Southern Middlesex Co Tchrs Federal Credit Union

Headquarters

39 Brunswick Woods Dr
East Brunswick, NJ 08816
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Notable Rates APY Vs.Others
Savings 0.05% 5.55% →
1-Year CD 0.40% 5.41% →
2-Year CD 0.50% 5.25% →
5-Year CD 0.80% 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

Southern Middlesex Co Tchrs is an NCUA insured institution located in East Brunswick, NJ. It was founded in 1939 and has approximately $42.83 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3126
Date Established 1939
Assets $42.83 million
Loans $12.71 million
Deposits $39.61 million
Capital $4.16 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 - May 24, 2024

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 - May 24, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
7.073% 6.990% 0.63 $2,697 $2,127 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375% 0.75 $2,400 $2,211 Learn More
FHAloans.com
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 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



Climate Policy and Initiatives

SOUTHERN MIDDLESEX CO TCHRS 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

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
6.92% 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, Southern Middlesex Co Tchrs had $293,650 in non-current loans and $0 in owned assets. To cover these potential losses it had $4,155,538 in net worth and $87,943 in loans loss reserves. That gives it a Texas Ratio of 6.92%.

Net Worth
Southern Middlesex Co Tchrs U.S. Average
9.7% 13.62%

Southern Middlesex Co Tchrs FCU has a net worth of 9.7% 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 Southern Middlesex Co Tchrs

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