About Us

Who We Are

Mercer County NJ Teachers’ Federal Credit Union (MCNJTFCU) is a member-owned, not-for-profit financial cooperative dedicated to providing quality financial products and services and delivering them professionally and courteously. Unlike other financial institutions that need to generate profits to satisfy stockholders, we return earnings to you, our members.

As we continue to grow, we remain committed to serving your financial needs. We’re a progressive credit union, strategically positioned to deliver contemporary financial services to meet your ever-changing and diverse needs.

What Is A Credit Union?

A credit union is a not-for-profit, financial cooperative, owned and controlled by the people who use its services. These people are members and shareholders. Credit unions exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates. Profits are returned to members 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 (NCUSIF), an agency of the Federal Government. Deposits are insured up to $250,000.
  • Credit unions, like other financial institutions, are regulated. They also operate prudently while putting the needs of their members first.

MCNJTFCU vs. a Bank

Similar to a bank, we offer a full range of financial services. However, there are essential differences. As a not-for-profit financial institution, you’re not a customer; you’re a member. And it’s this member-owner philosophy that sets the tone in the service you receive.

Our structure and core values are also different from a bank:


Not-for-profit organization

Owned by members

Works for members’ best interest

Volunteer board of directors

Lower fees

Lower rates charged on loans


For-profit corporation

Owned by shareholders

Works to make a profit for shareholders

Paid board of directors

Higher fees

Higher rates charged on loans

About Us

The Credit Union Difference

We are here to help you and your family achieve your financial goals. Our biggest difference is you are an owner once a member, we are non-profit, and the staff, live and work in your community.

Leadership & Staff

We are here to serve your financial needs. Content with us online, in person or by phone.

Contact Us

We proud of our roots yet looking forward to our future, meet our local team.

We're Here For You

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