Who We Are
The Mercer County NJ Teachers' Federal Credit Union is a member-owned, not-for-profit financial cooperative dedicated to providing quality financial products and services, and delivering them in a professional and courteous manner. Unlike other financial institutions that need to generate profits to satisfy stockholders, the MERCER COUNTY NJ TEACHERS' FCU returns all excess earnings to its members in the way of paying higher dividends on savings accounts, lower interest rates on loans, and the addition of new products and services..

As our membership continues to grow, we remain committed to meeting the financial needs of our members. We are a progressive Credit Union that is strategically positioned to deliver contemporary financial services and lead us into the next millennium.

What Is A Credit Union?

A credit union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members and shareholders. Credit unions serve groups that share something in common, such as where they work, live, or go to church. Credit unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates.

Credit unions, like other financial institutions, are closely regulated. They operate in a very prudent manner. The National Credit Union Share Insurance Fund, administered by the National Credit Union Administration, an agency of the federal government, insures deposits of credit union members nationwide. Deposits are insured up to $250,000.

Why Join A Credit Union?

Credit unions provide access to reasonably priced financial services where profits are returned to member-owners in the form of low fees, lower loan rates and higher interest on savings. Financial safety is provided through $250,000 of deposit insurance, by the National Credit Union Association Share Insurance Fund, an agency of the Federal Government.

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