Southern Middlesex Co Tchrs Federal Credit Union

Popular Accounts at this Credit Union

3.00%5-year CD
2.10%1-year CD
View all Southern Middlesex Co Tchrs Federal Credit Union rates »

Overview / Commentary
39 Brunswick Woods Dr
East Brunswick, NJ 08816-5601

Southern Middlesex Co Tchrs Federal Credit Union is headquartered in East Brunswick and is the 54th largest credit union in the state of New Jersey. It is also the 2,729th largest credit union in the nation. It was established in 1939 and as of December of 2018, it had grown to 5 employees and 3,354 members at 1 location. Southern Middlesex Co Tchrs Federal Credit Union's money market rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to contractual employees of any of the following public school districts in Middlesex County: Cranbury, East Brunswick, Highland Park, Middlesex County Vo-Tech-East Brunswick Campus Only, Milltown, Monroe, New Brunswick, North Brunswick, Old bridge, Sayreville, South Brunswick, South River or Sportswood.
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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. Southern Middlesex Co Tchrs Federal Credit Union has a low asset base.

Health Grade Components

NCUA #3126
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD4.72%
Annual Interest Income$857.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$33.9MM$34.2MM
LoansQ4 2018vs Q4 2017$9.9MM$10.0MM
DepositsQ4 2018vs Q4 2017$30.3MM$30.9MM
Equity CapitalQ4 2018vs Q4 2017$3.5MM$3.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$77.00K$68.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$13.00K$41.00K
Real Estate OwnedQ4 2018vs Q4 2017$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.

Southern Middlesex Co Tchrs Federal Credit Union Savings Account Rates

0.10%$5-Share Account
0.10%$5-Club Accounts

Southern Middlesex Co Tchrs Federal Credit Union Money Market Rates

1.40%*$75k*-Money Market Accounts
OTHER TIERS: 1.20% $2.5k - $25k | 1.30% $25k - $75k

Southern Middlesex Co Tchrs Federal Credit Union CD Rates

3.00%$1k-5 Year CD
2.80%$1k-4 Year CD
2.60%$1k-3 Year CD
2.40%$1k-2 Year CD
2.20%$1k-18 Month CD
2.10%$1k-1 Year CD
1.80%$1k-6 Month CD

Southern Middlesex Co Tchrs Federal Credit Union Locations
Branch Office39 Brunswick Woods DrEast Brunswick, NJ 08816-5601

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