k	3 Month CD

Locations

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

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