Southern Middlesex Co Tchrs CU East Brunswick NJ | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Southern Middlesex County Teachers FCU, your trusted partner in financial services since 1939. Located at 39 Brunswick Woods Dr, East Brunswick, NJ 08816, we are proud to serve our community with a commitment to helping you achieve your financial goals. With nearly 3,000 members and total assets exceeding $43 million, we have built a reputation for reliability and personalized service. At Southern Middlesex County Teachers FCU, we believe in making banking accessible and straightforward. Our dedicated team, led by CEO Lynne Fritz and Board President Linda Fekete, is here to assist you with a range of services including personal checking accounts, auto loans, mortgage options, and business banking solutions. We understand that your time is valuable; that's why our lobby hours are designed for your convenience Monday through Friday from 9:30 AM to 4:30 PM. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at 39 Brunswick Woods Dr, East Brunswick, NJ 08816-5601. Our financial stability is reflected in our robust figures: with total deposits of $3,454,534 and net worth standing at $4,306,028, you can trust that your money is in safe hands. We also offer over 496 loans and leases tailored to meet various needs. Join us today! Whether you're looking to open an account or simply want more information about our services, don't hesitate to reach out. Call us at 732-238-8662 or visit our website at myfavoritecu.com to explore all the ways we can support your financial journey. Your future starts here!

Branch History & Mission

At Southern Middlesex County Teachers Federal Credit Union, we pride ourselves on a rich history that dates back to 1939. Established in East Brunswick, NJ, our credit union was founded with a clear purpose: to serve the financial needs of local educators and their families. Over the decades, we have grown significantly, now boasting a total membership of nearly 3,000 individuals who trust us with their financial well-being. Located at 39 Brunswick Woods Dr, East Brunswick, NJ 08816, our branch has become a cornerstone of the community. We are easily accessible for members and provide a welcoming environment where everyone feels valued. While members can visit us at this address, official correspondence should be sent to 39 Brunswick Woods Dr, East Brunswick, NJ 08816-5601. Our mission is straightforward yet impactful: we strive to empower our members by providing exceptional financial services while fostering a spirit of community support. This commitment goes beyond traditional banking; we actively engage in outreach programs aimed at improving the lives of those around us. We believe that when our community thrives, we all benefit. With assets totaling over $43 million, Southern Middlesex County Teachers FCU continues to prioritize your financial growth. We offer various services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options tailored to meet diverse needs. Our dedication to innovation is evident through our online and mobile banking platforms, allowing members to manage their finances conveniently from anywhere. In addition to our core services, we understand the importance of accessibility. While we currently do not offer ATM or drive-thru services at this location, our staff is always ready to assist you during our operating hours Monday through Friday from 9:30 AM to 4:30 PM. We are proud not just of what we do but how we do it. Our team works diligently to ensure that every member receives personalized attention and support. As part of our ongoing commitment to inclusivity, we adhere to ADA compliance standards and strive to make banking easier for everyone. Join us today and become part of a credit union that values you as an individual and supports your financial journey! Visit us at our website for more information about membership eligibility and the benefits awaiting you at Southern Middlesex County Teachers Federal Credit Union. Together, let's build a brighter future for you and your community!

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces to ensure everyone can access our services comfortably.

Contact Us

If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 732-238-8662 for more information about our services or simply drop by the branch. We look forward to welcoming you soon!

Operating Hours

Our lobby hours are designed with your busy schedule in mind. We're open Monday through Friday from 9:30 AM to 4:30 PM, giving you plenty of time during the week to come in and chat with our friendly staff about your banking needs.

Services Offered

At Southern Middlesex County Teachers FCU, we offer a variety of services tailored for you. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we're here to help you achieve your financial goals. We also provide business banking options and robust online and mobile banking services for added convenience.

Member Eligibility

Becoming a member of Southern Middlesex Co Tchrs is like joining a family that truly cares about your financial well-being. If you live, work, or go to school in Middlesex County, you're already on the right path! Our community-oriented credit union welcomes anyone who shares our values of trust and support. We also have special eligibility for specific groups, including employees and retirees of educational institutions. For more detailed information on eligibility criteria, feel free to check out our website at https://myfavoritecu.com/membership/. Once you know you qualify, opening an account with us is simple and straightforward. You can reach us at (732) 238-8662 if you have any questions or need assistance along the way. We look forward to helping you take the next step in your financial journey right here at Southern Middlesex Co Tchrs, located at 39 Brunswick Woods Dr East Brunswick Nj 08816.

Business Banking & Commercial Services

Business Loan Options

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 $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running a restaurant that needs to accept payments quickly and securely. Our merchant services enable you to do just that, allowing you to focus on serving your customers while we handle the transactions. Whether you're a retail shop or an online service provider, our solutions help streamline operations and improve cash flow. Choosing Southern Middlesex Co Tchrs means choosing a partner invested in your success. Reach out to us at (732) 238-8662 or visit us online at Southern Middlesex County Teachers Fcu to explore how we can support your business journey!

