Credit union · NCUA insured
EdiFi Credit Union
A $258.7M credit union headquartered in Willingboro, NJ, with 25,426 members and 7 branches in New Jersey. Best rates: CDs 3.92% and savings 0.65% APY.
EdiFi Credit Union Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#59 of 118 in Philadelphia, PA-NJ-DE-MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About EdiFi Credit Union
Founded in 1958 to serve educators in Burlington County, New Jersey, EdiFi Credit Union is headquartered in Willingboro, New Jersey.
The credit union focuses its community outreach efforts on the educational, healthcare, and broader community.
- Headquarters
- 621 Beverly Rancocas Rd Ste 1H, Unit 1H, Willingboro, NJ 08046-3727
- NCUA charter
- 12679
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live or work in Atlantic, Burlington, Ocean, or Mercer counties in New Jersey are eligible for membership.
Employers and groups
- Employees of approved companies are eligible for membership.
- Employees of select hospitals or health-related employers are eligible for membership.
Military, government and schools
- Public school employees in Atlantic, Burlington, Cape May, and Gloucester counties, or employees of select colleges and specialty schools, are eligible for membership.
- Members of the NJEA (New Jersey Educational Association) are eligible for membership.
- State employees or individuals working at a select county or municipality are eligible for membership.
1 more way to join
Family and household
- Immediate family members (including spouse, domestic partner, children, siblings, parents, grandparents, and grandchildren) of a current EdiFi member or employee are eligible for membership.
Cost to join
- An initial deposit of $5.00 is required.
Branches
7 branches in New Jersey
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New Jersey
7 branches
Philadelphia area · 5
- Willingboro Lending Dept.Main office621 Beverly Rancocas Rd Ste 1H, Unit 1H, Willingboro, NJ 08046Directions
- Browns Mills81 Pemberton Browns Mill Rd, Browns Mills, NJ 08015Directions
- Cooper1 Cooper Plz, Camden, NJ 08103Directions
- Glassboro870 Delsea Dr N, Glassboro, NJ 08028Directions
- Willingboro690 Beverly Rancocas Road, Willingboro, NJ 08046Directions
Atlantic City area · 2
- Atlantic City2652 Atlantic Ave, Atlantic City, NJ 08401Directions
- Egg Harbor Township6718 Black Horse Pike, Suite 8, Egg Harbor Twp, NJ 08234Directions
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 | 9.27% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.72% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.56% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $54 | $76 | — |
- CapitalNet worth ratio9.27%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.72%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$54Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 EdiFi Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.