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Central Jersey Police And Fire FCU

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Central Jersey Police And Fire FCU Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Jersey Police And Fire FCU 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 13, 2026

Central Jersey Police And Fire FCU's top rate as of October 13, 2026 is personal loans from 8.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Central Jersey Police And Fire FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.86%. Rates last updated and verified on 10/13/2026.

Central Jersey Police And Fire FCU 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 Central Jersey Police And Fire FCU? Share your experience about Central Jersey Police And Fire FCU by leaving a review below, or read customer reviews before you decide to use Central Jersey Police And Fire FCU.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.86%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Jersey Police And Fire FCU
HAMILTON

2430 Hamilton Ave
Hamilton, NJ 08619

https://cjpolicefirefcu.org

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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.

Central Jersey Police And Fire FCU Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars Loan	-	-	3.99%	48 Months or less
Details With credit score of 700 and above Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	4.99%	60 Months
Details With credit score of 700 and above Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	4.99%	48 Months or less
Details With credit score of 700 and above Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	5.24%	72 Months
Details With credit score of 700 and above Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	5.49%	84 Months
Details With credit score of 700 and above Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	5.99%	48 Months or less
Details With credit score of 600 to 699 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	5.99%	60 Months
Details With credit score of 700 and above Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	6.24%	72 Months
Details With credit score of 700 and above Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	6.49%	84 Months
Details With credit score of 700 and above Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	6.99%	60 Months
Details With credit score of 600 to 699 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	6.99%	48 Months or less
Details With credit score of 600 to 699 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	7.24%	72 Months
Details With credit score of 600 to 699 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	7.49%	84 Months
Details With credit score of 600 to 699 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	7.99%	48 Months or less
Details With credit score of 599 and below Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	7.99%	60 Months
Details With credit score of 600 to 699 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	8.24%	72 Months
Details With credit score of 600 to 699 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	8.49%	84 Months
Details With credit score of 600 to 699 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	8.99%	60 Months
Details With credit score of 599 and below Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	8.99%	48 Months or less
Details With credit score of 599 and below Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	9.24%	72 Months
Details With credit score of 599 and below Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	9.49%	84 Months
Details With credit score of 599 and below Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	9.99%	48 Months or less
Details With credit score 499 and below with Board Approval and Co Applicant Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	9.99%	60 Months
Details With credit score of 599 and below Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	10.24%	72 Months
Details With credit score of 599 and below Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	10.49%	84 Months
Details With credit score of 599 and below Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	10.99%	60 Months
Details With credit score 499 and below with Board Approval and Co Applicant Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	10.99%	48 Months or less
Details With credit score of 499 and below with Board Approval and Co Applicant Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	11.24%	72 Months
Details With credit score 499 and below with Board Approval and Co Applicant Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New Cars Loan	-	-	11.49%	84 Months
Details With credit score 499 and below with Board Approval and Co Applicant Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	11.99%	60 Months
Details With credit score of 499 and below with Board Approval and Co Applicant Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	12.24%	72 Months
Details With credit score of 499 and below with Board Approval and Co Applicant Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Used Cars Loan	-	-	12.49%	84 Months
Details With credit score of 499 and below with Board Approval and Co Applicant Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Central Jersey Police And Fire FCU Personal Loan Rates

Product	APR	Term
Personal Loans	8.99%	Up to 60 month
Details With credit score of 750 and above. Max of $25,000.00. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Personal Loans	10.99%	Up to 60 month
Details With credit score of 700 - 749. Max of $20,000.00. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Personal Loans	11.99%
Details With credit score of 600 - 699. Max of $15,000.00. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Personal Loans	12.99%
Details With credit score 599 and below. Max of $15,000.00. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Personal Loans	13.99%
Details With credit score 499 and below with Board Approval. Max of $15,000.00. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 13.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Debt Consolidation Loan	14.99%	Up to 48 month
Details Max of $20,000.00 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 14.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Central Jersey Police And Fire FCU Other Rates

Product	Rate	Points	APY/APR	Term
Christmas Loans	-	-	6.99%	12 months terms
Details ($3000.00 max) Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Vacation Loans	-	-	6.99%	12 months terms
Details ($3000.00 max) Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

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

Central Jersey Police And Fire FCU’s Texas Ratio rose from 0.66% in Q3 2023 to 1.86% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$52M	1.86%	5.0	A+
March 31, 2026	$50M	1.97%	5.0	A+
December 31, 2025	$48M	1.97%	5.0	A+
September 30, 2025	$47M	2.62%	5.0	A+
June 30, 2025	$46M	2.36%	5.0	A+
March 31, 2025	$47M	2.52%	5.0	A+
December 31, 2024	$45M	1.16%	5.0	A+
September 30, 2024	$45M	3.67%	5.0	A+
June 30, 2024	$45M	1.01%	5.0	A+
March 31, 2024	$44M	0.38%	5.0	A+
December 31, 2023	$44M	2.37%	5.0	A+
September 30, 2023	$44M	0.66%	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 Central Jersey Police And Fire FCU 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 Central Jersey Police And Fire FCU 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 Central Jersey Police And Fire FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Jersey Police And Fire FCU

Website https://cjpolicefirefcu.org

Address 2430 Hamilton Ave, Hamilton, NJ 08619

Phone 609-570-8155

Fax 609-228-7410

President Paul Meyer

CEO Robert Diszler

Full-Time Employees 5

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.86%

Return on Assets (ROA)

0.9181%

Return on Equity (ROE)

6.3740%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

52,298,024

Total Amount of Shares and Deposits

44,620,055

Total Shares and Deposits < 1 Year

44,620,055

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

5,077,931

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

5,077,931

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

39,542,124

Total Interest Expense (Sum of items 6 8)

353,752

Share Certificates

224

Number of Accounts for Share Drafts

921

Number of Accounts for Regular Shares

2,968

All other shares

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)

2,150,384

Total Liabilities

45,051,135

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Central Jersey Police And Fire FCU 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Central Jersey Police And Fire FCU

How many branches does Central Jersey Police And Fire FCU operate?

Central Jersey Police And Fire FCU 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 Central Jersey Police And Fire FCU?

Yes, to access services at Central Jersey Police And Fire FCU, 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, Central Jersey Police And Fire FCU 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, Central Jersey Police And Fire FCU provides members with tools to manage their accounts and build a solid financial history.

Does Central Jersey Police And Fire FCU offer online and mobile banking?

Most modern institutions like Central Jersey Police And Fire FCU 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://cjpolicefirefcu.org.