South Jersey Federal Credit Union

Overview / Commentary
1615 Hurffville Rd
Deptford, NJ 08096

South Jersey Federal Credit Union is headquartered in Deptford and is the 5th largest credit union in the state of New Jersey. It is also the 699th largest credit union in the nation. It was established in 1940 and as of September of 2019, it had grown to 131 employees and 53,902 members at 11 locations. South Jersey Federal Credit Union's CD rates are 100% higher than the national average, and it 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 (6)

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.

What Kind Of Business Are You People Running?

Posted by: |

Tried to set up mobile app account, challenge questions kept telling me my answers are wrong! Ok,next called IVY to get my balance, can't access information at this time! WTF IS GOING ON? CANT GET INFO OVER THE PHONE & CUSTOMER SERVICE IS A JOKE! Have had too many problems with this credit union, given wrong information by the branch manager, customer service reps in branch dont seem to have a clue about things they should, COMPLETE JOKE!

Owning There Mistakes!!!!

Posted by: |

I been banking at this credit union for 30 years. Since they became bigger the one on one relationship banking aspect has disappeared, the credit union made a mistake and instead of trying to have the president or upper leadership call me and try to fix it. They FORCED me to hire a attorney and sue them for the illegal activity I believe was committed. Now every time I call it they can’t talk to me because I have a attorney. If it had not been for some of the employees relationships I have created over the years. I would have cancelled my account. But I enjoy some of the staff there and they don’t hold grudges. So I would not recommend this credit to union to NO ONE IN New Jersey. Until they get new management or they get back to responsible relationships banking
AND I AM A NJEA MEMBER!!!!! Been that way !!!!


Posted by: |

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 - YTD0.22%
Return on Equity - YTD2.75%
Annual Interest Income$12.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$384.5MM$360.8MM
LoansQ3 2019vs Q3 2018$272.1MM$249.1MM
DepositsQ3 2019vs Q3 2018$322.2MM$314.3MM
Equity CapitalQ3 2019vs Q3 2018$30.5MM$30.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$3.4MM$3.2MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$2.5MM$3.6MM
Real Estate OwnedQ3 2019vs Q3 2018$210.00K$64.00K
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Always verify rates and promotions with the bank or credit union. We are not South Jersey Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.20%*$5k*$25kRegular Savings
OTHER TIERS: 0.10% $100 - $5k | 0.18% $25k+
0.20%*$5k*-Educator's Club
OTHER TIERS: 0.10% $100 - $5k
0.20%--Holiday Club
0.20%--Vacation Club
0.10%--Special Savings
0.10%--Insurance Savings

South Jersey Federal Credit Union Money Market Rates

0.50%*$50k*-Progressive Money Market
OTHER TIERS: 0.20% $1.5k - $10k | 0.30% $10k - $50k

South Jersey Federal Credit Union Checking Account Rates


South Jersey Federal Credit Union CD Rates

2.35%$1k-60 Month CD
2.25%$1k-48 Month CD
2.15%$1k-36 Month CD
1.92%$1k-24 Month CD
1.85%$1k-18 Month CD
1.80%$1k-12 Month CD
1.75%$5k-6 Month CD
1.26%$1k-13 Month CD

South Jersey Federal Credit Union IRA Rates

2.50%$1k-60 Month IRA
2.40%$1k-48 Month IRA
2.30%$1k-36 Month IRA
2.07%$1k-24 Month IRA
2.00%$1k-18 Month IRA
1.96%$1k-12 Month IRA
1.75%$1k-6 Month IRA
1.26%$1k-13 Month IRA


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