Credit union · NCUA insured
Community Financial Services
A $31.7M credit union headquartered in Roselle, NJ, with 2,718 members and 1 branch in New Jersey. Best rates: CDs 4.07% and savings 0.35% APY.
Community Financial Services Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#119 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 Community Financial Services
Chartered in 1949 as Linden Assemblers FCU by General Motors assembly plant workers of UAW Local 595, Community Financial Services FCU is a member-owned financial organization.
Membership is open to anyone who lives, works, or worships in Union County, New Jersey, and their entire family.
- Headquarters
- 149 Saint George Ave, Roselle, NJ 07203-2936
- NCUA charter
- 6179
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, or worships in Union County, NJ.
Family and household
- The entire family of a member is eligible to join.
Branches
1 branch in New Jersey
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New Jersey
1 branch
- MainMain office149 Saint George Ave, Roselle, NJ 07203Directions
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 | 13.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.88% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.74% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $37 | $59 | — |
- CapitalNet worth ratio13.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.88%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.74%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$37Peers’ 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 Community Financial Services are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.