Who Are We?

South Jersey Federal Credit Union
is a not-for profit financial cooperative
owned and governed by more than 40,000 members.

Read our Mission Statement.

At South Jersey Federal Credit Union our members:

• Share a common bond of employment and/or community. They work for hospitals, schools, casinos, municipalities, federal and state government and many other businesses.
• Pool their savings and lend money to each other at low interest rates. At SJFCU, you're not just a customer, you're a part owner of your credit union.

When you join South Jersey Federal Credit Union, you open a "share" (savings) account and that is how you become part-owner of the credit union. You are literally “sharing” in the ownership of SJFCU. Since South Jersey Federal Credit Union is a not-for-profit organization, any money made above the cost of operations is returned to our members. This can be through

• dividends to members,
• offering of additional services, or
• low interest rates on loans.

South Jersey Federal Credit Union has been providing financial products and services to our members for more than 70 years. Read more about SJFCU’s history.

Credit unions aren't a new idea. Cooperative credit organizations began in Germany in the mid-1800's. Farmers pooled their money to buy supplies in large quantities at low prices. Excess earnings during good times were also pooled into a common account. Read more about the history of credit unions.

Credit unions have changed over the years to meet members' changing needs. Today there are more than 11,000 credit unions chartered in the United States. In contrast to constantly merging banking institutions, credit unions are personal and people-oriented. They still believe in the principle:

"Not For Profit, But For Service."

SJFCU Community Involvement

SJFCU Scholarships