Credit union · NCUA insured
Messiah Baptist Church Federal Credit Union
A $908K credit union headquartered in East Orange, NJ, with 167 members. Best rates: savings 1.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards.
- CDs—4.00%CD rates →
- Savings—1.00%Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Messiah Baptist Church Federal Credit Union
Messiah Baptist Church Federal Credit Union is a credit union located in East Orange, New Jersey, chartered in 1973.
Its mission focuses on empowering African American individuals and families and supporting community development.
- Headquarters
- 13 Oak St # 17, East Orange, NJ 07018
- NCUA charter
- 21440
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This may be incomplete or out of date, so check with the credit union before you apply.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 or members of Messiah Baptist Church are eligible for membership.
- Organizations of Messiah Baptist Church are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings, and adoptive relationships) and household members (persons living in the same residence maintaining a single economic unit) of an employee or member of Messiah Baptist Church are eligible for membership.
Branches
Branches
No public branch offices are listed in the regulator directory.
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 | 8.55% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.33% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio8.55%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.33%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ 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 Messiah Baptist Church 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.