Featured Accounts

Aspire Federal Credit Union

Popular Accounts at this Credit Union

1.51%5-year CD60 Month Certificate
0.80%1-year CD12 Month Certificate
0.10%SavingsMember Savings

Overview / Commentary
67 Walnut Ave
Clark, NJ 07066

Aspire Federal Credit Union is headquartered in Clark and is the 18th largest credit union in the state of New Jersey. It is also the 1,152nd largest credit union in the nation. It was established in 1948 and as of June of 2017, it had grown to 44 employees and 29,993 members at 1 location. Aspire Federal Credit Union's money market rates are 36% higher than the national average, but it has a C health rating.

Field of Membership Restrictions

Membership is open to anyone through membership in the American Consumer Council. Membership is also open to employees of the New Jersey Transit Corporation, National Transportation Board, and other Select Employer Groups.
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Reviews (2)

Love The Customer Service

Posted by: Anonymous | Apr 30, 2012

I've been "banking" at Aspire for almost a couple of years now and have to say that it's one of the best CUs I've been a member of. I became a member because at the time they were offering a terrific rate for the Kasasa Cash rewards checking account. But, as we all know, that didn't last, although the rate did hold for a lot longer than I expected. As for the customer service, I simply cannot complain here; they've always been courteous and followed through with any of my requests and/or questions when those would pop up from time to time.

Even though the rates dropped on both Kasasa Savings and Checking, I stayed with Aspire because of the very nice representatives I talked to on occasion.

I LOVE their edeposit feature. I just fill in a couple of things and make sure to mail them the check within seven days. No need to print or fax the check to them, although I have to admit this is also a nice way to do an edeposit. I have this with USAA, the caveat being that I don't have a working printer at this time.

My only true gripe with Aspire is that I am not able to do transfers from them to my other accounts, although USAA does have a very nice transfer feature with no limit on how many accounts I can have. At least I do have my monthly direct deposit going to my Aspire account, so that's one less worry.

A credit union that's well worth joining IMO!

Aspire FCU--Great Rewards Checking Rate, BETTER Customer Service!

Posted by: jep1960 | Jun 24, 2011

I have been a member since last summer. Great CU! When I lost my wallet last year, they replaced my ATM/Debit card,(no fee!) AND waived the debit card requirement for that month because I was without the card. Shared Branching is GREAT! I go to my old CU, (DCU) and am treated like I was still their depositer! Deposits get credited quick,( I check online after leaving the DCU), at first I used the ATM fee refund, but now, I just use DCU's ATM, and that is free. ATM fee refunds are unlimited, if the fee is over $5, they want you to fax them a copy of the reciept, but other than that you get back the fees. The nearest branch to me is in New Hampshire, but I never use it. It's so quick and easy to use Shared Branching, and there are so MANY Shared Branches. Who needs BOA, or Chase!...LOL Whoever dreamed up Shared Branching is a GENIUS! Why would any CU NOT be a member? I pity the people who bank at the big TBTF banks, because they want alot of branches to go to. Get an RCA at a CU Service Center CU, get PAID to bank AND have alot of Branches to choose from!!

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Aspire Federal Credit Union has a negative return on assets.

Health Grade Components

NCUA #5800
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD-3.24%
Return on Equity - YTD-42.14%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$168.9MM$184.3MM
LoansQ2 2017vs Q2 2016$133.4MM$145.2MM
DepositsQ2 2017vs Q2 2016$154.3MM$166.4MM
Equity CapitalQ2 2017vs Q2 2016$13.2MM$16.7MM
Loan Loss AllowanceQ2 2017vs Q2 2016$6.1MM$3.5MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$8.2MM$5.5MM
Real Estate OwnedQ2 2017vs Q2 2016$464.00K$464.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Aspire Federal Credit Union Savings Account Rates

0.10%*$25k*-Member Savings
OTHER TIERS: 0.01% $500 - $5k | 0.05% $5k - $25k
0.10%*$25k*-Vacation Club
OTHER TIERS: 0.01% $500 - $5k | 0.05% $5k - $25k
0.05%--Holiday Club

Aspire Federal Credit Union Money Market Rates

0.60%$50k-Premier Advantage Money Market
0.25%*$20k*-Traditional Money Market Account
OTHER TIERS: 0.05% $2k - $20k

Aspire Federal Credit Union CD Rates

1.51%$500-60 Month Certificate
1.39%$500-36 Month Certificate
1.25%$500-48 Month Certificate
1.00%$500-24 Month Certificate
0.80%$500-12 Month Certificate
0.75%$500-18 Month Certificate
0.50%$500-6 Month Certificate
0.20%$500-3 Month Certificate

Aspire Federal Credit Union Locations
Branch Office67 Walnut Ave 1st FloorClark, NJ 07066