Jersey Shore Credit Union Northfield NJ | Affordable Auto Loans & Business Banking

Introduction

Welcome to Jersey Shore, your trusted financial partner located at 1434 New Rd, Northfield, NJ 08225. Since our establishment in 1963, we have proudly served our community, growing to a vibrant membership of over 16,300 individuals. With total assets reaching an impressive $236,125,437, we are dedicated to providing our members with the financial tools and resources they need to thrive. At Jersey Shore, we believe in the power of community. Our commitment is reflected not only in our member services but also in our strong financial standing. We currently hold total deposits of $11,850,245 and maintain a net worth of $20,165,098, showcasing our stability and reliability as your credit union. We understand that each member's needs are unique; that's why we offer a variety of services including personal banking, auto loans, mortgages, and business banking solutions. Our team is led by CEO James Burns and Board President Jack Hickey, both of whom are passionate about ensuring that our members receive exceptional service. With a staff of 62 dedicated employees, we're here to help you navigate your financial journey every step of the way. While you can visit us at our branch for all your banking needs, official correspondence should be directed to our mailing address: 1434 New Rd, Northfield, NJ 8225. Whether you're looking for assistance with loans or exploring savings options, we invite you to reach out or stop by. You can contact us at 609-646-3339 for any inquiries or visit our website at Jersey Shore FCU for more information on how we can serve you better. Join us today and become part of a community that values you!

Branch History & Mission

At Jersey Shore, we take pride in our rich history and unwavering commitment to our community. Established in 1963, our Northfield branch has grown from a small credit union into a vital financial resource for over 16,300 members. Located at 1434 New Rd, Northfield, NJ 08225, we are nestled in the heart of Atlantic County, easily accessible and ready to serve your financial needs. From the beginning, our mission has been clear: to provide exceptional financial services while fostering community support. We believe that banking should be more than just transactions; it's about building relationships and contributing to the well-being of our members and the surrounding community. Our total assets now exceed $236 million, reflecting our growth and stability over the decades. Jersey Shore is not just about numbers; it's about people. We have continually adapted to meet the needs of our members by embracing digital advancements such as online banking and mobile payments. This ensures that everyone can access their accounts anytime, anywhere. Moreover, our drive-thru service offers convenience for those on-the-go, while our shared service center makes it easy for members of partner credit unions to conduct transactions with us. Our commitment extends beyond banking services. We actively participate in community outreach initiatives that make a real difference in people's lives. Whether through local events or partnerships with non-profits, we aim to uplift those around us. While members can visit us at 1434 New Rd for all their banking needs, official correspondence should be sent to our mailing address at 1434 New Rd, Northfield, NJ 8225 if different from the branch address. As we look towards the future, we invite you to join us on this journey. Experience firsthand how Jersey Shore can help you achieve your financial goals while being part of a caring community. For inquiries or assistance, don't hesitate to reach out at 609-646-3339. Join us today and become a part of something bigger!

Branch Location & Accessibility

Welcome to the Jersey Shore branch, your friendly neighborhood credit union located at 1434 New Rd, Northfield, NJ 08225. Nestled in the heart of Atlantic County, our branch is conveniently positioned near local landmarks, making it easy for you to stop by for all your banking needs. Whether you're heading to the nearby shopping centers or visiting friends in the area, we're just a short drive away. At Jersey Shore, we understand that accessibility is key. Our branch offers ample parking and features that cater to everyone's needs, including ADA compliance to ensure all members can easily access our services. Plus, our drive-thru banking option makes transactions quick and convenient without leaving your vehicle. We are here for you during our welcoming operating hours: Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. If you need assistance outside of these times, feel free to contact us at 609-646-3339 we're always happy to help! For those who prefer accessing their accounts on-the-go, we offer ATM availability right here at our location and shared services with partner credit unions for your convenience. While members can visit us at our main address for in-person banking services, official correspondence should be sent to the same address as well. Whether you're looking to open a new account, apply for an auto loan, or just have questions about your current services, we invite you to visit us at Jersey Shore. Our team is eager to assist you with personalized service tailored to meet your financial needs. Come see us today!

Member Eligibility

Joining the Jersey Shore community means becoming part of a supportive family that values your financial well-being. At Jersey Shore, we welcome individuals who live, work, worship, or attend school in Atlantic County, NJ. This inclusive approach ensures that many can take advantage of our personalized services. Whether you're looking for a savings account to grow your funds or an auto loan to get you on the road, becoming a member opens doors to a variety of financial products tailored just for you. For detailed eligibility criteria and updates, feel free to check out our website at this link. Getting started is easy! If you're ready to open an account or have questions about the process, just give us a call at (609) 646-3339 or visit us at our branch located at 1434 New Rd Northfield Nj 08225. We're here to guide you every step of the way!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $88 in non-member commercial loans, providing flexible financing solutions. Imagine being able to invest in new equipment or expand your operations without worrying about cash flow. With our tailored loans, you can focus on what you do best running your business.

Merchant Services That Make Sense

In today's fast-paced market, offering customers easy payment options is crucial. Our merchant services simplify transactions so you can focus on growing your customer base. Whether you're selling products online or in-store, we provide tools that make it easy for you to accept payments securely and efficiently. Join us at Jersey Shore located at 1434 New Rd Northfield Nj 08225 in Northfield, NJ. Let's work together to build a bright future for your business! For more information, give us a call at (609) 646-3339.

