Jersey Central FCU

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JCFCU deposit accounts are the beginning of any financial relationship. We offer a variety of accounts that will help you reach your savings goals as well provide you with easy access and transactional capability.

A share savings account is a basic account that establishes your membership in the credit union. Credit unions are different from banks because every account holder is an owner of the institution, therefore, this account represents your “share” of the credit union. Each member is required to have a share savings account in order to be eligible for any other JCFCU products or services.

Account features:

Minimum opening deposit = $5.00*
Quarterly dividends on balances of $100.00 and above
ATM card
Online banking access
Quarterly statements
Deposits federally insured up to $250,000 by the NCUA

Share savings accounts pay dividends, similar to interest on a bank savings account. Dividends are paid at the discretion of the board of directors.

* Minimum opening deposit of $5.00 is based on setup of automatic deposit such as payroll deduction/direct deposit. Without automatic deposit, minimum opening balance is $100.00.

Unlike a savings account, which has limits on how often you can make certain types of withdrawals, a share draft account allows members to make frequent withdrawals and payments. This is a traditional checking account and is a good place for your everyday spending money.

Account features:

No minimum balance
No monthly maintenance fee
Quarterly dividends on balances of $5000 and above
Debit MasterCard

Access to 55,000+ surcharge-free ATMs worldwide via the Allpoint network
Card Valet - Protect and manage your debit card via mobile device

Setup alerts based on transaction amount, location, merchant type or transaction type
Set limits for spending - great for parents
Safeguard your cards by turning them "off" if they're misplaced or stolen and back "on" when you're ready to use them
Check your account balances or review recent card transactions
Download CardValet from the App Store or Google Play.
Visit www.cardvalet.com for more information

Online banking with bill pay

Schedule payments
eBills
Account transfers
POPMoney

Monthly statements
Reorder Checks

First order of checks free*
Need to order checks? - Click the button below!

Overdraft protection
Deposits federally insured up to $250,000 by the NCUA

* Free first order includes basic, non-premium, checks.

A Share Certificate is similar to a certificate of deposit (CD) issued by a bank. This account pays a guaranteed dividend if held for a specific period or term. Funds are not "liquid" and a penalty is assessed if any portion of the principal is withdrawn before maturity. Share certificates typically earn higher dividends than a regular savings, checking or money market account.

Account features:

Minimum opening deposit = $500.00
Terms of 3 months to 5 years
Deposits federally insured up to $250,000 by the NCUA

View current rates.

Saving is easier when you have a goal and/or purpose in mind. A Club Account is simply a special short-term savings account set up to allow members to prepare for a pre-determined event. Club Accounts can help you save for holiday gifts, vacations, taxes, or any other goal you may have.

Put aside a little bit each pay period and earn the same great rates as Share Savings.

Account features:

Minimum opening deposit = $5.00
Quarterly dividends on balances of $100.00 and above
Deposits federally insured up to $250,000 by the NCUA

You can save as much as you want each pay period. Deposits can be made by mail, in person, or through convenient direct deposit or payroll deduction.

Your funds may be withdrawn upon request.

It's never too early to get your child started on the path toward a sound financial future. By introducing kids to financial matters early, you'll help them understand the concept of money and how it works.

Youth Savings (Ages 17 or younger)

Minimum opening deposit = $5.00
Must have a parent or legal guardian as a custodian on the account
Quarterly dividends on balances of $100.00 and above
Deposits federally insured up to $250,000 by the NCUA

Youth Checking (Ages 14-17)

Minimum opening deposit = $5.00
Must have a parent or legal guardian as a custodian on the account
Debit MasterCard
Free checks
No monthly maintenance fees
Quarterly dividends on balances of $500.00 and above
Deposits federally insured up to $250,000 by the NCUA

Contact Us

Jersey Central FCU

23 North Ave East
Cranford, NJ 07016

Mailing address:
P.O. Box 661
Cranford, NJ 07016

Tel : 888-772-3040
Fax : 908-272-6029
Email : office@jerseycentralfcu.com
Office Hours : Monday - Friday 9:00 a.m. - 4:30 p.m.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

We are an Equal Housing Opportunity Lender. Federally insured by the NCUA. Your savings are insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act.