South Jersey


Po Box 5530
Deptford, NJ 08096
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.60% 0.70% →
2-Year CD 0.80% 0.75% →
5-Year CD 1.20% 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

South Jersey is an NCUA insured institution located in Deptford, NJ. It was founded in 1940 and has approximately $480.63 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

NCUA Insured Yes / Federally Chartered
Charter Number # # 3951
Date Established 1940
Assets $480.63 million
Loans $273.23 million
Deposits $417.32 million
Capital $36.30 million

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 - July 29, 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
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.20% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 174457
2.771% 2.750% 0.25 $682 $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
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$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 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
3.93% 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, South Jersey had $1,208,654 in non-current loans and $303,550 in owned assets. To cover these potential losses it had $36,297,299 in net worth and $2,207,103 in loans loss reserves. That gives it a Texas Ratio of 3.93%.

Net Worth
South Jersey U.S. Average
7.84% 12.20%

South Jersey FCU has a net worth of 7.84% 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 South Jersey

Branches and Savings

What is South Jersey?

A federal credit union, registered with the NCUA under certificate #3951.
Learn more about credit unions here.

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

Who can join South Jersey?

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

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

South Jersey'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 South Jersey?

South Jersey has total capital of $36.30 million. Full information on South Jersey's financial position is located above.

Who owns South Jersey?

Credit Unions are owned by their members.

Where are South Jersey branches located?

See branch locations nearby.

Are South Jersey ATMs Open 24/7?

Do South Jersey ATMs accept cash deposits?

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

Does South Jersey have a mobile app?

Does South Jersey have mobile deposit?

Does South Jersey have quick pay?

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

Does South Jersey report to credit bureaus?

Does South Jersey use Chexsystems?

Does South Jersey use Equifax?

What is South Jersey's toll free phone number?

What is South Jersey's ACH Routing Number?

What is South Jersey's SWIFT code?

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

What is the South Jersey address for deposits?

What Products Does South Jersey Offer

Does South Jersey offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does South Jersey offer auto and RV loans?

Compare auto loan rates here.

Does South Jersey offer student loans or personal loans?

Compare personal loan rates here.

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