Credit union · NCUA insured
First Harvest Credit Union
Top CarrotA $472.6M credit union headquartered in Deptford, NJ, with 50,216 members and 6 branches in New Jersey. Best rates: CDs 4.25% and savings 3.00% APY.
First Harvest Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#12 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 First Harvest Credit Union
Chartered in 1940 to serve employees of the New York Shipbuilding Corporation, First Harvest Credit Union is now New Jersey's largest Low Income-Designated credit union.
Originally named IUMSWA Federal Credit Union, it operated as Shipbuilders, South Jersey Maritime, and South Jersey Federal Credit Union before rebranding as First Harvest in 2021.
The member-owned credit union operates six branches and five ATM locations across six Southern New Jersey counties, serving more than 51,000 members.
- Headquarters
- 1615 Hurffville Rd, Rear Building, Deptford, NJ 08096
- NCUA charter
- 3951
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and affiliates of partner Select Employer Groups (SEGs) and local partner organizations across Southern New Jersey are eligible for membership.
Branches
6 branches in New Jersey
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New Jersey
6 branches
Philadelphia area · 4
- Camden227 Market St, Camden, NJ 08102Directions
- Deptford1615 Hurffville Road, Deptford, NJ 08096Directions
- Mount Laurel1180A Nixon Dr, East Gate Shopping Center, Mount Laurel, NJ 08054Directions
- Voorhees6 Haddonfield Berlin Rd, Voorhees, NJ 08043Directions
Atlantic City area · 1
- Pleasantville15 W West Jersey Ave, Pleasantville, NJ 08232Directions
Vineland area · 1
- Vineland818 E Landis Ave, Vineland, NJ 08360Directions
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 | 8.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.96% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.36% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $83 | $76 | — |
- CapitalNet worth ratio8.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.96%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.36%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$83Peers’ 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 First Harvest Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.