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PHONE: 908.351.7770

ROUTING #: 221275481

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History & Mission


The Elizabeth, NJ Firemen’s Federal Credit Union was chartered in 1939 by firefighters for firefighters For many years we served only firefighters by providing low cost loans and competitive savings rates. In 2002 through a vote of our members, our charter was revised to include the Elizabeth PBA and in 2003 the employees of the City of Elizabeth, Housing Authority and Parking Authority. Through the years we have grown to include Summit Fire, Hillside Fire, Police, Hillside Municipal as well as Kenilworth Fire and EMS. This dramatically increased the number of members as well as our asset size. We have continued to add new products and services and we are now a full-service financial institution. Our goal is to be your members primary financial institution. We look forward to serving our members and their families for years to come.


Credit unions primarily engage in consumer loans. Credit union performance is at a historically high level. Currently, credit union capital nationwide is 10.28% and the equity ratio of the federal insurance fund, the National Credit Union Share Insurance Fund (NCUSIF), has continued to operate above 1.25%. for many years.   All member shares are insured by the NCUSIF up to $250.000.


The Elizabeth, NJ Firemen’s Federal Credit Union was chartered under federal law. Federally chartered credit unions are regulated by the National Credit Union Administration (NCUA), an independent agency of the U.S. Government. NCUA’s three board members are nominated by the President and confirmed by the Senate.

NCUA administers the federal insurance fund, NCUSIF, which covers all federal credit unions, and most state chartered credit unions. No taxpayer money is used for regulating and overseeing federal credit unions, as all activities of NCUA and the NCUSIF are funded by credit unions.


The ENJFFCU is a member owed financial institution that was established to promote savings and to provide fair and reasonable financial services offering assistance to members during difficulties and maintaining the theory of “NOT FOR PROFIT, NOT FOR CHARITY, BUT FOR SERVICE” while maintaining growth and the independence of the credit union.


When legislation or bankers’ lawsuits attack any credit union, it’s an attack on all credit unions. Your Credit Union proudly protects members’ right to join and participate in their not-for-profit financial cooperative.


Founded on the basic democratic premise of the cooperative movement, credit unions believe that access to low-cost financial services is critical to the health and stability of ordinary citizens