SOUTHERN MIDDLESEX CO TCHRS

Headquarters

39 Brunswick Woods Dr
East Brunswick, NJ 08816
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.95% →
1-Year CD 0.40% 1.01% →
2-Year CD 0.50% 0.95% →
5-Year CD 0.80% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Southern Middlesex Co Tchrs is an NCUA insured institution located in East Brunswick, NJ. It was founded in 1939 and has approximately $36.39 millions in assets.

NCUA Insured Yes
Charter Number # # 3126
Date Established 1939
Assets $36.39 million
Loans $9.78 million
Deposits $32.69 million
Capital $3.67 million
 

Field of Membership Restrictions

Membership is open to contractual employees of any of the following public school districts in Middlesex County: Cranbury, East Brunswick, Highland Park, Middlesex County Vo-Tech-East Brunswick Campus Only, Milltown, Monroe, New Brunswick, North Brunswick, Old bridge, Sayreville, South Brunswick, South River or Sportswood.

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $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
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SOUTHERN MIDDLESEX CO TCHRS

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.567% 2.500% 0.88 $2,216 $988 Learn More
First Internet Bank
NMLS ID: 424182
2.664% 2.625% 0.50 $1,290 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to SOUTHERN MIDDLESEX CO TCHRS
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Southern Middlesex Co Tchrs 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:
Ashburn,Virginia


Southern Middlesex Co Tchrs Locations


Financial Details

Southern Middlesex Co Tchrs Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southern Middlesex Co Tchrs. 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
Southern Middlesex Co Tchrs U.S. Average
3.66% 6.71

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 30, 2020, Southern Middlesex Co Tchrs had $138,063 in non-current loans and $0 in owned assets. To cover these potential losses it had $3,673,510 in net worth and $101,752 in loans loss reserves. That gives it a Texas Ratio of 3.66%.

Net Worth
Southern Middlesex Co Tchrs U.S. Average
10.09% 13.61%

Southern Middlesex Co Tchrs FCU has a net worth of 10.09% versus the BestCashCow average of 13.61. 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 Southern Middlesex Co Tchrs

Branches and Savings

What is Southern Middlesex Co Tchrs?

A federal credit union, registered with the NCUA under certificate #3126.
Learn more about credit unions here.

Is Southern Middlesex Co Tchrs FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Southern Middlesex Co Tchrs?

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

What are Southern Middlesex Co Tchrs's share account and share certificate rates?

Southern Middlesex Co Tchrs'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 Southern Middlesex Co Tchrs?

Southern Middlesex Co Tchrs has total capital of $3.67 million. Full information on Southern Middlesex Co Tchrs's financial position is located above.

Who owns Southern Middlesex Co Tchrs?

Credit Unions are owned by their members.

Where are Southern Middlesex Co Tchrs branches located?

See branch locations nearby.

Are Southern Middlesex Co Tchrs ATMs Open 24/7?

Do Southern Middlesex Co Tchrs ATMs accept cash deposits?

Can Southern Middlesex Co Tchrs customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Southern Middlesex Co Tchrs have a mobile app?

Does Southern Middlesex Co Tchrs have mobile deposit?

Does Southern Middlesex Co Tchrs have quick pay?

How can Southern Middlesex Co Tchrs transfer money to other banks or credit unions?

Does Southern Middlesex Co Tchrs report to credit bureaus?

Does Southern Middlesex Co Tchrs use Chexsystems?

Does Southern Middlesex Co Tchrs use Equifax?

What is Southern Middlesex Co Tchrs's toll free phone number?

What is Southern Middlesex Co Tchrs's ACH Routing Number?

What is Southern Middlesex Co Tchrs's SWIFT code?

Where can I find Southern Middlesex Co Tchrs's wire transfer form?

What is the Southern Middlesex Co Tchrs address for deposits?

What Products Does Southern Middlesex Co Tchrs Offer

Does Southern Middlesex Co Tchrs offer mortgages?

Compare mortgage rates here.

Does Southern Middlesex Co Tchrs offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southern Middlesex Co Tchrs offer auto and RV loans?

Compare auto loan rates here.

Does Southern Middlesex Co Tchrs offer student loans or personal loans?

Compare personal loan rates here.

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