Mid-state Federal Credit Union

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A short history of Mid-state FCU

Since its inception in 1950 the Mid-state Federal Credit Union has been serving its members in the CARTERET, 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 Tracy Sussmann, the Mid-state FCU has grown its membership to over 1,428 with assets of more than $17,080,358. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (732) 541-4151 or email them at info@midstatefcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in CARTERET, NJ.

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

Charter Number 6739
Address 237 ROOSEVELT AVE 
State New Jersey 
Zip-Code 07008
Phone Number (732) 541-4151
Fax Number (732) 541-4449
Email Address: info@midstatefcu.org
CEO/President Tracy Sussmann
Members 1,428 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 17,080,358 
Website http://www.midstatefcu.org 

Compare Mid-state Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Terminals CU TFCU 90 TENNYSON ST 07008 (732) 541-1373 No 0.42
Merck Employees CU RAHWAY 126 E LINCOLN AVE 07065 (732) 594-3317 No 2.83
Central Jersey CU WOODBRIDGE 380 BERRY ST 07095 (732) 634-0600 No 2.90
United Investors CU United Investors FCU 16 W Elizabeth Ave 07036 (908) 862-5566 No 3.54
Motion CU Wood Av 360 N Wood Ave 07036 (908) 862-6966 No 3.68

Mid-state Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Mid-state 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 9.90 3.49 5.99 4.50 6.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 208 442 205 368
Rank Among All New Jersey Credit Unions 20 29 55 33 50

Mid-state Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.30 0.85 0.85
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 129 97 198 179
Rank Among All New Jersey Credit Unions N/A 31 10 27 18
Mid-state Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9002721,031,426
All Other Unsecured Loans/Lines of Credit 14.50079230,555
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.49015239,589
Used Vehicle Loans 5.99018177,086
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.500181,795,574
Total Other Real Estate Loans/Lines of Credit 6.2504200,827
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.5005395,912,041
TOTAL LOANS & LEASES 9459,587,098

Mid-state Federal Credit Union Real Estate Loans and Lines of Credit


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 5689,49300
    b. 15 Years or less 11652,87000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 2453,21100
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 2184,07700
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 216,75000
Open-End Fixed Rate 0000
TOTALS 221,996,40100


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

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