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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

National Women Veterans Recognition Day: Helpful Resources
News & Blog
National Women Veterans Recognition Day: Helpful Resources

Wednesday, June 12, marks National Women’s Veterans Day, a day set apart to recognize women veterans who have and continue to serve and protect our country. With many female veterans struggling financially, 1166 Federal Credit Union’s CEO Annemarie Shinn — a veteran herself — shares insights and resources to address the financial struggles they face.

A November 2023 Finra Investor Education Foundation report indicated female veterans...

1166 FCU’s Shinn Featured on Front Runner New Jersey
News & Blog
1166 FCU’s Shinn Featured on Front Runner New Jersey

1166 FCU CEO and CrossState Board Director, Annemarie Shinn, was recently featured on Front Runner New Jersey’s Ask the Expert column. Shinn discusses the importance of an emergency fund, and how to start one. The article give a step by step tutorial on how to setup an emergency fund and if and when it should be accessed.

READ THE ARTICLE

...

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,...

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...

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...

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