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 70th largest credit union in the state of New Jersey. It is also the 3,446th largest credit union in the nation. It was established in 1937 and as of September of 2018, it had grown to 8 employees and 3,367 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.
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Health
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
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD1.58%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$18.5MM$18.8MM
LoansQ3 2018vs Q3 2017$11.6MM$11.5MM
DepositsQ3 2018vs Q3 2017$14.5MM$14.9MM
Equity CapitalQ3 2018vs Q3 2017$4.0MM$3.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$209.00K$243.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$126.00K$151.00K
Real Estate OwnedQ3 2018vs Q3 2017$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
0.80%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$20k*-Checking Account
OTHER TIERS: 0.15% $5k - $10k | 0.25% $10k - $20k

Jersey Central Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.13%$50k-5 Year Jumbo CD
2.10%$500$50k5 Year CD
1.74%$50k-4 Year Jumbo CD
1.69%$500$50k4 Year CD
1.57%$50k-3 Year Jumbo CD
1.52%$500$50k3 Year CD
1.25%$50k-2 Year Jumbo CD
1.20%$500$50k2 Year CD
0.93%$50k-18 Month Jumbo CD
0.90%$50k-12 Month Jumbo CD
0.88%$500$50k18 Month CD
0.85%$500$50k12 Month CD
0.73%$50k-9 Month Jumbo CD
0.71%$500$50k9 Month CD
0.61%$50k-6 Month Jumbo CD
0.60%$500$50k6 Month CD
0.49%$50k-3 Month Jumbo CD
0.46%$500$50k3 Month CD
Locations


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

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