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Our Products and Services

Managing your money doesn’t have to be hard. Your neighborhood credit union gives you easy access to safe and affordable financial products, like savings accounts and loans, as well as services, like financial counseling, to help you build credit, start saving and begin planning for your financial future. Best of all, as part-owner of a community-led financial cooperative, you know you’re getting the best rates, the lowest fees and trusted advice from people who genuinely have your best interests at heart.

Debit Card

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.

Direct Deposit

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.

Mobile Banking

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.

Certificate of Deposit

A type of savings account in which a credit union issues a certificate to a person depositing money for a specified length of time -- generally a three month to seven year investment commitment. CDs offer higher and fixed interest rates, but with a greater initial deposit and penalty for early withdrawal.

Online Banking

A secure and convenient way to electronically access your money, check your balance and complete banking transactions with a credit union via the Internet.

Checking Account

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.

Savings Account

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.

Club Accounts

A goal-oriented savings account offered by credit unions to help members save for a particular purpose, such as a holiday vacation. You generally don’t earn more on your savings with this type of account (although some credit unions offer perks to encourage regular saving).

What You Need To Join

A Social Security Number

A U.S. or official foreign government-issued photo ID (like a Driver’s License, State ID, Passport)

If your identification does not have your current address, please be sure to bring any of the appropriate documents to validate your residential address, such as:

  • Utility bill or utility hookup
  • Vehicle registration
  • Letter from Social Security office
  • Lease agreement
  • Real Estate Tax Record
  • Mortgage document if you recently purchased a new home
  • Voter Registration Card
  • Educational institution transcript
  • W-2 or 1099 for the most recent tax year
  • Renter’s insurance policy

Small fee and minimum deposit (amount varies by credit union)

Small deposit in a savings account (called a share account at credit unions; amount varies by credit union)

See What Your Local Credit Union Can Do For You

1st Bergen Federal Credit Union


93-95 Main Street
Hackensack, NJ 07601

PH (201) 968-0202
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M-W 9am – 4pm
TH-F 9am – 6pm
SAT 9am – 1pm

Products & Services
  • Online Banking
  • Direct Deposits
  • Debit Cards
  • Club Accounts
  • Mobile Banking