First Point Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.76%	5-year CD	5 Year CD 2.40% - Goldman Sachs Bank USA 5 Year CD
0.80%	1-year CD	1 Year CD 1.50% - Goldman Sachs Bank USA 12 Month CD
0.20%	Savings	Regular Share Account 1.35% - CIT Bank Premier High Yield Savings

View all First Point Federal Credit Union rates »

Overview / Commentary

firstpointfcu.com

609-838-2847

2733 Nottingham Way Ste 5
HAMILTON, NJ 08619

First Point Federal Credit Union is headquartered in HAMILTON and is the 66^th largest credit union in the state of New Jersey. It is also the 3,282^nd largest credit union in the nation. It was established in 1955 and as of June of 2017, it had grown to 4 employees and 1,477 members at 3 locations. First Point Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Fort Dodge Animal Health Division, J-Star Research, Inc., Wyeth, Ford Farewell Mills & Gatsch Architects, LLC, M. Dorell Wood II, CPA, Comgenex International, Chemspeed, Inc., Guards and Security Local 1412, Sports Arena Employees Local #137, Silgan Container Corporation, Enemine LTD, Nutter’s Landscaping, Schweitzer-Maudit who work in Spotswood, TYRX, Inc who work in Monmouth Jct NJ.
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Health

B

Data as of Q2 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. First Point Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	10319
Year Chartered	1955
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.74%
Return on Equity - YTD	-6.87%
Annual Interest Income	$315.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$22.8MM$23.8MM
Loans	Q2 2017vs Q2 2016	$8.1MM$7.7MM
Deposits	Q2 2017vs Q2 2016	$20.2MM$21.1MM
Equity Capital	Q2 2017vs Q2 2016	$2.5MM$2.6MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$94.00K$96.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$76.00K$134.00K
Real Estate Owned	Q2 2017vs Q2 2016	$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.

First Point Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$100	-	IRA Share Account
0.20%^*	$35k^*	$1m	Regular Share Account
OTHER TIERS: 0.05% → $50 - $5k \| 0.10% → $5k - $20k \| 0.15% → $20k - $35k
0.20%	$100	-	CESA Share Account
0.05%	-	-	Christmas Club
0.05%	-	-	Vacation Club

First Point Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$500	-	5 Year CD
1.31%	$500	-	3 Year CD
1.00%	$500	-	2 Year CD
0.80%	$500	-	1 Year CD
0.30%	$500	-	6 Month CD
0.25%	$500	-	3 Month CD
0.20%	$500	-	1 Month CD

First Point Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	5 Year IRA
1.31%	$1k	-	3 Year IRA
1.00%	$1k	-	2 Year IRA
0.80%	$1k	-	1 Year IRA
0.30%	$1k	-	6 Month IRA
0.25%	$1k	-	3 Month IRA
0.20%	$1k	-	1 Month IRA

Locations

First Point Federal Credit Union Locations
Branch Office	2733 Nottingham Way Ste 5	HAMILTON, NJ 08619
Branch Office	85 MAIN ST	SPOTSWOOD, NJ 08884
Branch Office	1130 US HIGHWAY 202 STE B4	RARITAN, NJ 08869-1494