Jersey Central Federal Credit Union
Headquarters
Po Box 661
Cranford, NJ 07016
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2024 Overview
General Credit Union Information
Jersey Central is an NCUA insured institution located in Cranford, NJ. It was founded in 1937 and has approximately $22.13 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 2493 |
| Date Established | 1937 |
| Assets | $22.13 million |
| Loans | $13.58 million |
| Deposits | $17.47 million |
| Capital | $4.28 million |
Field of Membership Restrictions
Membership is open to employees of Amtrak, Conrail, Capobianco & Gaudenzi Accountants & Auditors, CSX, CW Brabender Instruments, Coast to Coast Legal Funding, Delta Dental of NJ, Hayward Industries, Eaton Corporation, New Jersey Transit, Norfolk Southern, New York New Jersey Rail, Raritan Central Railway, Topco Inc., Schielke Insurance Agency.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $100 | $2,499 |
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|
| SAV
|
0.25% | $2,500 | $9,999 |
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|
| Savings
|
0.40% | $10,000 | $24,999 |
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|
| Savings
|
0.50% | $25,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month
|
5.25% | $500 | - |
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|
| 6 Mo CD
|
5.00% | $500 | - |
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|
| 9 Month
|
4.00% | $500 | - |
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|
| 12 Mo CD
|
4.00% | $500 | - |
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|
| 14 Month
|
3.75% | $500 | - |
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|
| 18 Mo CD
|
4.00% | $500 | - |
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|
| 24 Mo CD
|
2.56% | $500 | - |
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|
| 28 Month
|
3.25% | $500 | - |
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|
| 36 Mo CD
|
2.70% | $500 | - |
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|
| 48 Mo CD
|
1.56% | $500 | - |
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|
| 60 Mo CD
|
1.71% | $500 | - |
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|
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Jersey Central
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: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: Not a Lender |
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NMLS ID: 491986 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Jersey Central
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Branches
Below are Jersey Central 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
Climate Policy and Initiatives
JERSEY CENTRAL 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
Jersey Central Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Jersey Central. 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
| Jersey Central | U.S. Average |
|---|---|
| 2.55% | 6.97 |
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, 2023, Jersey Central had $92,987 in non-current loans and $20,350 in owned assets. To cover these potential losses it had $4,275,904 in net worth and $164,030 in loans loss reserves. That gives it a Texas Ratio of 2.55%.
Net Worth
| Jersey Central | U.S. Average |
|---|---|
| 19.27% | 13.62% |
Jersey Central FCU has a net worth of 19.27% versus the BestCashCow average of 13.62. 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 Jersey Central
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