Credit union · NCUA insured
HEFCU
Top CarrotA $134.7M credit union headquartered in Princeton, NJ, with 14,802 members and 2 branches in New Jersey. Best rates: CDs 4.47% and savings 0.15% APY.
HEFCU Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#2 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 HEFCU
Healthcare Employees Federal Credit Union is headquartered in Princeton, New Jersey, and is dedicated to improving the lives of New Jersey's healthcare employees.
- Headquarters
- 29 Emmons Dr Ste C40, Princeton, NJ 08540-5971
- NCUA charter
- 24150
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to employees whose employer offers HEFCU as a free employee benefit.
- Personal Members of the New Jersey Hospital Association (NJHA) are eligible for membership upon approval by NJHA and remittance of a one-time, $15 non-refundable dues payment to NJHA.
Family and household
- Spouses, significant others, children, parents, siblings, grandparents, or individuals living in the same household of an eligible person are eligible to join, whether that person becomes a member or not.
Cost to join
- A one-time, $15 non-refundable membership dues payment made payable to NJHA is required for those joining via NJHA Personal Membership.
- An initial deposit of at least $5 into a Primary Savings account is required to establish HEFCU membership.
Branches
2 branches in New Jersey
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New Jersey
2 branches
Trenton area · 1
- Main OfficeMain office29 Emmons Dr Ste C40, Princeton, NJ 08540Directions
Philadelphia area · 1
- Mount Holly175 Madison Ave, Mount Holly, NJ 08060Directions
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 | 13.58% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.62% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.75% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio13.58%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.62%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.75%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ 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 HEFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.