Mortgages
PAWsome August Auto Advantage! 

Raise the WOOF with an EXTRA 0.25% OFF auto loan APR rates with direct payroll deposit and auto pay if you purchase a new or used vehicle in August!

Auto Lease Buyout and Auto Refinance are not eligible.

Apply For FREE!
Money Market
Money Market Plus Account

High-yield money market account with flexible access to growing funds!

• 3.00% Annual Percentage Yield (APY)
• Minimum deposit of $2,500 to earn APY
• 2 free withdrawals monthly

Learn More
Mortgages
Your Home Base For Home Buying

From FHA & VA loans to refinances or investment properties, we've got programs to meet your needs.

All loans are subject to credit qualification, credit worthiness and other factors. Contact the credit union for complete rate information. Federally Insured by the NCUA.

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Student Loans
Get The Money You Need For School 

Whether you're an undergrad, career training or graduate student, find the student loan that's right for you.

• Competitive interest rates
• Multiple repayment options
• No origination fee or prepayment penalty

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Rates
Compare Our Rates!

We offer some of the most competitive rates in the region for auto loans and home equity loans!

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Become a Member
Become A Member Today:

• Exclusive cost-saving benefits
• Access to over 5,000 shared branches
• Free financial counseling
• Convenient and local support

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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

4.25

Home Equity as low as

5.00

Deposits as high as

3.00

Credit Cards as low as

11.05

New “Money Market Plus” Account Now Available at 1166 FCU
News & Blog
New “Money Market Plus” Account Now Available at 1166 FCU

1166 Federal Credit Union has officially launched its new money market product, “Money Market Plus,” now available to new and existing credit union members. Federally insured by NCUA, this high-yield account offers flexible access to funds as they grow. The Money Market Plus account features include:

3.00% Annual Percentage Yield (APY*)
2 free withdrawals monthly**
No monthly maintenance fees
Minimum deposit of $2,500 to earn APY
Dividends are calculated daily and paid monthly

Money...

SEG Partnerships: A Win-Win for Your Team and Your Bottom Line
News & Blog
SEG Partnerships: A Win-Win for Your Team and Your Bottom Line

A recent survey report on employee benefits trends notes that companies are seeking to deliver more value even as they manage budget constraints. In the article, the WCW consultants note, "With rising costs, economic instability, and employees demanding more support and personalization, organizations must transform how they think about benefits. Yet, this isn't a story of increased budgets and ever-increasing programs. Instead,...

New Exclusive Perks for Employees of Select Employer Group Partners
News & Blog
New Exclusive Perks for Employees of Select Employer Group Partners

1166 Federal Credit Union is excited to announce the launch of its revamped Select Employer Group (SEG) Partnership, designed to strengthen the credit union's relationship with local businesses and their teams by offering exclusive financial benefits for partner employees.

Founded in 1936 to serve the financial needs of Mobil research employees, 1166 FCU has a long-standing history of supporting workers and enriching their lives with tailored benefits. With new and enhanced offerings, such as reduced auto and home equity loans and checking accounts that earn more interest, 1166...

Is Investing in a Condo a Good Idea?
News & Blog
Is Investing in a Condo a Good Idea?

Who’s that knocking at the door? It might just be your next big investment: a condo. Whether you're a first-time buyer, aspiring landlord, or ready to downsize, a condo could be the real estate investing opportunity you’ve been searching for. In this blog, we’ll get comfy with condos, discover the pros and cons, and explore helpful ways to take advantage of this housing solution. To conDO or conDON’T, that is the question.

What is a Condo?

Before you grab some brown boxes and start packing, let’s get comfortable with condos and how they work.

Short for “condominium,” a condo...

What are Money Market Accounts?
Financial Education
What are Money Market Accounts?

A farmer's market full of juicy money bags instead of tomatoes. That’s what comes to mind when I hear “Money Market Account.” While you won’t find produce within this fresh savings option, it can produce financial growth packed with potential. Grab your tote bag and get ready to harvest some delicious earnings!

What is a Money Market Account?
Imagine if a savings account and a checking account had a baby. You’d get a money market account, also known as an MMA. (No, not the cage-fighting MMA!)

Offered by banks and credit unions, MMAs are deposit accounts, meaning they allow both deposits and withdrawals, similar to other deposit accounts like savings accounts, checking accounts, and certificates of deposit (CDs). What makes MMAs unique is their interest rates and access to funds, also known as liquidity.

Like savings accounts, deposited money grows and earns interest over time, but MMAs offer higher interest rates than traditional savings accounts.

Like a checking account,...

Is Investing in a Condo a Good Idea?
Financial Education
Is Investing in a Condo a Good Idea?

Who’s that knocking at the door? It might just be your next big investment: a condo. Whether you're a first-time buyer, aspiring landlord, or ready to downsize, a condo could be the real estate investing opportunity you’ve been searching for. In this blog, we’ll get comfy with condos, discover the pros and cons, and explore helpful ways to take advantage of this housing solution. To conDO or conDON’T, that is the question.

What is a Condo?

Before you grab some brown boxes and start packing, let’s get comfortable with condos and how they work.

Short for “condominium,” a condo is a living space or unit within a larger multi-unit building. It’s like a beehive, with individual hexagons serving as separate spaces within the larger structure. And just like honey, it can be a pretty sweet situation, especially since you can privately rent out your unit and benefit from property appreciation over time (stay tuned for more).

Amenities

Outside...

Scams are Getting Smarter – Are You?
Financial Education
Scams are Getting Smarter – Are You?

Gone are the days when scams were easily detectable and avoidable. While many pride themselves on their capability to detect and avoid these dangerous schemes, data shows that scammers exploit this overconfidence, using ever-advancing techniques to trick their typical elderly targets and younger digital natives.

One Citi survey found that 90% of U.S. adults believe they can identify and prevent financial scams, but more than a quarter of the 2,432 recipients of the online poll have been victims already. Additionally, 32% of Gen Zs report being victims of financial scams, the highest of any age group regardless of status as one of the most tech-savvy generations. Even more so, according to Deloitte, Gen Zs are...

Intro To Mortgages
Financial Education
Intro To Mortgages

Move over, March Madness! It’s time for March Mortgages! As you craft your winning basketball bracket, practice your knowledge of game-changing mortgage options to help you find your homebuying champion!
What is a Mortgage?
A mortgage is a loan agreement between an individual and a lender over the purchase of property, typically a home, secured by the property as collateral. Simply put, you borrow money to purchase a home and pay it back with interest. If you don’t repay the lender, they can take back the property (talk about an airball).
What Types of Mortgage Loans Are There?
The type of mortgage you choose affects important financial aspects of the home-buying process, like the interest rate and down payment. But with so many options, how do you know what’s best for you? Not to worry, my home-buying friends! Come along as we unpack the five main types of mortgages: fixed-rate, adjustable-rate, conventional, government-backed, and jumbo loans.

Conforming Vs. Nonconforming Mortgage...

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