1615 Hurffville Rd, PO Box 5530
Deptford, NJ 08096


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 3951
Date Established 1940
Assets $363.68 million
Loans $236.88 million
Deposits $326.97 million
Capital $33.20 million

South Jersey is an NCUA insured institution located in Deptford, NJ. It was founded in 1940 and has approximately $363.68 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

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 - March 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $1,500 $9,999 Learn MoreShow Less
Money Market
0.30% $10,000 $49,999 Learn MoreShow Less
Fixed IRA
1.96% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.75% $5,000 - Learn MoreShow Less
12 Mo CD
1.80% $1,000 - Learn MoreShow Less
18 Mo CD
1.85% $1,000 - Learn MoreShow Less
24 Mo CD
1.92% $1,000 - Learn MoreShow Less
36 Mo CD
2.15% $1,000 - Learn MoreShow Less
48 Mo CD
2.25% $1,000 - Learn MoreShow Less
60 Mo CD
2.35% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.40% $1 $19,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - March 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SOUTH JERSEY

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
PenFed Credit Union
NMLS ID: 401822
4.375% 4.250% 0.50 $3,750 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$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 South Jersey 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:

South Jersey Locations

Financial Details

South Jersey Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of South Jersey. 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
South Jersey U.S. Average
4.93% 6.94

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, 2018, South Jersey had $1,677,542 in non-current loans and $109,324 in owned assets. To cover these potential losses it had $33,200,039 in net worth and $3,019,356 in loans loss reserves. That gives it a Texas Ratio of 4.93%.

Net Worth
South Jersey U.S. Average
9.12% 13.08%

South Jersey FCU has a net worth of 9.12% versus the BestCashCow average of 13.08. 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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