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South Jersey Federal Credit Union

Popular Accounts at this Credit Union

1.51%5-year CD5 Year CD
1.10%3-year CD3 Year CD
0.35%1-year CD1 Year CD

Overview / Commentary
1617 Hurffville Rd P.O. Box 5530
Deptford, NJ 08096

South Jersey Federal Credit Union is headquartered in Deptford and is the 7th largest credit union in the state of New Jersey. It is also the 710th largest credit union in the nation. It was established in 1940 and as of September of 2017, it had grown to 134 employees and 48,098 members at 10 locations. South Jersey Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, works, worships or attends school in any of the following New Jersey communities: Atlantic City, Bridgeton, Camden, Millville, Pleasantville, Salem and Vineland. You can also be eligible via select employers or via family. Please see the credit union's eligibility page for more details.
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Reviews (4)

Not being able to use all your money?

The credit union my husband and i use has some very odd requirements you are not allowed to use a certain amount of money in your account. They will even over draw your account even thought you have the money in the account. When you call to question them if you get them on the phone at all nobody knows anything.

The odd thing they have a number on the back of your debit card and you thing that is customer service must people would . It is a number where they get you to sign up for all kinds of things you have no idea you are agreeing to. When you call them they tell you never use that number not sure why that was even put on there.

I really do not like this union at all. For the general public the fee is 40 dollars and you really do not get a huge amount of savings with fees they are charge you to use the debit card more than my other bank.. Funny thing my account is a savings that is taken out of my husband's pay .

Not great

We have been treated better by a bank than at this institution. They state that you have to keep a certain amount in your account at all times and you are not allow to use they will tell you that your account has no funds in it when it does. They have no clear information where the atms are you have to go another site for that.
They do offer other products such as insurance that they take out of your saving account the insurance rates are good. Their other type of products appear to be good. My best advice is to study this type of institution before you join. They do have atm fees even though it was stated when we joined they did not. They are good and bad points to this type of saving institution. You do have to pay a fee if you do not get this service offered through your job.
The web-site does not have much information you have to dig to find the information that you want. Getting in touch with them take awhile alot of the basic information of who to talk to for problems is not listed anywhere on the site.


Posted by: dapont12 | May 10, 2013

I open a savings account at my local (pleasantville) branch. it seemed like a good idea at the time. no min balance due, no monthly fees, earn a tiny % of intrest. what more can you ask for. well I guess customer service would be one of them. They lack customer service. you have to greet them and they still dont greet you, upon leaving I always say thank you to not get any response. I rather pay a 2.99 monthly convience fee at my local TD branch then to invest my money into south jersey federal credit union to be treated like a inconvience to them.

Fees Equal Stealing

I just received my quarterly statement from South Jersey FCU. To my surprise I have given them $15.00 or $5 for the prior 3 months. Tomorrow I go to close the account. It is hard to believe that it costs $5 a month for a computer to keep track of someone's money especially when there is not any activity occurring on it. I am sure SJFCU is hurting for that substantial amount of money, but to me it is equivalent to thievery. I never received any statement indicating that I was in jeopardy of having my money stolen from me or else I would have gone and closed the account thus thereby saving them them the postage and the sheet of paper showing my new activity of taking the FEES. I will never suggest or give any positive comments about SJFCU to any fellow employee!! Funny thing is, in my statement there is an add from Sprint with the tagline "Why throw away your money?" They must have read my mind.



Health Grade Components

NCUA #3951
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.79%
Annual Interest Income$9.9MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$343.9MM$344.8MM
LoansQ3 2017vs Q3 2016$200.5MM$176.4MM
DepositsQ3 2017vs Q3 2016$311.7MM$314.5MM
Equity CapitalQ3 2017vs Q3 2016$30.1MM$28.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$2.7MM$2.3MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$3.4MM$1.4MM
Real Estate OwnedQ3 2017vs Q3 2016$62.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

South Jersey Federal Credit Union Savings Account Rates

0.90%*$50k*-IRA Savings
OTHER TIERS: 0.40% Up to $20k | 0.55% $20k - $50k
0.25%*$25k*-Regular Savings
OTHER TIERS: 0.10% $100 - $5k | 0.20% $5k - $25k
0.20%*$5k*-Teacher's Club
OTHER TIERS: 0.10% $100 - $5k
0.20%--Christmas Club
0.20%--Vacation Club
0.10%--Special Savings

South Jersey Federal Credit Union Money Market Rates

0.45%$100k-MEGA Money Market
0.25%$25k-SUPER Money Market
0.18%$1,500-Money Market

South Jersey Federal Credit Union Checking Account Rates


South Jersey Federal Credit Union CD Rates

1.51%$1k-4 Year CD
1.51%$1k-5 Year CD
1.26%$1k-18 Month CD Special
1.10%$1k-3 Year CD
1.00%$1k-2 Year CD
0.35%$1k-1 Year CD

South Jersey Federal Credit Union IRA Rates

1.51%$1k-4 Year IRA
1.51%$1k-5 Year IRA
1.26%$1k-18 Month IRA Special
1.10%$1k-3 Year IRA
1.00%$1k-2 Year IRA
0.35%$1k-1 Year IRA

Cities: Camden, Deptford, Glassboro, Moorestown, Philadelphia, Pleasantville, Vineland, Voorhees, Williamsport

Camden Branches
Branch Office227 Market StCamden, NJ 08102

Deptford Branches
Branch Office1617 Hurffville Rd PO Box 5530Deptford, NJ 08096
Branch Office1615 Hurffville RoadDeptford, NJ 08096

Glassboro Branches
Branch Office202 Rowan Blvd Suite 2Glassboro, NJ 08028

Moorestown Branches
Branch Office1201 N Church StMoorestown, NJ 08057

Philadelphia Branches
Branch Office1648 W Hunting Park Ave # 52Philadelphia, PA 19140-2904

Pleasantville Branches
Branch Office15 W West Jersey AvePleasantville, NJ 08232-2629

Vineland Branches
Branch Office106 W Landis AveVineland, NJ 08360

Voorhees Branches
Branch Office700 Haddonfield Berlin Rd Eagle PlazaVoorhees, NJ 08043-4305

Williamsport Branches
Branch Office445 Elmira StWilliamsport, PA 17701