Credit union · NCUA insured
H & E Telephone FCU
A $46.1M credit union headquartered in Rochelle Park, NJ, with 2,660 members and 1 branch in New Jersey. Best rates: CDs 3.61% APY.
H & E Telephone FCU Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#137 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 H & E Telephone FCU
H&E Telephone Federal Credit Union is a member-owned financial cooperative operating since 1967.
It was originally formed to serve employees and family members of New Jersey Bell and AT&T.
- Headquarters
- 201 W Passaic St Ste 304, Rochelle Park, NJ 07662-3126
- NCUA charter
- 17569
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of American Legion Post 170 are eligible to join.
- Englewood Hospital Nurses are eligible to join.
- Employees of Verizon, Verizon Wireless, AT&T, and Extel Communications are eligible to join.
Military, government and schools
- Police and firefighters are eligible to join.
Family and household
- Families (parents, spouse, children, siblings, and grandchildren) of eligible group members are eligible to join.
Branches
1 branch in New Jersey
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New Jersey
1 branch
- Rochelle ParkMain office201 W Passaic St Ste 304, Rochelle Park, NJ 07662Directions
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 | 15.14% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.46% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.17% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $57 | $59 | — |
- CapitalNet worth ratio15.14%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.46%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.17%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$57Peers’ 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 H & E Telephone FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.