Jersey Central


Po Box 661
Cranford, NJ 07016
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.85% →
1-Year CD 0.82% 0.80% →
2-Year CD 0.96% 0.80% →
5-Year CD 1.25% 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

Jersey Central is an NCUA insured institution located in Cranford, NJ. It was founded in 1937 and has approximately $22.25 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 2493
Date Established 1937
Assets $22.25 million
Loans $10.45 million
Deposits $17.97 million
Capital $4.22 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 - September 27, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.20% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.61% $500 - Learn More
12 Mo CD
0.82% $500 - Learn More
18 Mo CD
0.89% $500 - Learn More
24 Mo CD
0.96% $500 - Learn More
36 Mo CD
1.06% $500 - Learn More
48 Mo CD
1.15% $500 - Learn More
60 Mo CD
1.25% $500 - Learn More

Loan Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.794% 2.750% 0.63 $1,428 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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



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.

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Jersey Central Locations

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
1.29% 4.38

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, 2021, Jersey Central had $46,553 in non-current loans and $10,390 in owned assets. To cover these potential losses it had $4,217,521 in net worth and $186,756 in loans loss reserves. That gives it a Texas Ratio of 1.29%.

Net Worth
Jersey Central U.S. Average
18.95% 12.20%

Jersey Central FCU has a net worth of 18.95% versus the BestCashCow average of 12.20. 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 Jersey Central

Branches and Savings

What is Jersey Central?

A federal credit union, registered with the NCUA under certificate #2493.
Learn more about credit unions here.

Is Jersey Central 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. Jersey Central is insured by the NCUA.

Who can join Jersey Central?

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

What are Jersey Central's share account and share certificate rates?

Jersey Central'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 Jersey Central?

Jersey Central has total capital of $4.22 million. Full information on Jersey Central's financial position is located above.

Who owns Jersey Central?

Credit Unions are owned by their members.

Where are Jersey Central branches located?

See branch locations nearby.

Are Jersey Central ATMs Open 24/7?

Do Jersey Central ATMs accept cash deposits?

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

Does Jersey Central have a mobile app?

Does Jersey Central have mobile deposit?

Does Jersey Central have quick pay?

How can Jersey Central transfer money to other banks or credit unions?

Does Jersey Central report to credit bureaus?

Does Jersey Central use Chexsystems?

Does Jersey Central use Equifax?

What is Jersey Central's toll free phone number?

What is Jersey Central's ACH Routing Number?

What is Jersey Central's SWIFT code?

Where can I find Jersey Central's wire transfer form?

What is the Jersey Central address for deposits?

What Products Does Jersey Central Offer

Does Jersey Central offer mortgages?

Compare mortgage rates here.

Does Jersey Central offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Jersey Central offer auto and RV loans?

Compare auto loan rates here.

Does Jersey Central offer student loans or personal loans?

Compare personal loan rates here.

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