First Point


2430 Hamilton Ave, Suite 2
Hamilton, NJ 08619
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.66% →
1-Year CD 0.40% 0.67% →
2-Year CD 0.50% 0.75% →
5-Year CD 0.80% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

First Point is an NCUA insured institution located in Hamilton, NJ. It was founded in 1955 and has approximately $31.12 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 10319
Date Established 1955
Assets $31.12 million
Loans $7.43 million
Deposits $27.87 million
Capital $2.63 million

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FIRST POINT

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.790% 2.750% 0.50 $1,290 $1,021 Learn More
NMLS ID: 2890
License#: 13256
2.775% 2.750% 0.38 $808 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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



Below are First Point branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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First Point Locations

Financial Details

First Point Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Point. 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 Point U.S. Average
1.90% 5.40

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 December 31, 2020, First Point had $50,679 in non-current loans and $2,000 in owned assets. To cover these potential losses it had $2,633,269 in net worth and $134,359 in loans loss reserves. That gives it a Texas Ratio of 1.90%.

Net Worth
First Point U.S. Average
8.46% 12.67%

First Point FCU has a net worth of 8.46% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About First Point

Branches and Savings

What is First Point?

A federal credit union, registered with the NCUA under certificate #10319.
Learn more about credit unions here.

Is First Point FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. First Point is insured by the NCUA.

Who can join First Point?

Please see Field of Membership information above for information on who is eligible to join.

What are First Point's share account and share certificate rates?

First Point's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is First Point?

First Point has total capital of $2.63 million. Full information on First Point's financial position is located above.

Who owns First Point?

Credit Unions are owned by their members.

Where are First Point branches located?

See branch locations nearby.

Are First Point ATMs Open 24/7?

Do First Point ATMs accept cash deposits?

Can First Point customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First Point have a mobile app?

Does First Point have mobile deposit?

Does First Point have quick pay?

How can First Point transfer money to other banks or credit unions?

Does First Point report to credit bureaus?

Does First Point use Chexsystems?

Does First Point use Equifax?

What is First Point's toll free phone number?

What is First Point's ACH Routing Number?

What is First Point's SWIFT code?

Where can I find First Point's wire transfer form?

What is the First Point address for deposits?

What Products Does First Point Offer

Does First Point offer mortgages?

Compare mortgage rates here.

Does First Point offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Point offer auto and RV loans?

Compare auto loan rates here.

Does First Point offer student loans or personal loans?

Compare personal loan rates here.

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