Irco Community

450 Hillcrest Blvd, Phillipsburg, NJ 08865

NCUA Insured3.5 (37 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1966

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

Membership Eligibility

Anyone who lives, works, or worships in or around Phillipsburg, NJ may be eligible to join. Community credit unions are open to the general public within their service area.

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 1966

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

450 Hillcrest Blvd

Phillipsburg, NJ 08865

Google Maps 🗺Waze

(908) 859-1811

Service Area

This credit union is located in Phillipsburg and serves members in the NJ area. Currently serving 6,542 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

6.49%

Used Auto Loan

14.25%

Personal Loan

9.99%

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

3.5

37 Google reviews

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

View on Google Maps

james kelly

5 months ago

I was taught how to save when we were in 4th grade freeman school we did a Field trip to the little yellow building across from Mahoney field with our 5 dollars to start our accounts . They are truly a great group of people. I’ll be 60 this year . They’ve been my bank forever. 45+years of great service

Alex Dacosta

a year ago

Going through a tough time had 5$ over draft. That had been taken care of. Lock my card. The manager of saves sasted me and told me she'll send me send me a new 60 days. I've a been a client for almost 10 years. Totally uncalled for and very unprofessional.

Patricia Nemeth

a year ago

A shout out to the young lady, Shantae, who answered my call into IRCO this July, Wednesday morning regarding an online banking, log in issue. In a matter of minutes, she managed to guide me through the required steps to update my code. Her demeanor was calm, cool and collected. Quite an asset to the NJ banking team.

Richard Y

a year ago

Wow! What an awesome, friendly branch bank. Everyone is genuinely nice and helps when they can. There was a rather loud person in the bank, and the staff dealt with them with compassion. Thank you IRCO!

Stefanie Jennings

a year ago

I've used this bank for many years. Very friendly staff. Easy to use and safe website. Worth changing over to. Addition- everyone is still friendly, helpful, and informative. Also the Phillipsburg location is doing a revamp to the interior and it looks wonderful. Thank you for years of great service.