First Harvest Federal Credit Union

Headquarters

Po Box 5530
Deptford, NJ 08096
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 2.55% →
1-Year CD 0.60% 2.80% →
2-Year CD 0.80% 3.20% →
5-Year CD 1.20% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

First Harvest is an NCUA insured institution located in Deptford, NJ. It was founded in 1940 and has approximately $499.64 millions in assets.

Who can join?

Members of approved employee groups and communities are eligible for membership.

Members' spouses, children, grandchildren, parents, brothers and sisters - in addition to other, non-relative household members, may join as well. Retirees and their families from eligible groups also qualify for membership.

Anyone who lives, works, worships, goes to school or regularly does business in the following communities qualifies for credit union membership:
• The Atlantic City Community
• The Bridgeton Community
• The Camden Community
• The Lawnside Community
• The Millville Community
• The Pleasantville Community
• The Salem Community
• The Vineland Community

NCUA Insured Yes / Federally Chartered
Charter Number # # 3951
Date Established 1940
Assets $499.64 million
Loans $274.96 million
Deposits $443.53 million
Capital $38.22 million
 

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.

Deposit Rates - August 13, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.20% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 13, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for FIRST HARVEST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



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NMLS ID: 292770
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4.455% 4.375% 1.00 $2,358 $1,249 Learn More
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4.851% 4.750% 0.75 $2,920 $1,305 Learn More
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NMLS ID: 1429243
4.697% 4.625% 0.88 $2,098 $1,286 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to FIRST HARVEST
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are First Harvest 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:
San Diego,California


First Harvest Locations



Climate Initiatives

FIRST HARVEST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

First Harvest Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Harvest. 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
First Harvest U.S. Average
7.15% 4.75

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 March 31, 2022, First Harvest had $2,589,649 in non-current loans and $278,581 in owned assets. To cover these potential losses it had $38,220,066 in net worth and $1,890,784 in loans loss reserves. That gives it a Texas Ratio of 7.15%.

Net Worth
First Harvest U.S. Average
7.75% 12.28%

First Harvest FCU has a net worth of 7.75% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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