Member's 1st Of Nj Federal Credit Union
Headquarters
37 West Landis Ave
Vineland, NJ 08360
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2024 Overview
General Credit Union Information
Member's 1st Of Nj is an NCUA insured institution located in Vineland, NJ. It was founded in 1938 and has approximately $85.29 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 2574 |
| Date Established | 1938 |
| Assets | $85.29 million |
| Loans | $48.99 million |
| Deposits | $78.76 million |
| Capital | $6.30 million |
Field of Membership Restrictions
Membership is open to employees and retirees of the credit union's select Employer Group, including The Boards of Education of Cumberland County, The Boards of Education of Salem County, Borough of Woodstown, and other select groups.
Deposit Rates - November 12, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.03% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.14% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.01% | $2,500 | $3,499 | Learn More |
Loan Rates - November 12, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Member's 1st Of Nj
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 401822 |
6.668% | 6.500% | 0.75 | $5,600 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.981% | 6.875% | 0.88 | $3,442 | $2,103 | Learn More |
NMLS ID: 1907 |
7.068% | 7.000% | 0.75 | $2,202 | $2,129 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
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More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
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More Info |
Note to Member's 1st Of Nj
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Branches
Below are Member's 1st Of Nj branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Member's 1st Of Nj Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 407.13 | A | View Lobby Hours | |
| 414.22 | B | View Lobby Hours | |
| 423.12 | C | View Lobby Hours |
Climate Policy and Initiatives
MEMBER'S 1ST OF NJ is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Member's 1st Of Nj Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Member's 1st Of Nj. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Member's 1st Of Nj | U.S. Average |
|---|---|
| 4.31% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Member's 1st Of Nj had $225,407 in non-current loans and $60,120 in owned assets. To cover these potential losses it had $6,299,866 in net worth and $325,153 in loans loss reserves. That gives it a Texas Ratio of 4.31%.
Net Worth
| Member's 1st Of Nj | U.S. Average |
|---|---|
| 7.51% | 13.93% |
Member's 1st Of Nj FCU has a net worth of 7.51% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Member's 1st Of Nj
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