First Harvest Deptford NJ Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Harvest, your trusted financial partner located at 1615 Hurffville Road, Deptford, NJ 08096. Since our establishment in 1940, we have proudly served our community with a strong commitment to helping our members achieve their financial goals. With a total membership of over 45,000 and assets exceeding $449 million, we provide a wide range of services tailored to meet the diverse needs of individuals and businesses alike. At First Harvest, we understand that life can be unpredictable. That's why we offer personal banking solutions such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our dedicated team is here to guide you through your financial journey, whether you're looking to buy your first car or secure a loan for your business. Our community-oriented approach is evident in everything we do. Under the leadership of our CEO, Joseph Dinneen, and Board President, Loretta Winters, we've built a solid foundation based on trust and reliability. We pride ourselves on being more than just a credit union; we're an integral part of the Deptford community. While members can visit us at our branch for friendly service and support, official correspondence should be sent to our mailing address: PO Box 5530, Deptford, NJ 08096. If you have any questions or need assistance, don't hesitate to reach out by calling us at 856-232-9000. Join us today and experience the difference that comes with being part of First Harvest. Together, let's cultivate a brighter financial future! For more information about our services or to explore membership options, visit us online at First Harvest Credit Union.

Branch History & Mission

Welcome to First Harvest, a beacon of financial service and community support in Deptford, NJ. Established in 1940, we have grown alongside our community, building a rich legacy of trust and commitment. Over the years, First Harvest has expanded significantly, now proudly serving a membership base of over 45,000 individuals who rely on us for their banking needs. Located at 1615 Hurffville Road, our branch is easily accessible to all members. Whether you're heading to work or running errands, you can find us right in the heart of Deptford. Our location is not just about convenience; it reflects our commitment to being an integral part of the local landscape. Our mission at First Harvest is simple yet powerful: to provide exceptional financial services while fostering community growth. We believe that when our members thrive, so does our community. This guiding principle drives everything we do from personal banking solutions like checking and savings accounts to auto loans and mortgages. We also offer business banking services because we understand that supporting local businesses strengthens our neighborhoods. While members can visit us at 1615 Hurffville Road for their banking needs, official correspondence should be sent to PO Box 5530, Deptford, NJ 8096. This ensures that we stay connected with our members effectively. As part of our dedication to enhancing your banking experience, we've embraced modern technology. With features like online and mobile banking available, managing your finances has never been easier. Plus, with ADA-compliant facilities and services such as drive-thru banking and ATM access, we strive to ensure everyone can benefit from our offerings. At First Harvest, community outreach is at the heart of what we do. We actively partner with local organizations and schools to make a positive impact in Deptford and beyond. By participating in various initiatives and events throughout the year, we aim to uplift those around us while promoting financial literacy. With total assets reaching $449 million and counting, First Harvest continues to grow stronger each year. We invite you to join us on this journey become a member today! Experience the difference that comes from being part of a credit union that truly cares about its members and the community. Reach out to us at 856-232-9000 or visit our website at First Harvest for more information on how we can serve you better. Together, let's cultivate success for ourselves and for our beloved community!

Branch Location & Accessibility

Welcome to the First Harvest branch located at 1615 Hurffville Road in Deptford, NJ! This convenient spot is easily accessible and situated near several local landmarks, making it a perfect hub for your banking needs. Whether you're stopping by for personal banking services or just passing through, our location is designed to be welcoming and user-friendly. While members can visit us at our branch address, official correspondence should be sent to PO Box 5530, Deptford, NJ 8096. The branch itself is nestled in Gloucester County, surrounded by the vibrant community of Deptford. You'll find plenty of parking available, ensuring that your visit is hassle-free. We've also made sure that our facility is accessible for all members, featuring ADA-compliant entrances and ramps. Our operating hours are designed to fit your busy schedule. We're open from 8:30 AM to 5:00 PM Monday through Wednesday, extending our hours to 8:30 AM to 6:00 PM on Thursdays and Fridays. For those who prefer weekend banking, we're here for you on Saturdays from 9:00 AM to 1:00 PM at our drive-thru. At First Harvest, we pride ourselves on offering a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we have something for everyone. Plus, with an ATM available on-site and drive-thru services for quick transactions, managing your finances has never been easier. If you have any questions or need assistance, don't hesitate to reach out! Call us at 856-232-9000; we're always happy to help. We look forward to seeing you soon at First Harvest!

Member Eligibility

At First Harvest, we believe that everyone deserves a chance to be part of a friendly and supportive financial community. If you're looking to join us, eligibility is quite simple! Our doors are open to individuals who live, work, worship, or attend school in our local area. Whether you're new to the community or have been here for years, we want to welcome you with open arms. Being a member at First Harvest means gaining access to personalized banking services, competitive rates on loans, and resources designed to help you achieve your financial goals. To get started on your journey with us, simply visit our branch located at 1615 Hurffville Road Deptford Nj 08096 or give us a call at (856) 232-9000. For more detailed information about eligibility criteria, feel free to check out our website at . When you're ready to open an account and experience the benefits of membership firsthand, you can find all the necessary steps at https://sjfcu.online-cu.com/isuite5/features/auth/selfenrollment/selfenrollmentdisclosure.aspx?fkiyj3dr6nliwniw9ryvzq=ehfzcympjwytjpgxqbjveo . Join us today and take the first step toward a brighter financial future!

