|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Mercer County Nj Teachers Federal Credit Union Rates & Review November 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.
Read Full Bio →
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 and Verified: October 28, 2026
Mercer County Nj Teachers Federal Credit Union's Term Savings CDs - 3 month rates are at 3.96%, Term Savings CDs - 6 month rates are at 3.70%, Term Savings CDs - 12 month rates are at 3.49%, Term Savings CDs - 18 month rates are at 3.19%, Term Savings CDs - 24 month rates are at 2.93%. Mercer County Nj Teachers Federal Credit Union's Auto Loan Rates are as low as 5.09%. Mercer County Nj Teachers Federal Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Mercer County Nj Teachers Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.33%. Rates last updated and verified on 10/28/2026. Mercer County Nj Teachers 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 Mercer County Nj Teachers Federal Credit Union? Share your experience about Mercer County Nj Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mercer County Nj Teachers Federal Credit Union. Mercer County Nj Teachers Federal Credit Union
Mercer County NJ Teachers' FCU 2271 Highway 33 Ste 108
https://www.mcnjtfcu.org Hamilton Square, NJ 08690  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Mercer County Nj Teachers Federal Credit Union CD Rates
Mercer County Nj Teachers Federal Credit Union Auto Loan Rates
Financial Health HistoryMercer County Nj Teachers Federal Credit Union’s Texas Ratio rose from 4.25% in Q3 2023 to 8.33% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mercer County Nj Teachers 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 Mercer County Nj Teachers 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 Mercer County Nj Teachers Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mercer County Nj Teachers Federal Credit Union
Website
https://www.mcnjtfcu.org
Address
2271 Highway 33 Ste 108,
Hamilton Square, NJ 08690
Phone
609-586-6669
Fax
609-586-1142
President
George Smith
CEO
Adam Romero
Full-Time Employees
5
Part-Time Employees
1
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
8.33%
Return on Assets (ROA)
0.9872%
Return on Equity (ROE)
6.9491%
Non-Performing Loans Ratio (NPL)
2.62%
Total Assets
52,171,028
Total Amount of Shares and Deposits
44,765,172
Total Shares and Deposits < 1 Year
44,505,035
Total Shares and Deposits 1 3 Years
260,136
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
843,448
Total Uninsured Shares and Deposits > $250K (F+J)
843,448
Total Insured Shares and Deposits > $250K (item 17 less item K)
43,921,724
Total Interest Expense (Sum of items 6 8)
278,846
Share Certificates
402
Number of Accounts for Share Drafts
1,334
Number of Accounts for Regular Shares
4,233
Money Market Shares
284
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)
7,797,707
Total Liabilities
45,016,340
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Mercer County Nj Teachers Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Mercer County Nj Teachers Federal Credit Union
Frequently Asked Questions About Mercer County Nj Teachers Federal Credit UnionDoes Mercer County Nj Teachers Federal Credit Union offer CDs?Yes. Mercer County Nj Teachers Federal Credit Union current CD rates include its Term Savings CDs - 3 month at 3.96% APY, its Term Savings CDs - 6 month at 3.70% APY and its Term Savings CDs - 12 month at 3.49% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Mercer County Nj Teachers Federal Credit Union NCUA insured?Yes. Mercer County Nj Teachers Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Mercer County Nj Teachers Federal Credit Union?The highest Mercer County Nj Teachers Federal Credit Union CD rate is its Term Savings CDs - 3 month at 3.96% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Mercer County Nj Teachers Federal Credit Union offer?Mercer County Nj Teachers Federal Credit Union CD rates are 3.96% APY for a 3 month CD, 3.70% APY for a 6 month CD, 3.49% APY for a 12 month CD, 3.19% APY for an 18 month CD and 2.93% APY for a 2 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Mercer County Nj Teachers Federal Credit Union for its full lineup. What is the lowest auto loan rate at Mercer County Nj Teachers Federal Credit Union?The lowest Mercer County Nj Teachers Federal Credit Union auto loan rate is its Automobile - New Car at 5.09% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Mercer County Nj Teachers Federal Credit Union operate?Mercer County Nj Teachers 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 Mercer County Nj Teachers Federal Credit Union?Yes, to access services at Mercer County Nj Teachers 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, Mercer County Nj Teachers 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, Mercer County Nj Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mercer County Nj Teachers Federal Credit Union offer online and mobile banking?Most modern institutions like Mercer County Nj Teachers 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.mcnjtfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Mercer County Nj Teachers Federal Credit Union rates compare?Mercer County Nj Teachers Federal Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A health rating. Mercer County Nj Teachers Federal Credit Union's top rates are its Term Savings CDs - 3 month at 3.96% APY and its Automobile - New Car at 5.09% APR, verified by MonitorBankRates on October 28, 2026. Current Mercer County Nj Teachers Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Omaha Police Federal Credit Union
CASE Credit Union
Construction Federal Credit Union
Pampa Teachers Federal Credit Union
Ascension Credit Union
Family First Of NY Federal Credit Union
Frio County Federal Credit Union
Polam FCU Los Angeles, CA Credit Union
Brazos Valley Schools Credit Union
Teaneck Federal Credit Union
Ingersoll Rand Federal Credit Union
Enfield Community Federal Credit Union
Public Safety Credit Union
Spencerport Federal Credit Union
Elevate Federal Credit Union
Local 804 Credit Union
Sun Credit Union
Outreach Federal Credit Union
Latino Community Credit Union
Michigan One Community Credit Union
Peoria Fire Fighters Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
