Back to Carteret credit unions

Mid-State

237 Roosevelt Ave, Carteret, NJ 07008
NCUA Insured3.9 (22 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1950

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

237 Roosevelt Ave

Carteret, NJ 07008

Service Area

This credit union is located in Carteret and serves members in the NJ area. Currently serving 1,150 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.24%

Used Auto Loan

5.24%

Personal Loan

10.90%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NJ

Lowest rates currently reported by credit unions in NJ (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

3.9

22 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Karen Ferreira

Karen Ferreira

3 months ago

I have been a member for over 25 years. I have always had pleasant service, until today. I dealt with someone on the phone which I have never spoken to before. She was Rude.... I am truly thinking of moving my money to another banking institution after 25 years...

Cynthia Perry

Cynthia Perry

9 months ago

My husband and I have been members of this Credit Union 25+ years. The staff is very pleasant however, banking privacy was never in question until today. I called the office to gain access to virtual banking! Anna provided the last 4 digits of social security and home address, instead of asking me to verify the information to what she has on record. At that point I stopped her. This is privacy 101. You never know who is on the other end regardless of who I say that I am. This is a huge red flag for me and we question to keep this account.

Negative Experience

Negative Experience

3 months ago

I went here to open a account for an auto loan, I didn’t get approved so I wanted to ask some questions to apply for a another loan for a different car to see if I’d get approved but the lady who worked here was so rude I didn’t even care to ask the questions I just ended up closing the account not sure if she was having a bad day or what and everytime I went no matter if it was weekday or weekend afternoon or morning there was never a loan officer the other reviews are good so Maybe I caught them on there off days but hey I think first impressions are everything and that was not it!

Caroline Payne

Caroline Payne

3 years ago

I was at the branch today to handle an issue with my debit card. Ms. Charlene was very helpful in explaining what the issue may have been. I remembered that someone tried to reach out to me during work hours about a suspected fraud issue with my joint account, but I forgot to call them back when I was able to. I acknowledged my fault, and inquired what I should do to correct this. She asked a Hispanic coworker, who is always very curt and sarcastic in her responses. I try not to deal with her whenever I go because she has very poor customer service skills (in my opinion). She was of no assistance in my situation, nor did she seem to care where to direct me to for assistance. Ms. Charlene had my husband use his debit card outside to see if it would work (which it did ), and she told me to call the 888 number on the back to help me out. Everyone else is great there!!!

Barbara Lyons

Barbara Lyons

4 years ago

I have been looking to open up an account at a Credit Union and have met with a few in the area. MidState Federal Credit Union is going to get my business because of their great customer service and competitive rates. The manager at MidState was so helpful and answered all of my questions she spent over and hour with me!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).