Credit union · NCUA insured
Central Jersey Federal Credit Union
A $94.4M credit union headquartered in Woodbridge, NJ, with 5,939 members and 1 branch in New Jersey. Best rates: CDs 2.00% and savings 2.00% APY.
Central Jersey Federal Credit Union Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#81 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 Central Jersey Federal Credit Union
Chartered in 1936, Central Jersey Federal Credit Union is a member-owned not-for-profit financial cooperative headquartered in Woodbridge, New Jersey.
Originally founded as Middlesex County Teachers Federal Credit Union by Perth Amboy teachers, the credit union adopted its current name in 1986 to reflect its broader membership.
The credit union serves members from Select Employee Groups across Middlesex County, including school boards, private companies, and organizations.
- Headquarters
- 34 Main Street, Woodbridge, NJ 07095
- NCUA charter
- 1108
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to all employees of participating Select Employee Groups (SEGs).
Family and household
- Immediate family members of an existing member are eligible for membership, including spouses (marriage or civil union), children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships.
Cost to join
- An initial share deposit of $5.00 is required to open a Share Savings Account and establish membership ownership.
Branches
1 branch in New Jersey
Loading map…
New Jersey
1 branch
- Main StMain office34 Main Street, Woodbridge, NJ 07095Directions
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 | 10.58% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.98% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.66% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio10.58%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.98%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ 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 Central Jersey Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.