What are the current interest rates at Division 819 Transit Employees Credit Union?

Current rates for Division 819 Transit Employees Credit Union include: Savings: 0.50%

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Division 819 Transit Employees Credit Union

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Division 819 Transit Employees Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Division 819 Transit Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Division 819 Transit Employees Credit Union's savings rates are at 0.50%. Division 819 Transit Employees Credit Union's Personal Loan Rates are as low as 6.50%. MonitorBankRates evaluates the financial stability of Division 819 Transit Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.73%. Rates last updated and verified on 09/22/2026.

Division 819 Transit Employees 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 Division 819 Transit Employees Credit Union? Share your experience about Division 819 Transit Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Division 819 Transit Employees Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.73%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Division 819 Transit Employees Credit Union
Division 819 Transit Employees CU

186 Brookside Ave
Irvington, NJ 07111

https://www.div819cu.com

Division 819 Transit Employees Credit Union Savings Rates

Product	Rate	APY
Savings	2.00%	2.00%
Min Balance $10,000 Details Balance: $10,000.00 and over. Dividends are paid quarterly on the 1st of January, April, July, and October. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Savings	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000.00 to $9,999.00. Dividends are paid quarterly on the 1st of January, April, July, and October. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Savings	0.50%	0.50%
Min Balance $100 Details Balance: $100.00 to $4,999.00. Dividends are paid quarterly on the 1st of January, April, July, and October. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Division 819 Transit Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars / M.C. Loan	5.50%	-	5.50%	5 years (60 months)
Details FICO SCORE 700 AND ABOVE. LOAN LIMIT IS 100% OF LIST PRICE INCLUDING SALES TAX, PLATES, ECT. NOT TO EXCEED $40,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
New Cars / M.C. Loan	6.00%	-	6.00%	5 years (60 months)
Details FICO SCORE 600-699. LOAN LIMIT IS 100% OF LIST PRICE INCLUDING SALES TAX, PLATES, ECT. NOT TO EXCEED $40,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
New Cars / M.C. Loan	6.50%	-	6.50%	5 years (60 months)
Details FICO SCORE 500-599. LOAN LIMIT IS 100% OF LIST PRICE INCLUDING SALES TAX, PLATES, ECT. NOT TO EXCEED $40,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Used Autos	6.50%	-	6.50%	5 years (60 months)
Details FICO SCORE 700 AND ABOVE. LOAN LIMIT IS 100% OF N.A.D.A BOOK VALUE, INCLUDING SALES TAX, PLATES, ETC NOT TO EXCEED $40,000.00 AND AUTO MUST NOT BE MORE THAN 5 YEARS OLD Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Used Autos	7.00%	-	7.00%	5 years (60 months)
Details FICO SCORE 600-699. LOAN LIMIT IS 100% OF N.A.D.A BOOK VALUE, INCLUDING SALES TAX, PLATES, ETC NOT TO EXCEED $40,000.00 AND AUTO MUST NOT BE MORE THAN 5 YEARS OLD Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Used Autos	7.50%	-	7.50%	5 years (60 months)
Details FICO SCORE 500-599. LOAN LIMIT IS 100% OF N.A.D.A BOOK VALUE, INCLUDING SALES TAX, PLATES, ETC NOT TO EXCEED $40,000.00 AND AUTO MUST NOT BE MORE THAN 5 YEARS OLD Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
New Cars / M.C. Loan	8.50%	-	8.50%	5 years (60 months)
Details NO SCORE, Dependent on debt- toincome ratio. LOAN LIMIT IS 100% OF LIST PRICE INCLUDING SALES TAX, PLATES, ECT. NOT TO EXCEED $40,000.00; APR range: 8.5%, 9%, OR 9.5%; RATE range: 8.5%, 9%, OR 9.5% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Used Autos	9.50%	-	9.50%	5 years (60 months)
Details NO SCORE, Dependent on debt- to income ratio. LOAN LIMIT IS 100% OF N.A.D.A BOOK VALUE, INCLUDING SALES TAX, PLATES, ETC NOT TO EXCEED $40,000.00 AND AUTO MUST NOT BE MORE THAN 5 YEARS OLD; APR range: 9.5%, 10%, OR 10.5%; RATE range: 9.5%, 10%, OR 10.5% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Division 819 Transit Employees Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Student loans	-	-	7.50%	1-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%
Student Loans	7.50%	-	7.50%
Details Maximum Student Loan amount is $5000.00. Tuition statement from school required at time of application with address of school and student id number. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Division 819 Transit Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	6.50%
Details Additional APR listed for this product: 7.50%, 12.50%, 14.50%, 17.50%. Based on individual applications Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Division 819 Transit Employees Credit Union’s Texas Ratio rose from 2.20% in Q2 2023 to 2.73% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$16M	2.73%	5.0	A+
December 31, 2025	$15M	3.90%	5.0	A+
September 30, 2025	$15M	6.06%	5.0	A
June 30, 2025	$15M	5.60%	5.0	A+
March 31, 2025	$15M	5.43%	5.0	A+
December 31, 2024	$15M	6.20%	5.0	A
September 30, 2024	$15M	5.96%	5.0	A+
June 30, 2024	$15M	7.19%	5.0	A
March 31, 2024	$15M	4.44%	5.0	A+
December 31, 2023	$15M	3.30%	5.0	A+
September 30, 2023	$16M	3.55%	5.0	A+
June 30, 2023	$17M	2.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Division 819 Transit Employees 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 Division 819 Transit Employees 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 Division 819 Transit Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Division 819 Transit Employees Credit Union

Website https://www.div819cu.com

Address 186 Brookside Ave, Irvington, NJ 07111

Phone 973-373-2332

Fax 973-374-8558

President Orlando Riley

CEO Shirley King

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.73%

Return on Assets (ROA)

0.2215%

Return on Equity (ROE)

1.2195%

Non-Performing Loans Ratio (NPL)

1.39%

Total Assets

15,943,831

Total Amount of Shares and Deposits

12,998,494

Total Shares and Deposits < 1 Year

12,998,493

Total Insured Shares and Deposits > $250K (item 17 less item K)

12,998,494

Total Interest Expense (Sum of items 6 8)

53,313

Number of Accounts for Regular Shares

1,502

All other shares

238

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,259,696

Total Liabilities

13,065,869

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Division 819 Transit Employees Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Division 819 Transit Employees Credit Union

How many branches does Division 819 Transit Employees Credit Union operate?

Division 819 Transit Employees 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 Division 819 Transit Employees Credit Union?

Yes, to access services at Division 819 Transit Employees 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, Division 819 Transit Employees 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, Division 819 Transit Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Division 819 Transit Employees Credit Union offer online and mobile banking?

Most modern institutions like Division 819 Transit Employees 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.div819cu.com.