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Personal & Business Loans

Easy application for mortgage loans, project loans, student loans, & business loans. With low loan rates, interest rates, and multiple repayment options.

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Technology To Meet Members Needs:

Mobile Apps, Text Banking, Online 24/7, Bank-to-Bank Shared Branching, Mortgages in 40 States, Personal Lending, Rewards-Based Credit Cards, Debit Cards

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We've Got Your Business Covered

Lower fees and dedicated loan specialists to help businesses reach their highest financial goals.

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Become A Member Today:

• Low loan rates
• Sign up for checking and savings accounts
• Easy application for loans of any type
• Access to over 5,000 shared branches
• Free credit report
• Credit Union Travel Club

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On The Spot Financial Counseling

Learn from the best using our financial counseling services. Make informed decisions about credit cards, loans, budgeting, and more!

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Easy Access to Student Loans

• Easy access to the money you need for school
• Competitive interest rates
• Multiple repayment options
• No origination fee or prepayment penalty

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1166 FCU

Our Numbers Add Up to Service & Savings

1166 FCU is a regional credit union serving communities in Southern New Jersey, Southeastern Pennsylvania, and Northern Delaware.
Since 1936, 1166 FCU has diligently served its members, providing financial guidance, exceptional loan and credit card services, & other personal and business banking tools.

Become A Member Today!

Text Your Zip Code to 91989 for a List of Branches Near You!

Explore Our Services

Personal Banking

Personal Banking

Business Banking

Business Banking

Lending & Credit

Lending & Credit

Branches & ATMs

Branches & ATMs

Current Rates

Auto Loans as low as

5.00

Home Equity as low as

5.00

Deposits as high as

5.00

Credit Cards as low as

11.05

Personal Loans: A Quick and Easy Guide
News & Blog
Personal Loans: A Quick and Easy Guide

You have needs, wants, desires, and dreams. Much to our chagrin, achieving these aspirations requires money. But what if you don’t have the cash you need? A personal loan is a viable option when you need financial support to accomplish your goals.

What is a personal loan?

Personal loans are sums of money individuals can access and use for various expenses. When using a personal loan, you must repay the borrowed money overtime and in full by a fixed end date. These loans have fixed...

Louise McCarren Herring and Annemarie Shinn, supporting Tri-State’s Underbanked Population
News & Blog
Louise McCarren Herring and Annemarie Shinn, supporting Tri-State’s Underbanked Population

To celebrate Women's History Month, we're highlighting "The Mother of Credit Unions," Louise McCarren Herring. Louise had a vision to create a not-for-profit financial cooperative and
joined the credit union movement in 1933. She organized over 500 credit unions in Ohio and became the founder and first managing director of the Ohio Credit Union League, among many other accomplishments. Her brilliant and caring early pioneer of credit unions paved the way for credit unions across the nation.

Closer to home, CEO Annemarie Shinn has been leading 1166 Federal Credit Union for 22 years. She’s a...

1166 FCU Joins Two Local Chambers of Commerce
News & Blog
1166 FCU Joins Two Local Chambers of Commerce

1166 Federal Credit Union is thrilled to announce its membership to two local chambers: the Chamber of Commerce of Southern New Jersey (CCSNJ) and the Gloucester County Chamber of Commerce (GCCCNJ).

Chamber membership gains 1166 FCU access to valuable resources that foster growth for the organization as well as its communities. As a long-term advocate of “real people helping real people,” the credit union believes its membership will enhance its community involvement and bring unique financial solutions to more people within its service areas of Southern New Jersey, Southeastern Pennsylvania,...

CEO Annemarie Shinn Speaks With the Delaware News Journal
News & Blog
CEO Annemarie Shinn Speaks With the Delaware News Journal

In late 2023, 1166 Federal Credit Union expanded its service area to reach underserved and underbanked communities in Southern New Jersey, Southeastern Pennsylvania, and Northern Delaware. To inform eligible communities about the credit union’s recent charter expansion, as well as its services, the credit union’s CEO Annemarie Shinn spoke with Anitra Johnson from the Delaware News Journal in December.

Delaware offers 100 shared branch locations for 1166 FCU members, aiding in the provision of financial solutions to areas with historically limited or nonexistent access to banking. With $5, eligible...

Credit Cards: Insider Info You Need To Know
Financial Education
Credit Cards: Insider Info You Need To Know

The first inklings of credit cards appeared as clay tablets in ancient Mesopotamia, at least 5,000 years ago, recording transactions between merchants for payment of goods or services that would come later. Today, we are all too familiar with those thin, rectangular pieces of plastic, so much so that 77 percent of U.S. adults have at least one credit card.
What is a Credit Card?
But how do they work? How do I use one wisely? What credit card options are there?

To start, think of a credit card as a renewable short-term loan you must repay the lender by a set date. You’re borrowing money, recording that process and transaction on your card, and repaying later. Credit cards are incredibly...

Saving for Retirement: Traditional IRA vs ROTH IRA
Financial Education
Saving for Retirement: Traditional IRA vs ROTH IRA

56% of Americans feel behind on saving for retirement, yet 25% of workers haven’t made retirement contributions in at least a year, according to Bankrate. For some, retirement is right around the corner, so much so that it can feel more scary than exciting. For others, it’s tempting to sweep saving plans under the rug since that time seems so far away. Regardless of your position, today’s actions build the savings for your future, and it’s never too late to start. But where DO you start?
Let me introduce you to my little friend: an Individual Retirement Account (IRA)

What is an IRA?
Specifically designed for retirement savings, IRAs are individual retirement accounts with tax advantages. Two of the most popular retirement accounts are traditional IRAs and Roth IRAs, and you can invest in both simultaneously. Today, we’ll discuss the pros and cons of each and how they can...

Personal Loans: A Quick and Easy Guide
Financial Education
Personal Loans: A Quick and Easy Guide

You have needs, wants, desires, and dreams. Much to our chagrin, achieving these aspirations requires money. But what if you don’t have the cash you need? A personal loan is a viable option when you need financial support to accomplish your goals.

What is a personal loan?

Personal loans are sums of money individuals can access and use for various expenses. When using a personal loan, you must repay the borrowed money overtime and in full by a fixed end date. These loans have fixed interest rates and must receive equal monthly payments over the agreed-upon repayment term, usually ranging between one and seven years.

The sum of money you receive from a personal loan depends on factors like your credit score, income, debt-to-income (DTI) ratio, and lender. Individuals can apply for the amount they need, but the lender’s policy will limit the...

Understanding Credit Scores: No Luck Required
Financial Education
Understanding Credit Scores: No Luck Required

March is the month of four-leaf clovers and Leprechauns, but did you know it’s also the perfect time to learn about credit and credit scores? That’s because March is National Credit Education Month! What’s even better? You don’t need any luck to be a credit expert!
What is Credit?
Let’s start at the beginning. What IS credit? If we flip open the history books, we’ll find that the word “credit” first appeared in the 1520s. Individuals within the financial industry would use the word “credit” when referring to loan reliability and trustworthiness.

Little has changed with the way we refer to credit today. Credit is your ability to borrow something of value from a lender with the understanding that you will pay for it later.

Say a good friend, Joe, borrowed $100 from you. Two months go by, and Joe still hasn’t paid you back, but he calls you and asks for $50 more. You might hesitate...

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