Jersey Central

PO BOX 661, Cranford, NJ 07016

NCUA Insured4.1 (17 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1937

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

Membership Eligibility

Membership is typically limited to employees of specific companies or industries. Contact the credit union directly to confirm whether you qualify.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1937

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

PO BOX 661

Cranford, NJ 07016

Google Maps 🗺Waze

(908) 272-3040

Service Area

This credit union is located in Cranford and serves members in the NJ area. Currently serving 4,002 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

5.89%

Used Auto Loan

6.85%

Personal Loan

13.52%

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).

Bay Atlantic— New Auto Loan

Vineland, NJ

1.99%

Manville Area— Used Auto Loan

Manville, NJ

4.00%

Linden Nj Police & Firemen— Personal Loan

Linden, NJ

6.99%

Unilever— Credit Card APR

Englewood Cliff, NJ

7.75%

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

Branches & Locations(2 total)

Member Reviews

4.1

17 Google reviews

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

View on Google Maps

Yoli H

a year ago

I have been a member of Jersey Central Federal Credit Union 2009 and has have the worse experience ever. They have very new employees there, that dont know anything about the job... They get you to one point and then steady tell u no for everything else.. Cant wait until I'm finished paying off my loans..

Tony Lee

a year ago

Great credit union they have always been there for me and my family since 1980. Always helpful. Thanks guys

barbara fountain

8 years ago

I have been a member since March of 1978 and have nothing but praise for Pat and Nancy’s prompt and friendly handling of my account. Even moving farther away didn’t impact their ability to expedite my requests. Thank you for all these years....❤️

david

3 years ago

awful awful awful customer serivce; i sat on hold today waiting to talk to customer service over an hour; i called three times; never spoke to anyone; how can they give any type of decent credit union service if they cant master answering the phone