Southern Middlesex Co Tchrs Federal Credit Union
Headquarters
39 Brunswick Woods Dr
East Brunswick, NJ 08816
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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 10, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $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
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
Loan Rates - May 10, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.993% | 6.875% | 1.00 | $3,864 | $2,103 | Learn More |
NMLS ID: 3030 |
7.578% | 7.500% | 0.75 | $2,453 | $2,238 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: Not a Lender |
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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 Southern Middlesex Co Tchrs
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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:
Columbus,Ohio
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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