What are the current interest rates at 1st Bergen Federal Credit Union?

Current rates for 1st Bergen Federal Credit Union include: 12-Month CD: 2.78%, 18-Month CD: 5.00%, 24-Month CD: 2.02%, 60-Month CD: 3.29%, Savings: 1.76%

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1st Bergen Federal Credit Union

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1st Bergen Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Bergen Federal 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: October 9, 2026

1st Bergen Federal Credit Union's top rates as of October 9, 2026 are 5.09% APY on its 5 Month Dream Builder CD, 1.76% APY on savings, and personal loans from 6.99% APR, according to rates verified by MonitorBankRates. Other 1st Bergen Federal Credit Union CD rates include 18 Month CD at 5.00%, 5 Year CD at 3.29%, and 3 Month CD at 3.03%. MonitorBankRates evaluates the financial stability of 1st Bergen Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.32%. Rates last updated and verified on 10/09/2026.

1st Bergen 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 1st Bergen Federal Credit Union? Share your experience about 1st Bergen Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Bergen Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.32%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

1st Bergen Federal Credit Union
Corporate

392 Main St
Hackensack, NJ 07601-5805

https://www.1stbergen.com

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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.

1st Bergen Federal Credit Union CD Rates

Product	Rate	APY	Term
5 Month Dream Builder Certificate	5.00%	5.09%	5 Month
Details 5,000 maximum Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.09% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
18 Month Share Certificate	5.00%	5.00%	18 Months
Details Special rate available for members 18 years or younger and participants in the Future Dream Club on or before 4/30/2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
5 Year Certificate	3.25%	3.29%	5 Year
Min Balance $250 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.29% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
3 Month Certificate	3.00%	3.03%	3 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
1 Year Certificate	2.75%	2.78%	1 Year
Min Balance $250 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
6 Month Certificate	2.75%	2.78%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
2 Year Certificate	2.00%	2.02%	2 Year
Min Balance $250 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
3 Year Certificate	1.75%	1.76%	3 Year
Min Balance $250 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

1st Bergen Federal Credit Union Savings Rates

Product	Rate	APY
Future Dream Club Savings	1.75%	1.76%
Details Special Savings Club for Long-Term Saving Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Teacher's Club Savings	1.25%	1.26%
Details Special account for education workers. No fee withdrawal period from June 15 to September 1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Holiday Club Savings	0.80%	0.80%
Details Automatically transfers to your share on November 15 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vacation Club Savings	0.80%	0.80%
Details Automatically transfers to your share on May 15 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Standard Club Savings	0.75%	0.75%
Details Up to two extra savings accounts to organize your money Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

1st Bergen Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car Loans	-	-	2.99%
Details Our Lowest Rates of the Year. Car Loans Rates as low as 2.99% APR* on new, used, and refinanced vehicles. Plus, Personal Loans up to $2,500 up to 24 months at 6.99% APR* for well qualified borrowers. Apply Today - Offer ends October 17, 2026! Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vehicle Loans	-	-	2.99%	Up to 36 months
Details As Low As; Model Year 2025-2027; Up to $65,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vehicle Loans	-	-	3.99%	Up to 60 months
Details As Low As; Model Year 2025-2027; Up to $65,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 3.99% ▼ 1.01 pts · high 5.00% / low 3.99% Sep 18, 20263.99%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vehicle Loans	-	-	4.49%	Up to 36 months
Details As Low As; Model Year 2022-2024; Up to $40,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vehicle Loans	-	-	4.99%	Up to 60 months
Details As Low As; Model Year 2022-2024; Up to $40,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 4.99% ▼ 0.01 pts · high 5.00% / low 4.99% Sep 18, 20264.99%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vehicle Loans	-	-	5.00%	60 months
Details Available terms may vary by vehicle and creditworthiness. A representative $25,000 loan at 5.00% APR for 60 months has a monthly payment of $471.78. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 5.00% / low 4.99% Oct 9, 20265.00%▲ from 4.99% Sep 18, 20264.99%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vehicle Loans	-	-	5.49%	Up to 84 months
Details As Low As; Model Year 2025-2027; Up to $65,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vehicle Loans	-	-	5.99%	Up to 84 months
Details As Low As; Model Year 2022-2024; Up to $40,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Auto Loan	-	-	6.99%	24 months
Details Qualifications Required: well qualified borrowers; Our Lowest Rates of the Year. Car Loans Rates as low as 2.99% APR* on new, used, and refinanced vehicles. Plus, Personal Loans up to $2,500 up to 24 months at 6.99% APR* for well qualified borrowers. Apply Today - Offer ends October 17, 2026! Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vehicle Loans	-	-	7.49%	Up to 36 months
Details As Low As; Model Year 2021 and older; Up to $35,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Vehicle Loans	-	-	8.49%	Up to 60 months
Details As Low As; Model Year 2021 and older; Up to $35,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 8.49% ▲ 3.49 pts · high 8.49% / low 5.00% Sep 18, 20268.49%▲ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

