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Membership and Online Account Opening

At South Jersey Federal Credit Union, we're always trying to make the most of our members' time. That's why we offer a variety of online capabilities that accomplish just that — including online account opening.  

Simply select the account you'd wish to open below, then follow the simple process to completion.

For step-by-step instructions on opening an account online click here.

*You must be a member of South Jersey Federal Credit Union to open a Free Checking account. Those who are eligible can establish membership by opening a Regular Savings account. See OPD Disclosure.

Become a Member

You must be a member of the South Jersey Federal Credit Union in order to open an account. Learn about the benefits of credit union membership and how you can become a member of the South Jersey Federal Credit Union.

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Benefits of Membership

A growing number of media outlets have recently put credit unions front-and-center. Stories highlighting the benefits of credit unions have appeared on networks and programs including CNBC, MSNBC, CNN, the CBS Early Show, the Suze Orman Show, and The Huffington Post.

The stories all encourage consumers to move their business away from big banks in favor of local institutions and credit unions to get great deals from people they can trust. At the center of the reason why are all of the inherent benefits that come with credit union membership, like:

As a not-for-profit institution, members benefit through:

  • Lower fees
  • Great rates on auto and home equity loans
  • Better rates on credit cards
  • Personalized service
  • Additional educational resources and banking services 
  • Discounts beyond the branch
  • Additional deposit coverage - deposits secured up to $500,000, backed by NCUSIF and additional private insurance, Excess Share Insurance (ESI) Corporation
  • And much more!

Protected, Professional, Proactive

Your deposits here at South Jersey Federal Credit Union are now insured up to $500,000. This exceptional level of coverage is attained through a combination of:

  • Federal insurance provided by the National Credit Union Share Insurance Fund (NCUSIF) and
  • Private insurance made available to SJFCU members by the Excess Share Insurance (ESI) Corporation.

Paths to Membership

Anyone can become a member of South Jersey Federal Credit Union. There are several paths to membership:

  1. Relationship to current SJFCU member - Members' spouse, children, grandchildren, parents, grandparents, and siblings - in addition to other, nonrelative household members, may join SJFCU.
  2. Employer groups – All employees of SJFCU’s Employer Groups, as well as Employer Group annuitants/pensioners, their immediate families, and members of their household, are eligible for membership.
  3. Community eligibility - Anyone who lives, works, worships, goes to school or regularly conducts business in the following communities qualifies for membership:
    • The City of Alloway
    • The City of Atlantic City
    • The City of Bridgeton
    • The City of Camden
    • The City of Commercial
    • The City of Fairfield
    • The City of Fairton
    • The City of Glassboro
    • The City of Mannington
    • The City of Millville
    • The City of Pleasantville
    • The City of Salem
    • The City of Vineland
    • The City of Quinton
  4. NJCU Foundation donation – For all other prospective members, a partnership with the New Jersey Credit Union Foundation allows SJFCU to make a donation to the Foundation on your behalf. The donation costs you nothing, but it qualifies you for membership at SJFCU.

Once your accounts are opened, you and your family may remain active members for life, no matter where you later live or work. And as a credit union member, unlike at banks, that means that you have to say in everything we do as an institution. Even if you leave the employer that qualified you for membership, you'll be entitled to the same membership benefits as other members

Search for Eligible Employer Groups here

How To Join

Eligible and ready to join? Complete the online application above and pay a one-time membership enrollment fee of $10, plus your opening  Regular Savings deposit of at least $25.

Once your application for membership is approved, you will be eligible to take advantage of additional benefits of membership!

How Does Your Employer Join?

Not seeing your employer on our list of eligible employer groups? We keep it simple for your organization to become a member of the South Jersey Federal Credit Union... AT NO COST!

An authorized representative of your company or association need only submit a letter on company letterhead requesting membership.

The letter should include:

  • Date
  • Number of Employees
  • Number of Locations
  • Employee Type/Descriptions (i.e. clerical, production, professional, etc.)
  • Statement of organization and employee's official request to for credit union membership
  • Proximity of business to the credit union's nearest branch
  • Signature, name and title of authorized representative
  • (If the organization is an association) A copy of the charter and/or bylaws

View sample letter of request

Letters may be mailed or e-mailed to:

South Jersey Federal Credit Union
Attn: Sales Team
P.O. Box 5530
Deptford, NJ 08096

Email:   [email protected]

Once we receive your company's request for membership, it will be reviewed and approved by our Board of Directors and the NCUA. The Board meets once a month, so once approved employees can begin enjoying the benefits of membership right away.

Your employer understands that any organization is only as sound as its employees - and in these challenging economic times, employees deserve every advantage. Offering employees the benefit of credit union membership will not only enhance your company's benefits package - at no cost - but will offer employees the opportunity for real savings.

Questions?

Call the South Jersey Federal Credit Union Sales Team at:  (800) 582-7640 . Or send us an e-mail at  [email protected] .

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