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First Point Federal Credit Union

Popular Accounts at this Credit Union

1.61%5-year CD5 Year CD
0.65%1-year CD1 Year CD
0.20%SavingsRegular Share Account

Overview / Commentary
2733 Nottingham Way Ste 5

First Point Federal Credit Union is headquartered in HAMILTON and is the 67th largest credit union in the state of New Jersey. It is also the 3,227th largest credit union in the nation. It was established in 1955 and as of June of 2016, it had grown to 4 employees and 1,628 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.
See current membership details


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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

NCUA #10319
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD2%
Annual Interest Income$326.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$23.8MM$23.3MM
LoansQ2 2016vs Q2 2015$7.7MM$7.3MM
DepositsQ2 2016vs Q2 2015$21.1MM$20.6MM
Equity CapitalQ2 2016vs Q2 2015$2.6MM$2.6MM
Loan Loss AllowanceQ2 2016vs Q2 2015$96.00K$115.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$134.00K$140.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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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

0.20%$100-IRA Share Account
0.20%*$35k*$1mRegular Share Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $20k | 0.15% $20k - $35k
0.20%$100-Roth IRA Share Account
0.20%$100-CESA Share Account
0.05%--Christmas Club
0.05%--Vacation Club

First Point Federal Credit Union CD Rates

1.61%$500-5 Year CD
1.16%$500-3 Year CD
0.85%$500-2 Year CD
0.65%$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

1.61%$1k-5 Year IRA
1.16%$1k-3 Year IRA
0.85%$1k-2 Year IRA
0.65%$1k-1 Year IRA
0.30%$1k-6 Month IRA
0.25%$1k-3 Month IRA
0.20%$1k-1 Month IRA

First Point Federal Credit Union Locations
Branch Office2733 Nottingham Way Ste 5HAMILTON, NJ 08619
Branch Office85 MAIN STSPOTSWOOD, NJ 08884
Branch Office1130 US HIGHWAY 202 STE B4RARITAN, NJ 08869-1494