Comprehensive List Of Services

ATM and Drive-Thru Services

We understand that sometimes you need quick access to cash or banking services without stepping inside. Our branch includes an ATM for cash withdrawals, ensuring you have easy access to your funds. Our Drive-Thru Banking allows for simple transactions like deposits and withdrawals without leaving your car perfect for busy days!

Business Banking Services

For small businesses in the community, we offer essential tools through our Business Banking services. From Merchant Services that simplify payment processing to tailored Business Loans that fuel growth, Jersey Shore is here to support local entrepreneurs.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking services, so you can manage your finances anytime and anywhere. With features like mobile payments and person-to-person transfers, banking has never been easier or more accessible.

Personal Banking Solutions

We offer various personal banking options tailored for everyone. Whether you are looking to open a checking or savings account, our accounts come with features that help you manage your money effectively. If you're dreaming of a new car, our Auto Loans & Vehicle Financing can help turn that dream into reality with competitive rates and flexible terms. For those considering homeownership, our Mortgage Loans & Refinancing options make it easier for you to buy your first home or refinance an existing mortgage to save on interest. Life can sometimes throw unexpected expenses your way, which is why we provide Personal Loans & Debt Consolidation services. These loans are designed to help ease financial burdens by consolidating high-interest debts into manageable payments. Plus, don't forget about our Credit Cards with Rewards, allowing you to earn benefits while making everyday purchases.

Shared Branching Opportunities

As part of our commitment to community banking, we also offer basic shared branch transactions for members of partner credit unions. This means you can make deposits and withdrawals conveniently even when visiting other locations. No matter what financial service you need, Jersey Shore is here to help! If you'd like more information about any of our offerings or if you're ready to get started with an account or loan application, don't hesitate to call us at 609-646-3339 or visit us online at Jersey Shore. We look forward to serving you!

Digital & Online Banking

E-Statements for Your Convenience

Say goodbye to paper clutter! We offer e-statements that let you view and manage your account statements online. This not only keeps things organized but also helps reduce waste a win for both you and the environment. In summary, Jersey Shore provides a comprehensive suite of digital banking tools designed to empower you with real-time account management and unmatched convenience. Experience the future of banking today!

Easy Online Access

With our online banking services available at jerseyshorefcu.org, you can check your account balances, transfer funds, and pay bills from the comfort of your home or on the go. Whether you're using a computer or mobile device, our user-friendly interface ensures that you can navigate with ease.

Going Mobile

Our mobile application enhances your banking experience even further. You can make mobile payments effortlessly, ensuring quick and easy transactions right from your smartphone. And if you need to send money to friends or family, our person-to-person transfer feature makes it simple and instant.

Secure Transactions

Your safety is our priority. We provide electronic signature authorization for secure transactions, so you can complete important paperwork without having to visit a branch. Plus, with 24/7 online banking services, you have the freedom to manage your money at any time, day or night.

Financial Strength

Dedicated Team to Serve You

We take pride in having 51 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team. This commitment to service is part of what makes Jersey Shore a trusted partner for your financial needs.

Growing Membership Base

With 31,752 total share accounts, we show a strong and growing member base that trusts us with their finances. This growth signifies the confidence our community has in Jersey Shore as their financial institution. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Jersey Shore is your trusted partner. Visit us at 1434 New Rd Northfield NJ 08225 or call 609-646-3339 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Focused Savings

Members' savings are secured through $31,187,977 in share certificates and $21,131,641 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This focus allows us to provide better loan rates and exclusive perks.

Solid Financial Health

With a net worth of $20,165,098, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 854 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings and Lending Capacity

With $16,240,318 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is evident with 1,598 used auto loans and a total of $121,233,145 in loans and leases, supporting our members' financial goals across various sectors. Our operational efficiency is also reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $25,235,671 in used vehicle loans and $8,118,993 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make car ownership more accessible.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,678,270 in loans helping members manage their finances effectively. Our credit cards come with features that can benefit your spending habits while providing the support you need for unexpected expenses.

Credit Lines

For those needing additional financial flexibility, our credit lines totaling $14,299,651 can help bridge the gap between income and expenses. These lines allow you to access funds as needed while only paying interest on what you use. If you're considering refinancing any of these options or checking eligibility for our products, we invite you to reach out for personalized assistance. Our team is ready to guide you through the details and find the best solutions tailored for you. For more information about our loan offerings or to apply for a loan today, visit us at 1434 New Rd Northfield NJ 08225 or call us at 609-646-3339. Your financial future starts here! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $26,503,357, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your existing mortgage, our dedicated team is here to help you through the process.

Loan Aggregator

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing ensures that all loan offers are fair and transparent. By working with legitimate financial institutions, LendMesh guarantees that users receive verified data for their comparisons.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from trustworthy financial institutions, which means you can trust the information provided. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions. The focus remains solely on delivering unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, enabling smarter financial choices. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly the platform is. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

JERSEY SHORE FEDERAL CREDIT UNION - Northfield, NJ

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