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 County Educators Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 5, 2026
County Educators Federal Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of County Educators Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.64%. Rates were last updated on 04/05/2026. County Educators Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at County Educators Federal Credit Union? Share your experience about County Educators Federal Credit Union by leaving a review below, or read customer reviews before you decide to use County Educators Federal Credit Union. County Educators Federal Credit Union
County Excellence FCU Br1 16 E Lincoln Ave
https://www.countyedfcu.org Roselle Park, NJ 07204 1743 
County Educators Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for County Educators Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather County Educators Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with County Educators Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
County Educators Federal Credit Union
Website
https://www.countyedfcu.org
Address
16 E Lincoln Ave,
Roselle Park, NJ 07204 1743
Phone
908-245-0173
Fax
908-245-5953
President
Frank Malta
CEO
Judite Pinho
Full-Time Employees
21
Part-Time Employees
0
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.64%
Return on Assets (ROA)
0.4091%
Return on Equity (ROE)
4.5979%
Non-Performing Loans Ratio (NPL)
1.26%
Total Assets
123,639,979
Total Amount of Shares and Deposits
113,064,489
Total Shares and Deposits < 1 Year
112,522,747
Total Shares and Deposits 1 3 Years
541,742
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,967,354
Total Uninsured Shares and Deposits > $250K (F+J)
4,967,354
Total Insured Shares and Deposits > $250K (item 17 less item K)
108,097,135
Total Interest Expense (Sum of items 6 8)
933,019
Share Certificates
595
Number of Accounts for Share Drafts
3,706
IRA KEOGH Accounts
125
Number of Accounts for Regular Shares
10,774
Money Market Shares
366
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,767,844
Total Liabilities
112,981,768
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About County Educators Federal Credit UnionIs County Educators Federal Credit Union a safe place to deposit money?Yes, County Educators Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.6371339503607%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does County Educators Federal Credit Union operate?County Educators Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join County Educators Federal Credit Union?Yes, to access services at County Educators Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, County Educators Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, County Educators Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does County Educators Federal Credit Union offer online and mobile banking?Most modern institutions like County Educators Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.countyedfcu.org. Compare to Other Credit Unions
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