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Advertiser Disclosure
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SOUTHERN MIDDLESEX CO TCHRS Rates & Review September 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: September 22, 2026
SOUTHERN MIDDLESEX CO TCHRS's 18 month CD rates are at 4.25%, 2 year CD rates are at 4.25%, 1 year CD rates are at 4.15%, 3 year CD rates are at 4.15%, 4 year CD rates are at 4.15%. SOUTHERN MIDDLESEX CO TCHRS's money market rates are at 2.25%. SOUTHERN MIDDLESEX CO TCHRS's Personal Loan Rates are as low as 9.95%. MonitorBankRates evaluates the financial stability of SOUTHERN MIDDLESEX CO TCHRS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/22/2026. SOUTHERN MIDDLESEX CO TCHRS 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 SOUTHERN MIDDLESEX CO TCHRS? Share your experience about SOUTHERN MIDDLESEX CO TCHRS by leaving a review below, or read customer reviews before you decide to use SOUTHERN MIDDLESEX CO TCHRS. SOUTHERN MIDDLESEX CO TCHRS
Southern Middlesex County Teachers FCU 39 Brunswick Woods Dr
http://www.myfavoritecu.com East Brunswick, NJ 08816-5601 
SOUTHERN MIDDLESEX CO TCHRS CD Rates
SOUTHERN MIDDLESEX CO TCHRS Savings Rates
SOUTHERN MIDDLESEX CO TCHRS Money Market Rates
SOUTHERN MIDDLESEX CO TCHRS Home Equity & HELOC
SOUTHERN MIDDLESEX CO TCHRS Auto Loan Rates
SOUTHERN MIDDLESEX CO TCHRS Personal Loan Rates
SOUTHERN MIDDLESEX CO TCHRS Other Rates
Financial Health HistorySOUTHERN MIDDLESEX CO TCHRS’s Texas Ratio stayed near 0.00% in Q2 2023 to 0.00% 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)
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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 SOUTHERN MIDDLESEX CO TCHRS 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 SOUTHERN MIDDLESEX CO TCHRS 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 SOUTHERN MIDDLESEX CO TCHRS's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SOUTHERN MIDDLESEX CO TCHRS
Website
http://www.myfavoritecu.com
Address
39 Brunswick Woods Dr,
East Brunswick, NJ 08816-5601
Phone
732-238-8662
Fax
732-238-8628
President
LINDA FEKETE
CEO
LYNNE FRITZ
Full-Time Employees
4
Part-Time Employees
1
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+ (100/100)
Texas Ratio
0.00%
Return on Assets (ROA)
0.2909%
Return on Equity (ROE)
2.7395%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
47,577,540
Total Amount of Shares and Deposits
42,552,515
Total Shares and Deposits < 1 Year
40,726,149
Total Shares and Deposits 1 3 Years
1,653,635
Total Shares and Deposits > 3 Years
172,731
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,549,377
Total Uninsured Shares and Deposits > $250K (F+J)
1,549,377
Total Insured Shares and Deposits > $250K (item 17 less item K)
41,003,138
Total Interest Expense (Sum of items 6 8)
160,672
Share Certificates
410
Number of Accounts for Share Drafts
891
Number of Accounts for Regular Shares
2,920
All other shares
1,221
Money Market Shares
214
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)
3,166,421
Total Liabilities
42,590,017
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About SOUTHERN MIDDLESEX CO TCHRSHow many branches does SOUTHERN MIDDLESEX CO TCHRS operate?SOUTHERN MIDDLESEX CO TCHRS 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 SOUTHERN MIDDLESEX CO TCHRS?Yes, to access services at SOUTHERN MIDDLESEX CO TCHRS, 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, SOUTHERN MIDDLESEX CO TCHRS 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, SOUTHERN MIDDLESEX CO TCHRS provides members with tools to manage their accounts and build a solid financial history. Does SOUTHERN MIDDLESEX CO TCHRS offer online and mobile banking?Most modern institutions like SOUTHERN MIDDLESEX CO TCHRS 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: http://www.myfavoritecu.com. Current SOUTHERN MIDDLESEX CO TCHRS Rates
Retrieved from our database of financial products. Rates subject to change.
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