Ocean County Employees Credit Union Toms River NJ | Affordable Vehicle Loans & Online Banking

Introduction

Welcome to Ocean County Employees Federal Credit Union, where community and trust are at the heart of everything we do. Located conveniently at 118 Washington St, Toms River, NJ 08753, we have proudly served our members since 1968. With a dedicated team of just one employee, we strive to provide personalized service and tailored financial solutions to meet your needs. At Ocean County Employees, we believe in the power of community. Our commitment is reflected in our membership base of 370 individuals who trust us with their finances. We currently manage total assets of $1,494,696 and maintain a strong net worth of $252,036, ensuring that your money is secure with us. Whether you're looking for checking accounts, auto loans, or credit cards with rewards, we're here to help you navigate your financial journey. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 2191, Toms River, NJ 8754. We invite you to explore the various services we offer, including personal banking options like savings accounts and debt consolidation loans. Under the leadership of our CEO, Irene Marin, and Board President Sheila Burke-Jaccoud, we are committed to transparency and member satisfaction. You can reach us at 732-341-4004 during our lobby hours from Monday through Thursday between 7:30 AM and 1:00 PM. Join us today and discover why Ocean County Employees Federal Credit Union is more than just a bank; it's a partner in your financial success!

Branch History & Mission

Community Engagement

Our commitment extends beyond banking; it encompasses active participation in community outreach initiatives. We partner with local organizations and participate in events aimed at enhancing the quality of life in Toms River and surrounding areas. We understand that a strong community is built on collaboration and shared goals. As technology evolves, so do we. While currently lacking features like ATM services or drive-thru banking, we continually explore ways to improve accessibility for all members. Our focus on customer service means that every interaction is meaningful. Join us today! Experience the personal touch that sets Ocean County Employees Federal Credit Union apart from traditional banks. Together, let's build a brighter financial future for you and our community! Call us at 732-341-4004 or visit us during our lobby hours your journey towards financial empowerment begins here!

Our Mission

At Ocean County Employees Federal Credit Union, our mission is simple yet powerful: to provide accessible financial services while fostering a sense of community. We believe in empowering our members by offering personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We are dedicated to not just helping you manage your money but also helping you achieve your dreams. While members can visit us at 118 Washington St, official correspondence should be sent to PO Box 2191, Toms River, NJ 8754. Our operating hours are designed to accommodate busy schedules: we are open Monday through Thursday from 7:30 AM to 1:00 PM.

Branch Location & Accessibility

Call-to-Action

Ready to experience personalized banking? We invite you to visit us at Ocean County Employees Federal Credit Union. If you have any questions or need assistance before stopping by, feel free to call us at 732-341-4004. We're here for you!

Operating Hours

We're open Monday through Thursday from 7:30 AM to 1:00 PM, providing a range of services tailored to meet your banking needs. Whether you're looking to open a checking account or inquire about loan options, our friendly staff is ready to assist you during these hours.

Parking and Accessibility

We understand that accessibility is important for all our members. Our branch offers convenient parking options right outside our door. Additionally, we have features in place to ensure everyone can easily navigate our space, including ADA-compliant ramps for those who may need them.

Services Offered

At Ocean County Employees Federal Credit Union, we pride ourselves on offering a variety of services designed for personal and business banking. From checking and savings accounts to auto loans and credit cards with rewards, we have solutions that cater to both individuals and local businesses. While we currently do not offer ATM services or drive-thru banking at this location, our team is always available to help with cash withdrawals and other transactions inside the branch.

Member Eligibility

At Ocean County Employees, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easier than you might think! If you live, work, or worship in the area, you're likely eligible to join us. We're here to support individuals like you by offering a range of financial services tailored to your needs, from personal banking to loans and credit cards. You can find all the specific details about membership eligibility on our website at . Once you're ready to take the next step, opening an account is a straightforward process that can be done with just a call or visit. Feel free to reach out to us at (732) 341-4004 for any questions or assistance. We're located at 118 Washington St Toms River Nj 08753, and we'd love to help you become part of our family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have $0 in total commercial loans available, we're dedicated to helping our members achieve their goals. We're eager to assist you with flexible financing options tailored just for you.

Merchant Services

Imagine being able to process payments quickly and easily at your business. Our merchant services provide the tools you need to accept credit cards and other payments, ensuring a smooth transaction experience for your customers. This means you can focus more on running your business while we handle the payment logistics. Let us help you take the next step in your business journey at 118 Washington St Toms River Nj 08753, Toms River, NJ. For inquiries, give us a call at (732) 341-4004. Together, we can pave the way for your success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car or need financing for a reliable vehicle, our auto loans and vehicle financing options can make the process straightforward. We work with you to find the right loan terms that fit your budget, so you can drive away happy without breaking the bank.

