Credit union · NCUA insured
United Poles Federal Credit Union
Top CarrotA $72.7M credit union headquartered in Perth Amboy, NJ, with 2,164 members and 3 branches in New Jersey. Best rates: CDs 3.76% and savings 0.51% APY.
United Poles Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#42 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 United Poles Federal Credit Union
United Poles Federal Credit Union was federally chartered in 1965.
The credit union serves the financial needs of Polish-American ethnic communities.
- Headquarters
- 412 New Brunswick Ave, Perth Amboy, NJ 08861
- NCUA charter
- 16577
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to employees of United Poles Federal Credit Union.
- Membership is available to members of Nest 822 of the Polish Falcons in South River, NJ.
- Membership is available to members of Polish-American Congress, the New Jersey Division.
- Membership is available to members of Polish National Fund of New Jersey.
- Membership is available to members of Polish Veterans Association in South River, NJ.
- Membership is available to members of United Poles in America, Inc. (also known as ZPA in Perth Amboy, NJ).
2 more ways to join
Family and household
- Membership is available to immediate family and household members of partner association members and Credit Union employees.
Other ways
- Membership is available to organizations of eligible persons (members of partner associations, employees, and their immediate family/household members).
Cost to join
- The minimum deposit in a share-savings account is $50.00.
- Annual dues of $20 to join ZPA, payable upfront at the time of opening an account until the end of the calendar year and thereafter on each March 1st. Minors and family members of current members are exempt.
Branches
3 branches in New Jersey
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New Jersey
3 branches
- Main OfficeMain office412 New Brunswick Ave, Perth Amboy, NJ 08861Directions
- East Brunswick Branch111 Main St Ste 2, East Brunswick, NJ 08816Directions
- Linden Branch1161 W St Georges Ave, Linden, NJ 07036Directions
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
Adequately capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 6.95% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.96% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.54% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $91 | $59 | — |
- CapitalNet worth ratio6.95%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.96%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.54%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$91Peers’ 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 United Poles 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.