Member Benefits

We appreciate the opportunity to serve our members. If you're not familiar with credit unions, you may not realize what you're missing by not being a member.

No Membership Fee

To become a member of Jersey Shore Federal Credit Union, you must open a regular share account. Deposit and maintain as little as $25 in this account and you will be eligible for the many benefits of credit union membership. If you keep your account open for at least three months, you will get this deposit back if you ever decide to close your account, although we think that's unlikely.

Free Personal Checking

Our checking accounts make it easy and convenient to manage your finances. Use your Mastercard Debit/ATM card at 85,000 Surcharge-Free ATMs nationwide to make withdrawals. There are no monthly service charges and you can write unlimited checks. Plus, overdraft protection is available.

Shared Branches & Surcharge-Free ATMs Nationwide

The Allpoint NetworkOpens in New Window has more than 55,000 ATMs across the nation that are fee-free for our members. Plus, there's nearly 30,000 Surcharge-Free CO-OP ATMsOpens in New Window across 50 states and Canada!

Visit any of more than 5,000 convenient branch locations and more than 2,000 self-service locations covering all 50 states to service your Jersey Shore accounts. Simply have your credit union name, account number, and a government ID and you’ll have access to your accounts.

Find a Surcharge-Free ATM or Shared Branch location near you.

Free e-Branch & Mobile App

Get free online access to your credit union account from your laptop or tablet. View account balances, transfer funds between your eligible accounts, request check withdrawals, review your account history, see if checks cleared, make loan or credit card payments, apply for a loan and much more. Plus, members using our e-Services can also use our free Mobile App & Deposit.

Free Branch by Phone

PATT (Personal Access Telephone Transaction) allows you to access your account by phone anytime, anywhere. Just call 609-646-3339 or 1-888-322-2848 toll-free and select option 1.

More Complimentary Services

Free e-Pay online bill payment when you have our checking account and Debit/ATM card

Free e-Statements



Free Notary service



Free 12 starter checks for new checking accounts



Free coin counting machine at our Northfield, Galloway, Rio Grande and Hamilton Mall Offices



Free Night Deposit service at our Northfield, Galloway, Rio Grande and Hamilton Mall Offices

Banks vs. Credit Unions Banks Credit Unions Decisions are made to earn a profit for the stockholders. Decisions are made to benefit the members. The board of directors is paid. The board of directors is made up of volunteers. Only stockholders can vote for the board of directors. Every member can vote for the board of directors. Profit earned is returned to the stockholders in the form of dividends. Profit earned is returned to members in the form of lower loan rates, better saving rates and low or no fee services. Banks are for profit. They pay taxes to the government. Credit unions are not-for-profit.

They are exempt from federal taxes. Deposits are federally insured by the FDIC up to $250,000. Deposits are federally insured by the NCUA up to $250,000.

Open an Account Today!

There are several convenient ways to join Jersey Shore Federal Credit Union:

Member Service Representatives are available to open your account by phone during business, evening and weekend hours. Check our Call Center Hours for availability.