Credit union · NCUA insured
Members 1st of NJ Federal Credit Union
A $133.3M credit union headquartered in Vineland, NJ, with 13,043 members and 3 branches in New Jersey. Best rates: CDs 3.30% and savings 0.50% APY.
Members 1st of NJ Federal Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#5 of 13 in Vineland, NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members 1st of NJ Federal Credit Union
Members 1st of NJ Federal Credit Union was formed in 1938 as Cumberland Teachers Federal Credit Union to provide lower-cost financial services as a member-owned cooperative.
In 2009, the credit union merged with Salem County School Employee's FCU and adopted the name Members 1st of New Jersey Federal Credit Union.
- Headquarters
- 37 W Landis Ave, Vineland, NJ 08360-8122
- NCUA charter
- 2574
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This may be incomplete or out of date, so check with the credit union before you apply.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 of select employer member groups are eligible for membership.
- Retirees of select employer member groups are eligible for membership.
Family and household
- Immediate family members of select employer group employees are eligible for membership.
Cost to join
- Membership requires opening a Share Savings Account and depositing and maintaining a minimum balance of $5.00.
Branches
3 branches in New Jersey
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New Jersey
3 branches
- Main OfficeMain office37 W Landis Ave, Vineland, NJ 08360Directions
- Bridgeton Office654 Shiloh Pike, Unit G, Bridgeton, NJ 08302Directions
- Thunderbolt Office1601 Cedar St, Millville, NJ 08332Directions
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 | 9.57% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.65% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.65% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $48 | $76 | — |
- CapitalNet worth ratio9.57%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.65%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.65%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$48Peers’ 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 Members 1st of NJ Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.