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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

6.50

Home Equity as low as

5.00

Deposits as high as

6.75

Credit Cards as low as

11.05

Immediate Attention Required For All Business Account Holders!
News & Blog
Immediate Attention Required For All Business Account Holders!

Tick tock! The beneficial ownership clock is ticking for business account holders. The deadline is looming if your existing business accountholders are not registered by January 1, 2025. The fine is $500 per day, up to $10,000 per instance.

New law, effective January 1, 2024, requires that business account holders provide a copy of their Beneficial Ownership Information documents for the Credit Union's files.

Our records indicate that you have a Business Account with our Credit Union. New law effective January 1, 2024 requires that business account holders provide a copy of...

1166 FCU’s Annual Members Meeting
News & Blog
1166 FCU’s Annual Members Meeting

On November 21, 2024, 1166 FCU will hold its Annual Members Meeting over Zoom at 4:30 p.m. This virtual meeting provides a valuable opportunity to connect with the board of directors and fellow members, discuss the credit union’s direction for 2025, and share ideas.

1166 FCU is committed to transparency and member involvement. When members share their perspectives, the credit union can better understand their needs and enhance the services provided. Have a hand in a future worth envisioning!

All members can find the Zoom link to attend the meeting in their email within 1166 FCU’s November...

1166 Federal Credit Union Seeks Food Drive Donations for CU Kind Day
News & Blog
1166 Federal Credit Union Seeks Food Drive Donations for CU Kind Day

1166 Federal Credit Union (1166 FCU) is proud to participate in CU Kind Day 2024, observed Monday, October 14. CU Kind Day is a collaborative effort designed for credit union employees, members, partners, and volunteers to spread kindness through various community projects. To address the growing hunger crisis in its communities, 1166 FCU will participate in a joint food drive with other local credit unions, including First Harvest, EdiFi, and Affinity FCU. Community members are invited to fill the donation boxes at their locations from October 1 to November 8.To contribute at 1166 FCU, visit the...

1166 FCU Makes Strides To Combat Language Barriers in Banking
News & Blog
1166 FCU Makes Strides To Combat Language Barriers in Banking

The Federal Deposit Insurance Corporation’s National Survey of Unbanked and Underbanked Households finds that 15 percent of U.S. Hispanic households are unbanked. With 49 percent of this population citing a lack of English proficiency as the main reason for not having a bank account, financial institutions like 1166 Federal Credit Union are taking steps to close the gap between accessible financial services and Spanish speakers.

With Forbes reporting that “many of these unbanked or underbanked individuals/families are spending more than $40K in lifetime fees largely stemming from reliance on...

Bankruptcy: To Fear or Not to Fear
Financial Education
Bankruptcy: To Fear or Not to Fear

“I declare…BANKRUPTCY!” - Michael Scott, The Office

While I often feel like sarcastically quoting this after paying $7 for a Starbucks coffee, bankruptcy is not an ordinary, everyday occurrence. Nor should it be, as it’s not something to take lightly in business or personal finances. However, this debt-relieving legal process can give individuals a “fresh start,” especially if they’re burdened with heavy outstanding balances and have exhausted other repayment options. But it’s not without its tradeoffs.

What is Bankruptcy?

Growing up, I thought bankruptcy was equivalent to pounding a big you’re-financially-done-for-forever stamp on someone’s forehead. And while bankruptcy can result from poor financial decisions, failed businesses, loss of income, and so on, the process itself is not always a bad thing, contrary to popular belief. In fact, it can be the exact opposite.

But before...

What Are Home Equity Loans?
Financial Education
What Are Home Equity Loans?

Home is where the “equity” is. And the more you have of it, the better. But what is home equity, what is a home equity loan, and how do you make the most of these helpful resources?
What is Home Equity?
Simply put, home equity is your home’s current market value, minus the amount you owe on a mortgage.

For example, if your house is worth $200,000 (the current market value), and you owe $70,000 on your mortgage, your home equity is $130,000. When the value of your home increases, or the amount you owe on your home decreases, your home equity increases. Yay! If the value of your home decreases, or you take out an additional mortgage, your home equity decreases. Yikes!

What is Negative Home Equity?
You DON’T want the amount you owe on your mortgage to surpass the current market value of your home. This is referred to as negative equity or an upside-down/underwater mortgage.

Homes with negative equity have a high chance of going into foreclosure -- when the lender seizes the home...

Inflation Unveiled: Understanding, Coping, and Thriving
Financial Education
Inflation Unveiled: Understanding, Coping, and Thriving

“Inflation” has lingered heavily on the minds of Americans for the past three or four years, inducing fear in up-and-coming generations grappling to hold onto the hope of financial stability. As prices continue to rise, more and more Americans, especially Millennials and members of Gen Z, are vocalizing the “death of the American Dream.”

In fact, the Wall Street Journal found that 45% of survey respondents believe it was once true that if you work hard, you’ll get ahead (the driving factor of the American Dream), but not anymore.

Before doom and gloom overcome you, take a deep dive with me into the seemingly scary world of inflation. As both Hermione Granger and Albus Dumbledore would say, “Fear of a name increases fear of the thing itself.” So, without further adieu, let’s diminish unfamiliarity and boost your ability to manage the everchanging tides of Inflation.
What...

How to Save $5,050 in 100 Days
Financial Education
How to Save $5,050 in 100 Days

I don’t know about you, but when someone says I can save $5,050 in 100 days, I get in the savings mood. For those who find saving money not only a struggle but a dreadful task, the 100 Envelope Saving Challenge could be your quirky, yet practical, solution. Not only will you 100% save $5,050 in 100 days if you stick to the rules of the challenge, but it is (dare I say) a fun saving activity.
What is the 100 Envelope Saving Challenge?
The name suggests that envelopes are necessary for this challenge. Between you and me, that’s a lot of unnecessary work, and no one wants to go out and buy 100 envelopes if they don’t have them already. As a result, I’m altering the setup so that all you need is paper, a pencil, and a small container (or you can go fully digital and I’ll tell you how further down). However, if envelopes add to the appeal, feel free to fulfill those envelope...

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