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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
FIRST POINT Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 20, 2026
FIRST POINT's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of FIRST POINT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.09%. Rates were last updated on 03/20/2026. FIRST POINT money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FIRST POINT? Share your experience about FIRST POINT by leaving a review below, or read customer reviews before you decide to use FIRST POINT. Citizens Savings Bank and Trust Company
MAIN 2430 HAMILTON AVE STE 2
http://firstpointfcu.com HAMILTON, NJ 08619 
FIRST POINT Home Equity & HELOC
FIRST POINT Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FIRST POINT is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather FIRST POINT rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with FIRST POINT's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FIRST POINT
Website
http://firstpointfcu.com
Address
2430 HAMILTON AVE STE 2,
HAMILTON, NJ 08619
Phone
609-838-2847
Fax
609-838-2850
President
ROBERT DELANEY
CEO
JUDY GERNHART
Full-Time Employees
3
Part-Time Employees
2
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.09%
Return on Assets (ROA)
0.0828%
Return on Equity (ROE)
1.1361%
Non-Performing Loans Ratio (NPL)
1.40%
Total Assets
25,915,931
Total Amount of Shares and Deposits
24,914,157
Total Shares and Deposits < 1 Year
22,369,135
Total Shares and Deposits 1 3 Years
2,487,300
Total Shares and Deposits > 3 Years
57,722
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,114,667
Total Uninsured Shares and Deposits > $250K (F+J)
1,114,667
Total Insured Shares and Deposits > $250K (item 17 less item K)
23,799,490
Total Interest Expense (Sum of items 6 8)
368,144
Share Certificates
452
Number of Accounts for Share Drafts
694
IRA KEOGH Accounts
68
Number of Accounts for Regular Shares
1,754
All other shares
157
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
401,114
Total Liabilities
24,954,547
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About FIRST POINTIs FIRST POINT a safe place to deposit money?Yes, FIRST POINT is considered a safe financial institution. With a Texas Ratio of 5.0851272155555%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does FIRST POINT operate?FIRST POINT currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join FIRST POINT?Yes, to access services at FIRST POINT, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, FIRST POINT does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, FIRST POINT provides members with tools to manage their accounts and build a solid financial history. Does FIRST POINT offer online and mobile banking?Most modern institutions like FIRST POINT provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://firstpointfcu.com. Compare to Other Credit Unions
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