Overview / Commentary
412 New Brunswick Ave
Perth Amboy, NJ 08861

United Poles Federal Credit Union is headquartered in PERTH AMBOY and is the 48th largest credit union in the state of New Jersey. It is also the 2,546th largest credit union in the nation. It was established in 1965 and as of September of 2018, it had grown to 5 employees and 1,950 members at 2 locations. United Poles Federal Credit Union's CD rates are 11% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to members of United Poles in America, INC. in Perth Amboy, New Jersey, the New Jersey Division of the Polish-American Congress, the Polish National Fund of New Jersey and other select organizations.
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. United Poles Federal Credit Union has a low asset base.

Health Grade Components

NCUA #16577
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD11.82%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$40.5MM$39.8MM
LoansQ3 2018vs Q3 2017$29.1MM$29.1MM
DepositsQ3 2018vs Q3 2017$36.3MM$36.1MM
Equity CapitalQ3 2018vs Q3 2017$3.8MM$3.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$211.00K$306.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$562.00K$759.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$55.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Poles Federal Credit Union Savings Account Rates

0.80%*$100k*-IRA Savings
OTHER TIERS: 0.30% Up to $5k | 0.45% $5k - $10k | 0.60% $10k - $30k | 0.70% $30k - $100k
0.35%$10-Kids Savings Club
0.20%--Christmas Club
0.20%--Vacation Club
0.20%--College Club
0.20%--Other Club Account
0.15%--Regular Share Account

United Poles Federal Credit Union Money Market Rates

0.35%*$100k*-Money Market
OTHER TIERS: 0.15% Up to $2.5k | 0.20% $2.5k - $20k | 0.25% $20k - $50k | 0.30% $50k - $100k

United Poles Federal Credit Union CD Rates

2.12%$5k-5 Year CD
1.92%$5k-5 Year CD PLU$
1.71%$5k-4 Year CD
1.61%$5k-4 Year CD PLU$
1.56%$5k-3 Year CD
1.46%$5k-3 Year CD PLU$
1.41%$5k-2 Year CD
1.11%$5k-18 Month CD
1.00%$5k-1 Year CD
0.85%--12 Month Platinum CD
0.50%--9 Month Platinum CD
0.40%$5k-6 Month CD

United Poles Federal Credit Union IRA Rates

2.50%$5k-10 Year IRA
2.25%$5k-7 Year IRA
2.12%$5k-5 Year IRA

United Poles Federal Credit Union Locations
Branch Office1161 W SAINT GEORGES AVELINDEN, NJ 07036

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