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 Elizabeth NJ Firemens 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 17, 2026
Elizabeth NJ Firemens Federal Credit Union's Personal Loan Rates are at 12.75%. MonitorBankRates evaluates the financial stability of Elizabeth NJ Firemens Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.22%. Rates were last updated on 04/17/2026. Elizabeth NJ Firemens 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 Elizabeth NJ Firemens Federal Credit Union? Share your experience about Elizabeth NJ Firemens Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Elizabeth NJ Firemens Federal Credit Union. Elizabeth NJ Firemens Federal Credit Union
Attic 411 Irvington Ave
https://enjffcu.org/ Elizabeth, NJ 07208 2044 
Elizabeth NJ Firemens Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Elizabeth NJ Firemens 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 Elizabeth NJ Firemens 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 Elizabeth NJ Firemens Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Elizabeth NJ Firemens Federal Credit Union
Website
https://enjffcu.org/
Address
411 Irvington Ave,
Elizabeth, NJ 07208 2044
Phone
908-351-7770
Fax
908-351-5751
President
Thomas McNamara
CEO
Fanny Calas
Full-Time Employees
1
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.22%
Return on Assets (ROA)
0.3231%
Return on Equity (ROE)
2.9492%
Non-Performing Loans Ratio (NPL)
1.10%
Total Assets
7,317,679
Total Amount of Shares and Deposits
6,222,748
Total Shares and Deposits < 1 Year
6,186,542
Total Shares and Deposits 1 3 Years
19,763
Total Shares and Deposits > 3 Years
16,443
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
106,355
Total Uninsured Shares and Deposits > $250K (F+J)
106,355
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,116,393
Total Interest Expense (Sum of items 6 8)
2,224
Share Certificates
21
Number of Accounts for Share Drafts
401
IRA KEOGH Accounts
18
Number of Accounts for Regular Shares
1,516
Net Income (unless the amount is already included in Undivided Earnings)
23,641
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
152,025
Total Liabilities
6,516,083
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Elizabeth NJ Firemens Federal Credit UnionIs Elizabeth NJ Firemens Federal Credit Union a safe place to deposit money?Yes, Elizabeth NJ Firemens Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.2230699753991%, 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 Elizabeth NJ Firemens Federal Credit Union operate?Elizabeth NJ Firemens 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 Elizabeth NJ Firemens Federal Credit Union?Yes, to access services at Elizabeth NJ Firemens 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, Elizabeth NJ Firemens 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, Elizabeth NJ Firemens Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Elizabeth NJ Firemens Federal Credit Union offer online and mobile banking?Most modern institutions like Elizabeth NJ Firemens 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://enjffcu.org/. Compare to Other Credit Unions
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