Credit union · NCUA insured
S. Middlesex FCU
Top CarrotA $47.6M credit union headquartered in East Brunswick, NJ, with 2,887 members and 1 branch in New Jersey. Best rates: CDs 4.25% and savings 1.90% APY.
S. Middlesex FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#24 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 S. Middlesex FCU
Founded in 1939, Southern Middlesex County Teachers Federal Credit Union is a member-owned cooperative financial institution headquartered in East Brunswick, New Jersey.
The credit union serves as a thrift institution for over 4,000 employees of public school districts in Middlesex County.
- Headquarters
- 39 Brunswick Woods Dr, East Brunswick, NJ 08816-5601
- NCUA charter
- 3126
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Contractual employees of designated public school districts in Middlesex County are eligible for membership.
Family and household
- Immediate family members of a Credit Union member are eligible for membership.
Branches
1 branch in New Jersey
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New Jersey
1 branch
- Southern Middlesex County Teachers FCUMain office39 Brunswick Woods Dr, East Brunswick, NJ 08816Directions
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 | 10.78% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.19% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.30% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $29 | $59 | — |
- CapitalNet worth ratio10.78%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.19%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.30%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$29Peers’ 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 S. Middlesex FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.