Southern Middlesex Co Tchrs Federal Credit Union

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A short history of Southern Middlesex Co Tchrs FCU

Since its inception in 1939 the Southern Middlesex Co Tchrs Federal Credit Union has been serving its members in the East Brunswick, 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 LYNNE FRITZ, the Southern Middlesex Co Tchrs FCU has grown its membership to over 3,397 with assets of more than $36,687,337. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (732) 238-8662 or email them at smctfcu@verizon.net to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in East Brunswick, NJ.

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

Charter Number 3126
Address 39 Brunswick Woods Dr 
City East Brunswick 
State New Jersey 
Zip-Code 08816
Phone Number (732) 238-8662
Fax Number (732) 238-8628
Email Address: smctfcu@verizon.net
CEO/President LYNNE FRITZ
Members 3,397 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 36,687,337 
Website http://smctfcu.virtualcu.net 

Compare Southern Middlesex Co Tchrs Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
B-m S CU New Brunswick 1 Squibb Dr 08901 (732) 227-6701 No 2.65
N. J. Latvian CU NJ Latvian FCU 1017 State Route 33 07728 (732) 336-0033 No 2.94
Middlesex County N J Emp CU MCEFCU Middlesex County EFCU 08901 (732) 745-3867 No 3.89
Rutgers CU Branch 02-Newark 249 University Ave 07102 (973) 353-1353 No 4.82
Parlin Dupont Employees CU Main Office 389 Washington Rd 08872 (732) 254-7573 No 4.84

Southern Middlesex Co Tchrs Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Southern Middlesex Co Tchrs 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 N/A 2.90 4.00 4.21 3.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 133 203 170 74
Rank Among All New Jersey Credit Unions N/A 17 30 23 7

Southern Middlesex Co Tchrs 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 0.20 0.81 N/A
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 129 114 204 N/A
Rank Among All New Jersey Credit Unions N/A 31 13 28 N/A
Southern Middlesex Co Tchrs Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 9.9502761,529,130
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.90057735,625
Used Vehicle Loans 4.00088769,111
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.210233,760,349
Total Other Real Estate Loans/Lines of Credit 3.7501193,096,505
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.100434,019
TOTAL LOANS & LEASES 5679,924,739

Southern Middlesex Co Tchrs 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 183,359,8982344,000
    b. 15 Years or less 5400,45100
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 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 521,317,8319485,200
Closed-End Adjustable Rate 19474,43200
Open-End Adjustable Rate 481,304,2426400,000
Open-End Fixed Rate 0000
TOTALS 1426,856,854171,229,200

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

Southern Middlesex Co Tchrs 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 No
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes