Irco Community Federal Credit Union

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A short history of Irco Community FCU

Since its inception in 1966 the Irco Community Federal Credit Union has been serving its members in the Phillipsburg, New Jersey area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Jacalyn Frey, the Irco Community FCU has grown its membership to over 8,666 with assets of more than $75,681,791. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (908) 859-1811 or email them at notices@ircocu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Phillipsburg, NJ.

General Information For Irco Community FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 17395
Address 450 Hillcrest Blvd 
City Phillipsburg 
State New Jersey 
Zip-Code 08865
Phone Number (908) 859-1811
Fax Number (908) 859-2118
Email Address: notices@ircocu.com
CEO/President Jacalyn Frey
Members 8,666 
Full-Time Employees 21 
Part-Time Employees
Number of Branch Offices
Total Assets 75,681,791 
Website http://www.ircocu.com 

Compare Irco Community Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Baker CU Baker Federal Credit Union 269 Rt 31 S 07882 (908) 869-7007 No 2.00
Eme CU EME CREDIT UNION 123 S 3RD ST 18042 (610) 250-6782 No 4.04
Riegel CU Riegel Federal Credit Union 515 Milford Warren Glen Rd 08848 (908) 995-2326 No 6.88
Crayola Llc Employees Credit Union CU Crayola LLC Employees CU 1100 Church Ln 18044 (610) 252-1502 No 6.89
Heights Community CU www.htsfcu.org 3530 Freemansburg Ave 18020 (610) 868-8211 No 10.76

Irco Community Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Irco Community Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.90 1.75 2.25 4.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 332 19 36 138 100
Rank Among All New Jersey Credit Unions 30 1 4 15 12

Irco Community Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 N/A 0.40 0.05
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 N/A 284 291
Rank Among All New Jersey Credit Unions N/A 34 N/A 45 38
Irco Community Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.9001,1041,771,251
All Other Unsecured Loans/Lines of Credit 13.7409114,618,344
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.0801,0162,672,266
New Vehicle Loans 1.750981,818,427
Used Vehicle Loans 2.2504925,107,419
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00032916,562,353
Total Other Real Estate Loans/Lines of Credit 4.0001745,797,512
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.75057440,607
TOTAL LOANS & LEASES 4,18138,788,179

Irco Community Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 897,181,8206570,249
    b. 15 Years or less 1525,864,7167654,400
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 883,515,8174345,000

OTHER REAL ESTATE

Closed-End Fixed Rate 1003,266,07411457,950
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 742,531,43816888,500
Open-End Fixed Rate 0000
TOTALS 50322,359,865442,916,099

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Irco Community Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes