Credit union · NCUA insured
1st Bergen FCU
A $11.3M credit union headquartered in Hackensack, NJ, with 1,714 members and 3 branches in New Jersey. Best rates: CDs 3.29% and savings 0.75% APY.
1st Bergen FCU Carrot Score
80
Carrot Score
Higher than 50% of U.S. banks and credit unions
#77 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st Bergen FCU
1st Bergen Federal Credit Union is a member-owned financial cooperative serving members since receiving its federal charter from the NCUA in 2009.
It is recognized by the NCUA as a low-income designated credit union and was certified as a Community Development Financial Institution in 2011.
- Headquarters
- 392 Main St, Hackensack, NJ 07601-5805
- NCUA charter
- 24810
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals and organizations who live, work, worship, volunteer, go to school, or primarily conduct business in Bergen County NJ.
Employers and groups
- People and organizations served by the Community Action Network, including Greater Bergen Community Action and OCEAN Inc., are eligible to join.
Family and household
- Immediate family members of current members are eligible to join 1st Bergen.
Cost to join
- An individual membership requires an initial deposit of $5.00.
Branches
3 branches in New Jersey
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New Jersey
3 branches
- CorporateMain office392 Main St, Hackensack, NJ 07601Directions
- Main Branch/Office392 Main St, Hackensack, NJ 07601Directions
- Ocean County40 Washington St, Toms River, NJ 08753Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 27.67% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.99% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.00% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $79 | $59 | — |
- CapitalNet worth ratio27.67%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.99%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.00%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$79Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st Bergen FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.