Comprehensive List Of Services

Business Solutions

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, can help fuel your growth and streamline operations. Think of us as your partner in success, providing the tools needed for your business to thrive.

Credit Options

To reward your loyalty and spending habits, we offer credit cards with rewards that give back as you shop. Enjoy benefits that enhance your everyday purchases and help you save money in the long run.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we proudly offer online and mobile banking services. Manage your accounts anytime from anywhere with just a few clicks on our user-friendly platform. You can also enjoy easy access to ATM and cash withdrawal services whenever you need cash on hand. At Southern Middlesex Co Tchrs, located at 39 Brunswick Woods Dr East Brunswick Nj 08816, we strive to ensure that all our members feel valued and supported in their financial journeys. If you have questions or need assistance, don't hesitate to reach out at (732) 238-8662 during our lobby hours from Monday to Friday, 9:30 AM - 4:30 PM. Explore how we can serve you better by visiting us online at Southern Middlesex County Teachers Fcu or stop by our branch today!

Home Financing

For those dreaming of owning a home, our mortgage loans and refinancing options can guide you through the process smoothly. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our knowledgeable team is here to assist you every step of the way.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts that fit your lifestyle. Imagine easily managing your money with accounts that offer competitive interest rates and no monthly fees. We also understand that purchasing a vehicle is a significant milestone. That's why our auto loans and vehicle financing options come with flexible terms to help make car ownership more accessible for everyone.

Personal Loans

In life, unexpected expenses can arise. That's where our personal loans and debt consolidation services come into play. We aim to provide financial relief when you need it most, allowing you to consolidate debts into one manageable payment or cover those urgent costs without stress.

Digital & Online Banking

Key Features

Our online banking system is equipped with several features to enhance your experience. For those who prefer going paperless, we offer e-statements, making it easy to keep track of your financial activity without the clutter of physical documents. You can view and download your statements right from the comfort of your home. If you're looking to send money to friends or family quickly, our person-to-person transfer service allows you to do just that with ease. It's a simple way to handle shared expenses or gift money without any hassle. For members on the go, our mobile application provides all the functionality of online banking right in your pocket. Even if you're out running errands or traveling, managing your accounts has never been easier. Plus, while we currently don't support mobile payments, rest assured that all transactions through our app are secure and straightforward.

Security and Accessibility

At Southern Middlesex Co Tchrs, we prioritize your security. Our platform ensures that all transactions are protected with the latest encryption technology so you can bank with peace of mind. Additionally, we do not require electronic signature authorization for most transactions, simplifying the process even further. We believe that banking should be accessible for everyone. That's why our services are designed to be user-friendly and intuitive. Whether you're tech-savvy or just starting out with digital banking, you'll find everything you need at Southern Middlesex Co Tchrs straightforward and manageable. Experience the convenience of modern banking today! Visit us at https://myfavoritecu.com/ and take control of your financial future with confidence.

Financial Strength

Growing Member Base

We are proud of our community's trust evident from our 5,700 total share accounts showing a strong and growing member base that believes in what we stand for at Southern Middlesex Co Tchrs. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southern Middlesex Co Tchrs is your trusted partner. Visit us at 39 Brunswick Woods Dr East Brunswick Nj 08816 or call (732) 238-8662 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.

Investing Back into Our Members

With $4,306,028 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This means more resources for you when you need them most.

Operational Efficiency

Our operational efficiency is highlighted by our $0, which allows us to continue offering competitive loan rates and solid financial products tailored for our members. We also take pride in having 5 full-time employees ready to serve you with knowledge and dedication.

Secure Savings Options

Your savings are safe with us. Members' funds are secured through $10,008,595 in share certificates and $8,538,959 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members our resources focus on benefiting you through better loan rates and exclusive perks.

Strong Financial Health

With a net worth of $4,306,028, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $993 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

Our commitment to supporting your financial journey is evident in our lending capacity. We currently have $122 in used auto loans and $13,327,187 in total loans and leases available to help you achieve your goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $1,799,239 in used vehicle loans and $1,970,882 in new vehicle loans already helping members get on the road. We also offer refinancing options if you're looking to lower your monthly payments or reduce your interest rate.

Credit Lines and Unsecured Credit Cards

For those who need additional financial flexibility, we provide total credit lines of $1,500,000. We also offer flexible terms on unsecured credit card loans; however, currently, there are no outstanding unsecured credit card loans. This means you can take advantage of our services as soon as they're available. We encourage you to explore our eligibility requirements at our website and see how you can benefit from our 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. Whether you're looking to finance a vehicle or buy a home, our team is here to assist you every step of the way. Contact us today to learn more about how we can help you achieve your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $4,677,512, giving you the flexibility to purchase a new home or refinance your existing one.

Loan Aggregator

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