First Harvest Federal Credit Union
Headquarters
Po Box 5530
Deptford, NJ 08096
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2024 Overview
General Credit Union Information
First Harvest is an NCUA insured institution located in Deptford, NJ. It was founded in 1940 and has approximately $452.4 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 | $452.40 million |
| Loans | $272.34 million |
| Deposits | $380.53 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 - April 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for First Harvest
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 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,885 | $2,103 | Learn More |
NMLS ID: 3029 |
7.111% | 6.990% | 0.75 | $4,070 | $2,127 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
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 First Harvest
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are First Harvest 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
FIRST HARVEST 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
First Harvest Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of First Harvest. 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
| First Harvest | U.S. Average |
|---|---|
| 5.77% | 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, First Harvest had $2,100,721 in non-current loans and $100,042 in owned assets. To cover these potential losses it had $36,295,541 in net worth and $1,849,440 in loans loss reserves. That gives it a Texas Ratio of 5.77%.
Net Worth
| First Harvest | U.S. Average |
|---|---|
| 7.99% | 13.62% |
First Harvest FCU has a net worth of 7.99% 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 First Harvest
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