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

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Personal & Business Loans
Personal & Business Loans

Loans molded to your needs.
Designed by our specialists. Created for success.
Low rates & multiple repayment options.
Federally insured up to $250,000.

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• 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.

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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

2.25

Credit Cards as low as

11.05

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...

1166 FCU Welcomes New Manager Michael DiPlacido
News & Blog
1166 FCU Welcomes New Manager Michael DiPlacido

1166 Federal Credit Union is pleased to announce Michael DiPlacido as its new manager, effective May 1, 2025, succeeding the retirement of Annemarie Shinn, who faithfully served members for nearly 23 years.

DiPlacido brings a wealth of experience in finance and real estate, having spent 11 years as Vice President of Mortgage Lending and Senior Vice President of the Call Center at Police and Fire Federal Credit Union and serving as a real estate agent with Weichert Realtors since 2022. His leadership skills, experience, and core values align perfectly with 1166 FCU’s philosophy of “real people...

1166 FCU Supports the 8th Annual RJ Amandeo Memorial Golf Outing
News & Blog
1166 FCU Supports the 8th Annual RJ Amandeo Memorial Golf Outing

1166 Federal Credit Union (1166 FCU) is pleased to serve as a sponsor of the RJ Amandeo Memorial Golf Outing as part of Williamstown High School Golf Team's “Scramble for a Cure” Golf Tournament.

In 2016, Williamstown, New Jersey, lost RJ Amendeo, a beloved resident and passionate community contributor, to cancer. As the father of two dedicated students within the Williamstown school district, including a son who captained the high school golf team, RJ’s family knew he would want his legacy of community involvement to live on.

For the past eight years, the RJ Amandeo Memorial Golf Outing...

1166 FCU Donates Financial Education Tools to Special Needs Class
News & Blog
1166 FCU Donates Financial Education Tools to Special Needs Class

1166 Federal Credit Union (1166 FCU) recently donated financial education tools & workbooks to a Clearview Regional High School special needs class to advance its students’ financial literacy. As Clearview special education teacher Kathleen Firkser sought financial education materials to equip her class for real-world money management scenarios, she reached out to 1166 FCU. “We’re committed to empowering the next generation with financial knowledge, especially in underserved communities, so we’re happy to provide financial education workbooks for Ms. Firsker’s students,” shared CEO Annemarie...

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...

Financial Investing for Beginners: Make the Most of 2025
Financial Education
Financial Investing for Beginners: Make the Most of 2025

Believe it or not, you’re already a pro at investing. Maybe not financial investing, but bear with me. At its core, investing is dedicating resources to something with the expectation that you’ll see growth come from that decision. That’s something you do every day! Check it out:

You invest love into your relationships with friends, family, and partners to deepen those bonds. For the gym rats out there, you invest energy into working out to improve your physical health. By reading this blog, you’re investing time into financial education, expecting that acquired knowledge to help you make well-informed investment decisions later.

What is Financial Investing?
In terms of financial investing, the goal is to dedicate money to opportunities that are likely to grow your wealth. Instead of simply saving your money in a savings account that earns little interest and doesn’t grow substantially, you can invest in opportunities with a higher rate of return and potentially earn far more....

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