1st Bergen Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured loans	6.99%	24 months
Details Qualifications Required: qualifying borrowers; Back to School Special: Fixed 6.99% APR for qualifying borrowers on unsecured loans up to $2,500 for up to 24 months. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 6.99% ▼ 0.00 pts · high 7.25% / low 6.99% Oct 9, 20266.99%▼ from 7.25% Sep 25, 20267.25%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Unsecured Loan	7.25%	Up to 24 months
Details Published APR range: 7.25 - 15.25%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.25% ▲ 0.26 pts · high 7.25% / low 6.99% Sep 21, 20267.25%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Personal Loans	8.00%	36 months
Details Available terms may vary by loan purpose and creditworthiness. A representative $10,000 loan at 8.00% APR for 36 months has a monthly payment of $313.36 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Unsecured Loan	8.00%	Up to 36 months
Details Published APR range: 8.00 - 16.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Unsecured Loan	8.75%	Up to 60 months
Details Published APR range: 8.75 - 16.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

1st Bergen Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Primary Share Account	0.75%	-	0.75%
Details Unlimited transfers to and from your checking account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

1st Bergen Federal Credit Union’s Texas Ratio fell from 6.93% in Q3 2023 to 5.32% in Q2 2026, so its financial health has improved 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)

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
June 30, 2026	$11M	5.32%	5.0	A+
March 31, 2026	$11M	6.49%	5.0	A
December 31, 2025	$11M	7.77%	5.0	A
September 30, 2025	$11M	6.57%	5.0	A
June 30, 2025	$10M	4.81%	5.0	A+
March 31, 2025	$11M	3.65%	5.0	A+
December 31, 2024	$11M	6.05%	5.0	A
September 30, 2024	$9M	4.34%	5.0	A+
June 30, 2024	$11M	3.12%	5.0	A+
March 31, 2024	$9M	3.53%	5.0	A+
December 31, 2023	$9M	3.86%	5.0	A+
September 30, 2023	$9M	6.93%	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 1st Bergen 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 1st Bergen 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 1st Bergen Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 1st Bergen Federal Credit Union

Website https://www.1stbergen.com

Address 392 Main St, Hackensack, NJ 07601-5805

Phone 201-968-0202

Fax 201-968-0203

President Gregory Jackson

CEO Robert Moore

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.32%

Return on Assets (ROA)

0.4843%

Return on Equity (ROE)

1.7502%

Non-Performing Loans Ratio (NPL)

2.99%

Total Assets

11,192,246

Total Amount of Shares and Deposits

7,358,071

Total Shares and Deposits < 1 Year

7,074,739

Total Shares and Deposits 1 3 Years

279,004

Total Shares and Deposits > 3 Years

4,326

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

638,576

Total Uninsured Shares and Deposits > $250K (F+J)

638,576

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

6,719,495

Total Interest Expense (Sum of items 6 8)

60,107

Share Certificates

Number of Accounts for Share Drafts

992

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,706

All other shares

428

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

54,206

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)

3,466,796

Total Liabilities

9,420,825

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

1st Bergen Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About 1st Bergen Federal Credit Union

How many branches does 1st Bergen Federal Credit Union operate?

1st Bergen 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 1st Bergen Federal Credit Union?

Yes, to access services at 1st Bergen 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, 1st Bergen 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, 1st Bergen Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 1st Bergen Federal Credit Union offer online and mobile banking?

Most modern institutions like 1st Bergen 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.1stbergen.com.