1st Bergen Federal Credit Union is a credit union headquartered in Hackensack, New Jersey, whose mission is to empower and strengthen individuals and families who may not otherwise have access to banking and financial services. Founded in 2009, today 1st Bergen FCU serves more than 2,000 members, offering the same products and services a bank does, but for less – including totally free checking and access to more than 43,000 surcharge-free ATMs nationwide, as well as loans, mortgages and online banking.
As an affiliate of Greater Bergen Community Action, a non-profit that has been empowering the local community since 1967, 1st Bergen’s products and services include those that cater to the needs of individuals and families with modest incomes, as well as those who may have debt or credit challenges.
1st Bergen Federal Credit Union savings are federally insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. government, so you know your money is safe. As a certified Community Development Financial Institution since 2011, 1st Bergen is committed to investing in the local community, providing safe and affordable loans to area residents and financing local projects, such as small businesses and affordable housing, where these investments will have the greatest community impact.
About Our Products & Services
A debit card looks like a credit card, but it functions like a combination ATM card and check, allowing the cardholder to transfer money electronically from a checking account to make a purchase or to withdraw cash from an ATM or by selecting the “cash back” option some stores offer on debit card transactions.
A loan lets you borrow money that you agree to pay back, with interest, at a later date. Typical credit union loans include personal loans, auto loans and mortgage loans. Credit union members often enjoy lower interest rates and may have an easier time getting approved for a loan than at a bank.
A deposit method in which money is electronically transferred directly into your account, replacing the need to deposit a physical check. Frequently used for employee paychecks and government benefits, direct deposit is convenient and often processed quicker than paper checks, giving you access to your money sooner.
A service provided by a credit union that allows members the convenience of conducting financial transactions remotely using a mobile device such as a smartphone or tablet.
An ideal account for day-to-day money management that lets you to access your money almost anywhere by writing a check, using a debit card to make a purchase or withdrawing cash from an ATM. Often supports direct deposits and there is usually no limit to how many withdrawals you can make in a month.
A secure and convenient way to electronically access your money, check your balance and complete banking transactions with a credit union via the Internet.
An account (called a share account at a credit union) that lets you earn interest on the money you deposit. Interest rates are low, but minimum deposit is small. Unlike investment accounts, savings accounts – and the money you keep in them – are federally insured up to $250,000.
Become a Member
1st Bergen FCU membership is open to anyone who lives, works, worships, volunteers, attends school or does business in Bergen County, Paterson, or Jersey City, NJ. Immediate family of current members are also eligible to join 1st Bergen.Apply Now
1st Bergen FCU
When my family and I decided to take over the local pizzeria on Main Street in Hackensack, we needed some help to take our new family business to the next level. I applied for a 1st Bergen Personal Loan so that I could hire new staff and make minor upgrades to the pizzeria, and was approved. My dream of owning a successful business is becoming a reality now that I have the capital to get things done.
"1st Bergen helped me get the capital I needed to make my dream of owning a successful business become a reality."
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.