Business Banking Services

For our business members, we provide comprehensive business banking solutions, including merchant services and business loans. We understand that running a business comes with its own set of challenges, which is why we're committed to supporting local entrepreneurs by offering resources designed to help them thrive.

Credit Cards with Rewards

Our credit cards with rewards give you more than just purchasing power; they offer benefits that enhance your spending experience. Earn points for everyday purchases and redeem them for exciting rewards it's an easy way to get more from what you already spend.

Digital Banking Convenience

We also recognize the importance of convenience in today's fast-paced world. That's why we offer robust online and mobile banking services. You can manage your accounts anytime, anywhere whether it's checking balances or transferring funds all from the palm of your hand. With all these services available at Ocean County Employees Federal Credit Union, we aim to make banking easier for you. If you have questions or want to learn more about how we can assist you, don't hesitate to call us at 732-341-4004 during our lobby hours from Monday through Thursday between 7:30 AM and 1:00 PM. Join us today and discover how Ocean County Employees can be your trusted partner in achieving financial success!

Home Financing Options

Thinking about buying a home? Our mortgage loans and refinancing services can help make that dream a reality. Whether it's your first home or you're refinancing an existing mortgage, our team is here to guide you through every step of the process. We strive to provide solutions that align with your financial situation and long-term goals.

Personal Banking Solutions

Whether you're just starting out or looking to expand your savings, our personal banking options include checking and savings accounts designed for convenience and accessibility. Imagine having a checking account that fits seamlessly into your daily life, allowing you to manage your expenses with ease. For those looking to save for future goals, our savings accounts offer competitive rates to help you grow your money over time.

Personal Loans & Debt Consolidation

Managing multiple debts can be challenging. That's why we offer personal loans and debt consolidation services that simplify your finances. By consolidating high-interest debts into one manageable payment, you can reduce stress and save money in the long run.

Digital & Online Banking

Accessibility and Ease of Use

Even without 24/7 online banking services, you can still enjoy the ease of managing your accounts during our lobby hours. Our friendly staff is here to assist you with any questions about accessing your accounts or navigating our services. We believe that everyone should have easy access to their financial information, so we aim to make every interaction simple and effective. At Ocean County Employees, we're always looking for ways to enhance our offerings and make banking a smoother experience for you. Stay tuned for updates on new features that will help you manage your money more effectively! Whether you're looking for personal banking solutions or need assistance with loans, our team is ready to support you every step of the way. Reach out at (732) 341-4004 if you have any questions or need assistance!

Key Services Offered

Visit us at to explore how you can take advantage of our banking options. Although we don't have mobile payments or person-to-person transfers available right now, we're dedicated to improving your banking experience in the future. Our online banking services are designed with security in mind. You can feel confident knowing that your personal information is protected as you access your account information or conduct transactions. While we currently do not provide electronic signature authorization, we ensure all interactions are straightforward and user-friendly.

Financial Strength

At Ocean County Employees, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. You can trust that we are committed to maintaining a strong foundation for your financial well-being. With a net worth of $252,036, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,686 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. We prioritize your savings by securing them through various offerings. While we currently do not have share certificates or money market shares available, our focus remains on creating stable and rewarding financial growth opportunities for you in the future. Unlike traditional banks, we put our members first. With non-member deposits at $0, our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to growth is reflected in our $188,965 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Although there are currently no used auto loans available, our total loans and leases amount to $396,042, supporting your financial goals across various sectors. While our net income stands at $0, reflecting ongoing operational efficiency, it enables us to continue offering competitive loan rates and solid financial products tailored for you. We also take pride in having 0 full-time employees and 1 part-time employees ready to serve you with knowledge and dedication at every turn. The total number of share accounts is currently 370, showcasing a growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ocean County Employees is your trusted partner. Visit us at 118 Washington St Toms River Nj 08753 or call (732) 341-4004 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. While we currently have no total auto loans issued yet, our commitment remains strong as we look forward to supporting our members' vehicle financing needs. Once available, you can expect competitive rates and flexible terms to help you get on the road.

Credit Lines

For those who need extra flexibility in their budgeting, we offer credit lines totaling $25,500. This option provides a safety net for unexpected expenses while allowing you to maintain control over your finances. At Ocean County Employees, we strive to provide quality services that fit your needs. If you're interested in learning more about our loan offerings or discussing eligibility options and refinancing opportunities when they arise, please don't hesitate to reach out at 732-341-4004 during our lobby hours from Monday through Thursday, 7:30 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you navigate your financial journey with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. Although we do not currently have any Junior Lien 1-4 Family Residential Property loans available, rest assured that when the opportunity arises, we'll be here to assist you with straightforward terms and guidance throughout the process.

Unsecured Credit Card Loans

Managing finances effectively is essential for everyone. We also offer flexible terms on unsecured credit card loans. Currently, there are no unsecured credit card loans issued; however, when these products become available, they will provide our members with an additional resource to help manage spending and build credit responsibly.

Loan Aggregator

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