Business Banking & Commercial Services

Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $7 in commercial loans for our members, helping businesses scale and succeed.

Merchant Services

But we don't stop at loans. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Imagine having the ability to accept payments easily, manage cash flow efficiently, and enhance customer satisfaction all from one trusted partner. Visit us at 1615 Hurffville Road Deptford Nj 08096 in Deptford, NJ or call us at (856) 232-9000 to discover how our business banking and commercial services can help you thrive!

Non-Member Support

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to meet diverse needs.

Outstanding Portfolio

With an outstanding commercial loan portfolio of $689,243, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility & Service

We aim to provide accessible banking solutions through our basic drive-thru banking services where you can conduct deposits and withdrawals without leaving your car. Whether you prefer in-person interactions or digital convenience, we have options that work for you. If you'd like more information about any of our services or need assistance, please feel free to call us at (856) 232-9000. We invite you to visit us at 1615 Hurffville Road Deptford Nj 08096, explore our offerings further on our website at Deptford, or simply stop by during our operating hours: Monday through Wednesday from 8:30 AM - 5:00 PM, Thursday and Friday until 6:00 PM, and Saturday from 9:00 AM - 1:00 PM. Let us help you achieve your financial goals today!

Business Banking Solutions

For entrepreneurs and business owners, First Harvest provides essential services like merchant services and business loans. We know how crucial it is to have reliable support for your business needs, whether it's managing cash flow or investing in growth opportunities.

Credit Cards & Rewards

We believe in rewarding our members, which is why we offer credit cards with rewards. Enjoy benefits like cashback on purchases or points that can be redeemed for travel and experiences. This card can enhance your spending power while giving back to you.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we've invested in robust online and mobile banking platforms. With these tools, you can check balances, transfer funds, and pay bills right from your smartphone or computer anytime and anywhere. Our members also have access to ATMs for easy cash withdrawals and balance checks.

Personal Banking

For individuals, we offer a variety of checking and savings accounts that can help you manage your finances effectively. Our accounts come with features that suit different lifestyles, from daily transactions to long-term savings goals. If you're in the market for a vehicle, our auto loans and vehicle financing options provide competitive rates, making it easier for you to get behind the wheel of your dream car. Homeownership is also within reach thanks to our mortgage loans and refinancing options. We understand that buying a home is one of the biggest decisions you'll make, so we're here to guide you through every step of the process. Additionally, if you're looking to consolidate debt or cover unexpected expenses, our personal loans are designed with flexible terms to fit your budget.

Digital & Online Banking

Key Features

Our mobile application takes convenience a step further. It allows you to bank on the go with features like mobile payments, so you can make purchases without needing cash or cards. You can also send money easily through our person-to-person transfer feature perfect for splitting bills or sending gifts to friends. For those who prefer paperless options, we provide electronic signature authorization and e-statements. This means you can sign documents securely online and receive your statements digitally, reducing clutter and making it easier to keep track of your finances. Security is at the heart of everything we do. Our robust systems ensure that your information is protected while you're banking online. You can feel confident knowing that your transactions are secure. At First Harvest, we believe that banking should be simple and accessible for everyone. Our user-friendly tools allow for real-time account management right from your smartphone or computer. So whether you're at home or on the go, managing your finances has never been easier!

Financial Strength

Community Trust

Total Share and Deposit Accounts: 71,784, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $418,471. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Harvest is your trusted partner. Visit us at 1615 Hurffville Road Deptford Nj 08096 or call (856) 232-9000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $85,453,718 in share certificates and $25,668,192 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $-426,211 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 147 full-time employees and 15 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $34,879,749 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $2,230 in used auto loans and $271,871,067 in total loans and leases.

Solid Financial Health

With a net worth of $35,548,428, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $789 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $37,030,444 in used vehicle loans and $14,399,114 in new vehicle loans already helping members get on the road. We provide tailored solutions for both new and used vehicles to fit your budget and lifestyle.

Commercial Loans

For business owners looking for capital to grow and expand, our outstanding commercial loans totaling $689,243 provide the support you need. We recognize the importance of small businesses in our community and strive to assist them with accessible financing options.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $48,773,767, making buying or refinancing simple. We are here to guide you through the process with competitive rates and personalized service.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for new ones, our team is ready to assist. We believe in finding solutions that work best for you and can help assess your current situation to determine the most beneficial path forward. Whether you're just starting your financial journey or looking to expand your horizons, First Harvest is here for you. Visit us at 1615 Hurffville Road Deptford NJ 08096 or call us at 856-232-9000 to learn more about how we can assist you with our various loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

Managing finances can sometimes be tricky. That's why we also offer flexible terms on unsecured credit card loans, with a total of $9,223,393 in loans helping members manage their finances effectively. With our credit card options, you can make purchases when needed while enjoying peace of mind.

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FIRST HARVEST FEDERAL CREDIT UNION