Jersey Central Federal Credit Union


Po Box 661
Cranford, NJ 07016
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Notable Rates APY Vs.Others
Savings 0.50% 5.55% →
1-Year CD 4.00% 5.60% →
2-Year CD 2.56% 5.00% →
5-Year CD 1.71% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

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 19, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $100 $2,499 Learn More
0.25% $2,500 $9,999 Learn More
0.40% $10,000 $24,999 Learn More
0.50% $25,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Month
5.25% $500 - Learn More
6 Mo CD
5.00% $500 - Learn More
9 Month
4.00% $500 - Learn More
12 Mo CD
4.00% $500 - Learn More
14 Month
3.75% $500 - Learn More
18 Mo CD
4.00% $500 - Learn More
24 Mo CD
2.56% $500 - Learn More
28 Month
3.25% $500 - Learn More
36 Mo CD
2.70% $500 - Learn More
48 Mo CD
1.56% $500 - Learn More
60 Mo CD
1.71% $500 - Learn More

Loan Rates - April 19, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.994% 6.875% 0.63 $3,901 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375% 0.75 $2,400 $2,211 Learn More
NMLS ID: Not a Lender
Learn More
Neighbors Bank
NMLS ID: 491986
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Jersey Central
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Jersey Central Locations

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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