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 Mercer County Nj Teachers 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 11, 2026
Mercer County Nj Teachers Federal Credit Union's 3 month Term Savings CDs rates are at 3.65%, 6 month Term Savings CDs rates are at 3.39%, 12 month Term Savings CDs rates are at 3.19%, 18 month Term Savings CDs rates are at 2.88%, 24 month Term Savings CDs rates are at 2.63%. Mercer County Nj Teachers Federal Credit Union's Personal Loan Rates are at 4.49%. 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 6.83%. Rates were last updated on 04/11/2026. 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 
Mercer County Nj Teachers Federal Credit Union CD Rates
Mercer County Nj Teachers Federal Credit Union Auto Loan Rates
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
0
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 (97/100)
Texas Ratio
6.83%
Return on Assets (ROA)
1.6379%
Return on Equity (ROE)
11.7301%
Non-Performing Loans Ratio (NPL)
1.94%
Total Assets
47,467,248
Total Amount of Shares and Deposits
41,111,540
Total Shares and Deposits < 1 Year
40,851,524
Total Shares and Deposits 1 3 Years
260,017
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
941,293
Total Uninsured Shares and Deposits > $250K (F+J)
941,293
Total Insured Shares and Deposits > $250K (item 17 less item K)
40,170,247
Total Interest Expense (Sum of items 6 8)
362,112
Share Certificates
331
Number of Accounts for Share Drafts
1,320
Number of Accounts for Regular Shares
4,279
Money Market Shares
220
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,076,874
Total Liabilities
41,331,543
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mercer County Nj Teachers Federal Credit UnionIs Mercer County Nj Teachers Federal Credit Union a safe place to deposit money?Yes, Mercer County Nj Teachers Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.8304124554385%, 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 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. Current Mercer County Nj Teachers Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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