Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions
Since 1936, we have been a member-owned, not-for-profit financial cooperative dedicated to delivering quality financial products and services with professionalism and courtesy. Our mission is to serve our member-owners by returning earnings through low fees, competitive loan rates, and higher savings interest. We prioritize listening to our members to match the right financial solutions to their unique goals, ensuring we are here to answer questions and support them through life's challenges. Our team lives and works in the community, providing personalized service that reflects our progressive approach to contemporary financial needs. We emphasize financial education and safety, with deposits insured up to $250,000 by the National Credit Union Share Insurance Fund.Our structure as a credit union ensures that every decision is made with our members' best interests in mind, offering a stark contrast to traditional banks. We pride ourselves on transparency, ethical practices, and a commitment to making financial dreams achievable for every member. Our 24/7 digital banking tools and surcharge-free ATMs nationwide enhance convenience while maintaining the highest security standards. Through decades of service, we have built a reputation as a trusted partner in financial wellness, dedicated to improving the quality of life for our members and their families.
Services
Checking Accounts
Online Banking
Mobile Banking
Bill Pay
Direct Deposit
Payroll Deduction
Savings Accounts
Auto Loans
Mortgages
Credit Cards
Details
- Year established: 1936
Highlights and features
- We are a member-owned credit union prioritizing your financial success over profits.
- Our 24/7 online and mobile banking tools provide unmatched convenience.
- Competitive APRs on loans and credit cards help you save money long-term.
- We offer financial education resources to support informed decision-making.
- Local decision-making ensures personalized service tailored to community needs.
Services
Auto Loans
Our auto loans offer competitive rates starting at 4.49% APR* with terms up to 84 months. We provide 100% financing, no prepayment penalties, and flexible repayment options through online banking or direct deposit. Our team helps members secure affordable financing for new or used vehicles.
Mortgages
We offer fixed-rate mortgages from 15-30 years and adjustable-rate options through our State Financial Network partnership. Services include first-time buyer programs, home equity loans at 4.99% APR*, and refinancing solutions to lower payments or access home equity.
Checking Accounts
Our checking accounts feature no minimum balance requirements, free Visa debit cards, unlimited transactions, and free bill pay. We provide first 30 checks free, remote deposit capture, and 24/7 digital access for convenient money management.
Online Banking
24/7 online banking allows members to check balances, transfer funds, pay bills, apply for loans, and access e-statements securely. Our platform supports remote deposit capture and integrates with mobile banking apps for seamless financial management.
Savings Accounts
We offer multiple savings options including share savings accounts (minimum $5), money market accounts with tiered rates, holiday clubs, and youth savings programs. All deposits are federally insured up to $250,000 through NCUSIF.
People
Adam Romero
President / CEO & BSA Officer
Leading Mercer County NJ Teachers' Federal Credit Union with over 20 years of financial institution experience, Adam focuses on strategic growth while maintaining our community-first values. He ensures compliance with regulatory standards and oversees daily operations.
Nancy Branin
Operations Manager & Security Officer
Nancy manages branch operations and security protocols with 15+ years in credit union administration. She implements procedures to protect member assets and oversees staff training to maintain our high service standards.
Judith Bauer
Loan Department Manager
With a decade of lending experience, Judith leads our loan team in evaluating applications and developing mortgage and auto financing programs. She specializes in matching members with appropriate loan products and terms.
George Smith
Board Chairperson
George provides governance leadership as Board Chair, representing member interests through strategic oversight. He brings 30 years of financial services experience to ensure our credit union maintains fiscal responsibility and community focus.
Ernest Smith
Director / Member
Serving on both the Board and Supervisory Committee, Ernest contributes dual perspectives on credit union operations. His 25 years of member engagement experience helps shape policies that balance growth with member benefits.
Questions
Who is eligible for membership?
Membership extends to anyone in Mercer County, NJ, including family members like spouses, children, and grandparents. Joining creates lifelong member-ownership with access to all services.
What digital banking options are available?
We offer 24/7 online banking, mobile apps with remote deposit, bill pay, and e-statements. Our mobile app allows check deposits, balance checks, and loan applications from any smartphone.
How do credit union rates compare to banks?
As a not-for-profit cooperative, we return earnings to members through lower loan rates, higher savings yields, and reduced fees compared to traditional banks' profit-driven models.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a U.S. government-backed program covering member accounts.
What vehicle financing options exist?
We offer auto loans starting at 4.49% APR* with terms up to 84 months, GAP coverage, and mechanical repair protection. Members can refinance existing loans or get pre-approved for new purchases.
How does mortgage lending work?
Through our State Financial Network partnership, we provide fixed-rate mortgages (15-30 years), adjustable-rate mortgages, and home equity loans at competitive rates to help members achieve homeownership goals.
